Convenient and affordable solutions for independent professionals

Spend less time and money on managing payments and more on things you love. We provide multiple products that simplify payments, improve your collection and lower costs.

How do I collect international payments on Xflow?

Sign-up for an Xflow account

Create your account in < 5 mins. We will activate your account within 24 hours!

Create or upload an invoice

Create an invoice on Xflow and add a Pay button. Alternatively, upload your own invoice.

Share invoice with customers

Send invoices to customers directly from Xflow Dashboard.

Get paid

Receive payment directly into your bank account or withdraw payment from Xflow Receiving Account.

Collect with Xflow Receiving Account

Xflow Receiving Account is like a foreign currency account, and it's free. Customers deposit funds into your Receiving Account via local bank transfer, which is reliable, affordable and fast.

Local bank transfers are fast, reliable and affordable

Local bank transfer like Fedwire settle in a few hours. There is no delay or surprise charge.

Works with Upwork, Deel, Toptal and other marketplaces

Just add your Xflow Receiving Account on your favorite work marketplace and save upto 50% in payment fees.

Support for major currencies

You can collect payment in USD ($), EUR (€) and GBP (£) from anywhere in the world. We are adding more currencies shortly.

Enable checkout experience for your invoices

Many independent professionals prefer using Xflow invoices with the Pay button to provide a checkout experience to their US customers. Customers get multiple convenient payment options, which improves collection. The most popular payment options are -

PayPal

Xflow allows you to collect via PayPal at no extra charge. Just connect your PayPal account to Xflow, and start accepting PayPal payments.

Buy Now Pay Later (BNPL)

Xflow provides BNPL options like AfterPay and Klarna. Your customers get to pay in instalments while you get full payment upfront.

Affordable and transparent pricing

With Xflow, you will not only improve your collection but also make significant savings on your payment cost.

Competitive and transparent FX rate

Get FX rates at par with larger businesses. Further, our competitive FX rates are linked to inter-bank rates to give you complete transparency on pricing.

Free Invoicing and FIRA

With Xflow, you get a feature-rich invoicing tool and a bank issued FIRA for every payout.

More ways to lower payment cost

We provide you with options to pass on or split payment processing fee with your customers which gives you more control over your cost.

Invoices that go beyond functionality

Invoice creation should not be tedious and boring.

Invoices that reflect your style

Choose from multiple elegant templates and customize the template with your brand color so that the invoices truly reflect your brand image.

Effortless invoice creation

With our modern invoicing interface, you can create stunning invoices in minutes.

Stay compliant always, effortlessly

International business payment is regulated by the RBI. It is vital that you use a payment provider that processes payments compliantly. We provide a document called FIRA (foreign inward remittance advice) for every payment. The FIRA is issued by our RBI-authorized banking partner which ensures complete compliance.