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INR 95,708.10
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Why Indian businesses look beyond Stripe and Revolut for B2B receivables ?
The wrong payment platform drains your margins on every invoice. Most users don't notice until you add up the hidden costs.
Cost stack on Stripe
Stripe India restricts which businesses can collect cross-border payments. And those that qualify still pay around 2% on FX conversion plus 4.3% on international card transactions. For Indian B2B exporters billing overseas clients on invoice, the effective cost frequently exceeds 6% per payment.
Cost stack on Revolut
Revolut applies a weekend FX markup of 1-2% and caps free-tier currency conversion monthly. For Indian businesses, B2B receiving via Revolut is restricted entirely. That means it cannot be used to settle cross-border invoices into an Indian bank account at all.
Slow settlement to Indian banks
Stripe settles international payments to INR in 2 to 7 business days. Revolut offers faster settlement in its supported markets, but those timelines do not apply to India-registered businesses. Working capital sits idle while you wait for funds to land.
FIRA and compliance friction
Stripe provides a payment advice document. But you still have to chase your bank manually for the actual FIRA. Revolut does not support FIRA for India B2B at all. Every missing or delayed FIRA creates friction for GST refund claims, EDPMS reconciliation, and ITR filings.
Invoice limits and business-type restrictions
Stripe operates on an invite-only basis in India, with onboarding skewed toward select business types. Revolut's India presence for B2B receiving is restricted regardless of entity type. Pvt Ltd, LLP, and OPC structures regularly run into eligibility blocks or tier-based invoice limits on both platforms.
Stripe vs Revolut vs Xflow: complete breakdown
Best for card checkout
Excellent for accepting card payments online and managing subscription billing. India presence is limited for cross-border B2B receiving, onboarding is invite-only, and there is no automatic eFIRA. Not built for invoice-based inflows from overseas clients.
India invite-only
Consumer banking, not India B2B
Excellent consumer product in the UK and EU with strong multi-currency features. India B2B receiving is restricted, weekend FX markups apply, and FIRA is not supported for Indian exporters. Useful only if you operate through a foreign entity.
India B2B not supported
Best for Indian exporters
Best for Indian businesses receiving international B2B payments. Lowest effective cost on invoices above $2,000. Free eFIRA per transaction, 1-day INR settlement, no invoice limits, and India-native compliance from day one.
Recommended for IT exporters
Feature | Stripe | Revolut | Xflow |
|---|---|---|---|
FX Markup | ~2% on cross-border | 0% within free tier monthly limit; ~1% after; weekend markup applies | 0% (mid-market) |
FIRA / eFIRC | Payment advice only; FIRA must be obtained from bank manually | Not supported for India B2B | Free, auto-issued within 24 hours |
Per-invoice limit | Depends on entity and India eligibility | Tier-dependent | No limit |
Settlement Speed | 2 to 7 business days | Same day to 2 business days (not applicable for India B2B) | 1 business day |
Guaranteed FX Rate | Not available | Not available | Yes, 3-hour lock |
Currencies Supported | 135+ for charging; receiving varies | 30+ currencies | 25+ incl. AED, SGD, HKD, CHF |
EEFC account support | Not available | Not available | Available |
Zoho Books Integration | Third party only | Third party only | Native |
FX AI Analyst | Not available | Not available | Available |
RBI / FEMA Compliance | Through authorized dealer bank | Through partner; limited India B2B support | RBI-authorised bank partner, auto eFIRA |
Transaction / Receiving fee | ~4.3% for international cards | Free tier with limits; paid plans from GBP 6.99/mo | 0.6% flat (min $12) |
India-Based Support | Global support only; not India-specific | Limited India presence | Dedicated India onboarding team |
Choose the plan that fits your business
Compare percentage-based pricing across invoice sizes and see how Xflow stacks up.
Card Processor First
Best for
Online checkout & subscriptions
Not designed for invoice-based B2B inflows from overseas clients. India-specific restrictions apply on business types and cross-border receiving.
| Charge type | Fees |
|---|---|
| Domestic card | 2.9% + 30c |
| International card | ~4.3% + ~2% FX markup |
| Effective cost | Frequently exceeds 6% per invoice |
Consumer-First Digital Bank
Best for
UK/EU treasury & cards
B2B cross-border receiving into Indian bank accounts is not supported. Not a viable option for India-registered B2B exporters - useful only via a foreign entity.
| Charge type | Fees |
|---|---|
| Plans | Free tier / from GBP 6.99/mo |
| FX markup | 0% in free tier / ~1% after |
| Weekend markup | 1-2% on all plans |
Flat-Tier + Percentage Model
Ideal for invoices from
$500 – $500,000+
Any invoice size, any Indian entity type — no caps, no restrictions
| Invoice value | Fees |
|---|---|
| Upto $2000 | $12 flat + Free eFIRA |
| Above $2,000 | 0.6% + Free eFIRA |
| Above $100,000 | Custom rate + Free eFIRA |
What our users say
Xflow’s product has added tremendous value to our customers by simplifying cross border payments and helping save costs. The integ
Tej Mulgaonkar
Director
Xflow helps me collect payments from customers across multiple countries. With Xflow, global payments are simplified and reconcile
Varun
Co-founder
Xflow has helped us improve collections by making it easy for my customers to pay using their local payment methods
Hemant Kumar
WeWork India
I manage my forex operations and hence it was important for me to find a payments partner who could settle into my EEFC account. X
Dhruv
Founder
Xflow has made it super simple for us to go live with Inkle’s specific cross-border payment use case (intercompany transfer pricin
Anand Krishna
CEO & Founder
Xflowpay has built very powerful, robust, and flexible APIs that any organisation can easily consume to launch cross border paymen
Pranav
Head of Forex
I am able to collect payments for invoices to overseas customers seamlessly using Xflow. My customers in US are also able to pay m
Binu
Founder
Xflow's cross-border payment solution complements our core neobank offering. We love the white-labelled nature of the product. We
Saurabh
Founder
Getting started on Xflow was easy - KYC was simple and I could start transacting in less than 24 hours. Now that we have used Xflo
Sandeep
Founder
We leverage Xflow to help our customers collect >$10,000 invoices. We draw a lot of comfort from the fact that Xflow has partnered
Saurabh
Founder
With Xflow, we found a convenient, compliant, cost-effective payment provider to bring funds into India under transfer pricing. Th
Sunil
Founder
Xflow’s product has added tremendous value to our customers by simplifying cross border payments and helping save costs. The integ
Tej Mulgaonkar
Director
Xflow helps me collect payments from customers across multiple countries. With Xflow, global payments are simplified and reconcile
Varun
Co-founder
Xflow has helped us improve collections by making it easy for my customers to pay using their local payment methods
Hemant Kumar
WeWork India
I manage my forex operations and hence it was important for me to find a payments partner who could settle into my EEFC account. X
Dhruv
Founder
Xflow has made it super simple for us to go live with Inkle’s specific cross-border payment use case (intercompany transfer pricin
Anand Krishna
CEO & Founder
Xflowpay has built very powerful, robust, and flexible APIs that any organisation can easily consume to launch cross border paymen
Pranav
Head of Forex
I am able to collect payments for invoices to overseas customers seamlessly using Xflow. My customers in US are also able to pay m
Binu
Founder
Xflow's cross-border payment solution complements our core neobank offering. We love the white-labelled nature of the product. We
Saurabh
Founder
Getting started on Xflow was easy - KYC was simple and I could start transacting in less than 24 hours. Now that we have used Xflo
Sandeep
Founder
We leverage Xflow to help our customers collect >$10,000 invoices. We draw a lot of comfort from the fact that Xflow has partnered
Saurabh
Founder
With Xflow, we found a convenient, compliant, cost-effective payment provider to bring funds into India under transfer pricing. Th
Sunil
Founder
Xflow is built for India and engineered for growth
Features other platforms don't offer - Xflow is built for Indian businesses from day one.
Guaranteed Live FX Rate
Unique to Xflow Your rate is locked for 3 hours after your client pays. You know the exact INR before you convert.
FX AI Analyst
Unique to Xflow, An AI-powered assistant that helps you decide when to convert based on market conditions.
EEFC account support
Hold foreign currency and convert on your terms. Stripe moves everything to INR immediately and Revolut's EEFC support is unavailable to India-registered businesses. Xflow gives you the choice.
Local payment rails
Your overseas clients pay like a local bank transfer, ACH in the US, SEPA in Europe, CHAPS/BACS in the UK. Faster, cheaper, without the SWIFT friction.
Fully compliant infrastructure
ISO 27001 + SOC 2 certified. Zero upper limit on transfer size. Enterprise-grade security without enterprise complexity.
Free FIRA
Auto-generated within 24 hours for every transaction. No follow-up calls, no extra charges, no delays before your audit.
- 01Exchange rate markups Banks add a 2-4% markup over the mid-market rate; fintech platforms typically charge 0.5-1%. On large or recurring transfers, this gap has a real impact on how much the recipient receives. Look beyond the advertised fee and compare the actual exchange rate on offer.
- 02Transfer fees Per-transfer fees vary widely across providers, from nothing to $30 or more. A zero-fee provider isn't always cheaper as the cost is often built into a less competitive exchange rate. Compare the full picture: fee and FX spread combined.
- 03Processing time Bank wires take 2-5 business days. Fintech platforms usually settle within 1-2 business days, and some offer same-day delivery for Canada to India transfers. Check the estimated delivery window before you send.
- 04Tax rules for senders and receivers Tax rules vary on both ends of a transfer. Canada does not tax outward transfers at source, but cross-border payments may have GST/HST implications depending on the nature of the transaction. On the receiving end, inward remittances into India are not taxable as income and recipients are not subject to TCS.
- 05Sending limits and KYC Canada has no hard cap on outward international transfers, but transactions above CAD 10,000 must be reported to FINTRAC under Canada's anti-money laundering rules. All regulated platforms require identity verification before processing. Have a government-issued ID and proof of address ready.
- 06Banks vs fintech platforms Canadian banks charge high FX markups on top of wire fees, and additional deductions from correspondent banks can further reduce what arrives in India. Fintech platforms offer tighter spreads and transparent fees, so more money reaches the recipient.
Who Is Xflow Built For?
Feature | Other Platforms | Xflow |
|---|---|---|
IT / IT Service Exporters | ||
Stripe's ~6% effective cost (card fee + FX markup) eats into project margins on monthly $5K-$20K invoices. | Transparent 0.6% pricing with no hidden FX markup eating into large invoices. | |
Revolut cannot be used to receive B2B export payments into an Indian bank account. | No invoice ceilings - collect $500 to $500,000 without platform restrictions. | |
Neither platform supports EEFC account settlement for strategic currency holding. | Keep foreign currency in your EEFC account and convert on your own timeline. | |
Multiple FIRAs per project require manual follow-up with the bank each time. | Free eFIRA auto-generated within 24 hours for every payment; built-in transfer pricing; ISO 27001 + SOC 2 + JP Morgan. | |
SaaS & Startups | ||
Stripe Billing is strong for subscription logic but adds 2.9% + cross-border markup on every collection. | A flat 0.6% fee regardless of how you bill - recurring, milestone-based, or one-time. | |
Stripe India is invite-only - not every SaaS entity qualifies for cross-border receiving. | Available without invite; developer-ready APIs and webhooks to integrate cross-border payments natively. | |
Revolut does not support recurring B2B invoice collections for India-registered companies. | Hold and manage USD, GBP, or EUR balances through full EEFC compatibility. | |
Funded startups face transfer pricing obligations neither platform addresses. | Transfer pricing compliance included for funded startups; FX AI Analyst + complimentary eFIRA on every remittance. | |
Freelancers & Agencies | ||
Stripe's minimum fees and cross-border card markup hit hardest on smaller invoice sizes. | $12 minimum - a $500 invoice costs $12 instead of losing $22+ to fees and FX markup. | |
Revolut cannot be used for B2B inward remittances to Indian freelancers or sole proprietors. | Available to freelancers, sole proprietors, Pvt Ltd, LLP, and OPC - no waitlists or invite-only access. | |
Manual FIRA follow-up creates compliance headaches every quarter for ITR filings. | Free eFIRA generated within 24 hours for streamlined GST and income tax documentation. | |
Card-based collection means clients must pay by card - many B2B clients prefer bank transfers. | Clients pay locally via ACH, SEPA, or CHAPS/BACS; INR settled within 1 business day. | |
Platforms & Marketplaces | ||
Stripe Connect has strong global payouts but India-side receiving for B2B is restricted. | White-label APIs, webhooks, and programmatic onboarding designed for seamless platform integration. | |
Revolut's API is not designed for programmatic onboarding of Indian vendor or payee entities. | Auto-generated eFIRAs for every transaction to simplify compliance workflows at scale. | |
Frequently asked questions
We're making the headlines
"Xflow, an Indian fintech startup, has secured backing from both Stripe and PayPal Ventures in a $16.6 million funding round. The investment comes as the company works to carve out a position in cross-border B2B payments, a market still dominated by banks and manual processes.
"Xflow, a leading cross-border payments fintech, today announced the launch of its new flexible, flat-fee pricing plans designed specifically for India's small and mid-sized exporters. "
"Indian exporters can now focus on growth while Xflow handles complex payment documentation Bengaluru, Karnataka, India (NewsVoir) Xflow today announced the launch of Compliance Desk, a managed service that allows Indian exporters to outsource the complex compliance requirements tied to cross-border payments.
“Xflow, a Bangalore-based fintech specialising in cross-border payments, has received in-principle approval from the Reserve Bank of India (RBI) to operate as an online Payment Aggregator for Cross-Border transactions. ”
"Xflow, a financial services and infrastructure company, simplifies the cross-border payments experience for businesses.
"Xflow has made it super simple for us, it handled our needs, volumes and edge cases quickly, seamlessly and compliantly," said Anand Krishna, CEO and Founder of Inkle
"Xflow is designed to help businesses send and receive cross-border payments in a compliant and regulatory manner - from freelancers to small and medium enterprises all the way