Landing freelance gigs on Upwork requires more than just a stellar profile. While your skills and experience take centre stage, a well-crafted cover letter can be the secret weapon that sets you apart from the competition.&nbsp;

This guide equips you with expert tips and winning templates for cover letters for Upwork to craft proposals that grab clients' attention and secure those dream projects.

Understanding the Importance of a Cover Letter on Upwork

Defining a Cover Letter in the Freelance Landscape

Cover letters on Upwork serve as introductions, expand your profile, and showcase your suitability for the job, much like in the traditional job market. It's your chance to personalise your proposal, demonstrate your understanding of the project, and showcase what makes you the ideal freelancer for the job.

Why Your Upwork Cover Letter Makes a Difference

Crafting a Winning Cover Letter: Essential Tips

Now that you understand the importance of a cover letter let's delve into the key elements that make it effective:

Add Your Personality (While Remaining Professional)

While professionalism is key, there's no need to be boring. Write in a conversational tone that's respectful but engaging. Avoid starting with dull phrases like "My name is Job Applicant Jean" and instead, let your personality shine through with phrases like “Having helped clients achieve [Specific results] in the past, I believe my skills can be a valuable asset to your [Project Name] project.”&nbsp;

Pay attention to the keywords used in the project description. Subtly integrate these keywords throughout your cover letter for Upwork to improve your proposal's searchability within Upwork's search engine.

Example: Look for keywords in the project description (e.g., "social media marketing"). Subtly weave them into your cover letter to improve searchability within Upwork's search engine. Instead of generic statements like "I have experience in marketing,” go for keyword integration: "I noticed you mentioned a focus on social media marketing and audience engagement. In my previous role, I managed social media campaigns that grew follower bases by 30% through targeted content strategies."

Anticipate potential concerns clients might have and address them directly in your cover letter. This demonstrates your attentiveness and ability to think ahead.

For example, instead of leaving clients wondering with generic statements like "I'm a great writer, trust me,” try addressing concerns like"I understand clear communication is crucial. I provide regular progress updates and keep you informed throughout the project. Feel free to reach out with any questions or concerns."

Instead of a standard sign-off, conclude with a call to action that reinforces your value proposition.

Example: "I'm confident my skills can significantly benefit your project. Let's discuss how I can help you achieve your goals. I'm available for a call at your earliest convenience."

Refine Your Approach: As you gain experience, track what resonates with clients and adapt your cover letters for continued success.

Showcase Your Passion and Understanding of the Client's Industry

Go beyond just listing your skills. Briefly mention what excites you about the client's industry or project type. This demonstrates genuine interest and sets you apart from freelancers focused solely on the job itself.

Example: "I've been following the impressive work your company has done in the sustainability sector, and I'm particularly passionate about [specific aspect of the industry]. My experience in [relevant skill] combined with my enthusiasm for this field allows me to bring a unique perspective to your project."

Highlight Your Skills and Quantify Your Achievements (When Possible)

Don't simply repeat your resume. Briefly showcase your most relevant skills and experiences that directly address the project's requirements. Back up your claims with data. Numbers add credibility and give clients a clearer picture of your impact.

Example: Instead of saying "increased website traffic," quantify it. "I crafted SEO-optimised blog posts that resulted in a 25% increase in organic website traffic for my previous client."

By incorporating these essential tips, you'll craft compelling cover letters that land you the freelance projects you deserve. Remember, a cover letter is an ongoing conversation. Keep personalising and refining your approach to stand out on Upwork!

Sample Cover Letter Templates for Success

These Upwork cover letter samples provide a foundation to build upon, tailored to different freelance specialities.

I am writing to express my interest in your project for [Project Title]. Having reviewed the details, I am confident that my skills and experience in [Your Skills] make me a strong fit for this role.

In my previous work with [Previous Client/Company], | successfully [Describe a Relevant Achievement]. My portfolio showcases a range of projects that demonstrate my ability to [Highlight Relevant Skills]

I am eager to learn more about your vision for this project and discuss how | can contribute to its success. Please find my portfolio attached for your review.

Thank you for your time and consideration.

I came across your project for [Project Title] and was immediately drawn to the opportunity to leverage my expertise in web design. With [Number] years of experience crafting user-friendly and visually appealing websites, I am confident I can deliver exceptional results.

In my previous project for [Previous Client], I designed a website that resulted in a [Quantifiable Achievement] increase in [Metric, e.g., traffic, conversions]. My portfolio showcases my ability to design websites that are not only aesthetically pleasing but also optimised for [Areas of Expertise, e.g. SEO, mobile responsiveness].

I'm eager to discuss your vision for the website and collaborate on a design that exceeds your expectations. Please find my portfolio linked below for your reference: [Portfolio Link]

I came across your project for [Project Title] and was immediately drawn to the opportunity to leverage my content writing skills. With [Number] years of experience crafting engaging and informative content, I am confident I can create pieces that resonate with your target audience and achieve your desired goals.

In my previous role at [Previous Client/Company], I successfully increased website traffic by [Quantifiable Achievement] through the creation of [Type of Content, e.g., blog posts, SEO-optimised articles]. My portfolio showcases my ability to write in various styles and tones, ensuring your content aligns perfectly with your brand voice.

I'm eager to discuss your content strategy and brainstorm ideas that will captivate your audience and drive results. Please find writing samples relevant to your project in my portfolio linked below: [Portfolio Link]

I'm excited to submit my proposal for your [Project Title] project. Having reviewed the details, I am confident my expertise in graphic design can deliver visually stunning and impactful creative assets that align with your vision.

For [Number] years, I've been helping businesses like yours create captivating visuals that elevate their brand identity. In my previous project for [Previous Client], | designed [Type of Design, e.g. logos, social media graphics, website banners] that resulted in a [Quantifiable Achievement] increase in [Metric, e.g. brand awareness, engagement].

My portfolio showcases my design versatility and ability to translate your ideas into effective visuals. I'm particularly skilled in [Areas of Expertise, e.g., brand identity design, illustration, UI/UX design. I'm eager to collaborate with you and bring your design vision to life. Please find a link to my portfolio showcasing relevant design work: [Portfolio Link].

Having reviewed your project for [Project Title], I'm confident my video editing skills and creative vision can transform your raw footage into a compelling and engaging video.

With a passion for storytelling and [Number] years of experience editing videos for [Previous Clients/Companies/Industries], | possess a strong understanding of pacing, transitions, and the power of visuals to capture and hold the audience attention.

In my previous project for [Previous Client], I edited a video that achieved [Quantifiable Achievement] by utilising [Specific Editing Techniques]. My portfolio showcases my ability to edit videos across various styles, from promotional content to explainer videos.

I'm eager to discuss your vision for this project and collaborate on crafting a video that exceeds your expectations. Please find a link to my portfolio showcasing my editing skills: [Portfolio Link].

Note: Adapt the bracketed sections to your specific skill set. Also, while you can use these templates for reference, it's important to make your cover letter very personalised.

By incorporating these tips and templates, you'll be well on your way to crafting compelling cover letters for upwork proposals that land you the freelance projects you deserve. Remember, a cover letter is an ongoing conversation. As you gain experience on Upwork, track what resonates with clients and refine your approach for continued success.

Check out this blog for expert tips and tricks on cover letter templates that will help you craft standout proposals and land freelance gigs on Upwork.

Land Your Dream Freelance Gig: Upwork Cover Letter Guide

Land Your Dream Freelance Gig: Upwork Cover Letter Guide th

Anoosh Kotak

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India’s cross-border payments market is booming. Recent government data show that exports hit USD 602.64 billion during Apr–Dec 2024 (up 6% year-on-year)as per <a href="https://www.pib.gov.in/PressReleasePage.aspx?PRID=2098447#:~:text=The%20momentum%20has%20continued%20into,integrated%20into%20the%20global%20economy">pib.gov.in</a>, reflecting growing international trade and freelance work.

As more Indian SMBs and freelancers serve global clients, the challenge is receiving those payments quickly, compliantly, and affordably. Hidden fees, delayed processing, and complex paperwork are common complaints.

 In this guide, we compare the leading platforms used by Indian businesses to receive international payments smoothly, so you can choose the best one for your needs. We include both homegrown fintechs and widely used global services for context.

Apart from global platforms like PayPal and Wise, several India-specific players are also building solutions tailored for exporters and freelancers. Here's a quick look:

Receive affordable and compliant cross-border payments with Skydo&nbsp;

If you're an Indian freelancer or SMB receiving international payments, your choice of platform directly impacts your profits and compliance. While players like Razorpay, EximPe, and Karbon offer solid features with varying fees, Skydo stands out for one reason: unmatched cost transparency. With zero forex markup, instant FIRC, and an RBI-approved infrastructure, Skydo is built specifically for Indian exporters.

For large-value payments in USD, Skydo consistently delivers higher take-home payouts without the complexity, delays, or hidden charges. If saving money and staying compliant matter, Skydo is the smarter, simpler choice.

<a href="https://www.skydo.com/">Explore Skydo</a>

Top 5 Cross-Border Payment Companies in India

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Payoneer is a widely used global payment platform that helps freelancers and businesses manage cross-border payments with ease. It provides virtual accounts in multiple currencies and integrates with major marketplaces like Amazon, Fiverr, and Upwork. However, for many users – especially in India – Payoneer’s fee structure and policies can be a drawback. Key examples include:

These costs add up and eat into your earnings. As a result, many Indian freelancers, SaaS founders, exporters, and other businesses are exploring alternative platforms that offer lower fees, faster settlements, and better local support. In the sections below, we’ll highlight some of the leading Payoneer alternatives – Skydo, Wise, PayPal, PingPong, Stripe, Tipalti, and others – and how they compare in terms of features, costs, and compliance support.

Skydo is an India-focused international payments platform designed for exporters and freelancers. It provides local virtual bank accounts in multiple countries (including the US, UK, Canada, and Australia), so your overseas clients can pay into a “local” account without using SWIFT. Skydo’s offerings are tailored to Indian users seeking cost efficiency and compliance ease:

Bottom line: Skydo’s India-centric approach – zero forex markup, flat, affordable fees, instant FIRA, and fast local settlements – often makes it a better alternative to Payoneer for Indian freelancers and businesses. If you receive international payments and want to maximise what lands in your bank account, Skydo is built for that. (With Skydo, you save about 50% on fees for a typical transaction, and your money arrives faster with compliance taken care of.)

Wise Business: Global Alternative with Mid-Market Rates

Wise (formerly TransferWise) is another popular alternative known for low-cost international transfers. Wise Business accounts offer:

Wise’s clarity on fees and mid-market rates has made it one of the top Payoneer alternatives globally. It’s especially suitable if you prioritise transparent pricing and hold multiple currencies. However, if you need India-specific features (like instant INR compliance docs or local support) or if your single invoices often exceed $10k, you may need to consider other options like Skydo.

PayPal: Globally Accepted but Costly Alternative

PayPal is a household name for international payments and might be considered an alternative to Payoneer, especially given its wide acceptance. Many overseas clients are comfortable with PayPal. Key points for Indian users:

In summary, PayPal’s ease of use and global ubiquity are its strong suits – if a client insists on paying via PayPal, it’s an option. However, for most freelancers and small businesses in India, PayPal turns out to be a pricier alternative to Payoneer. Many prefer specialised services like Skydo or Wise that charge less, except in cases where PayPal’s buyer protection or familiarity is a must-have.

PingPong: E-Commerce Friendly Payoneer Alternative&nbsp;

PingPong is a fintech platform popular with Indian e-commerce sellers (especially those selling on global marketplaces like Amazon or eBay). It positions itself as a direct competitor to Payoneer for marketplace payouts. Notable features include:

Overall, for merchants selling products abroad, PingPong simplifies getting paid from marketplaces and provides a viable alternative to Payoneer. However, to know whether it is the best Payoneer alternative, it is important to know how much you are paying, including forex markups, if any. 

Stripe: Developer-Friendly Alternative (Invite-Only in India)

Stripe is a global payments powerhouse known for its flexible APIs and tools for online businesses. While primarily a payment processor for merchants (to accept customer payments), Stripe also offers capabilities for sending payouts and holding balances, which can make it an alternative to Payoneer in some scenarios. Key things to note:

In short, Stripe can be a powerful alternative if your use-case involves running an online business or platform with global customers – it’s more a competitor to payment gateways than a direct Payoneer replacement for freelancers. Given that it’s currently restricted in India and has higher costs, most users would find more India-friendly options like Skydo, Infinity, or Karbon to be better for simply receiving international payments.

Stripe is a good Payoneer alternative if you need deep customisation and can get access in India. Otherwise, more India-friendly options (Skydo, Infinity, etc.) are likely better.

Tipalti: Enterprise Payoneer Alternative for Mass Payouts

For larger organisations that need to pay out hundreds or thousands of recipients globally (such as marketplaces, affiliate networks, or SaaS platforms), Tipalti is a comprehensive solution often mentioned alongside Payoneer. Tipalti isn’t just a payment receiver – it’s a mass payments and accounts payable automation platform. Here’s what it offers:

In essence, Tipalti is a top choice for companies that need a scalable, automated payout system and are perhaps outgrowing the simplicity of Payoneer. It’s frequently used by companies in the gig economy, affiliate networks, or global marketplaces to pay contributors around the world. If you’re a solo freelancer or small business, you generally wouldn’t use Tipalti yourself – instead, you’d pick one of the other alternatives on this list that cater to receiving client payments.

In recent years, several Indian fintech platforms have emerged to help local businesses receive international payments faster and cheaper. These are built with Indian regulations, banking systems, and user needs in mind. Two notable ones are Karbon and Infinity:

Karbon is a fintech platform designed for Indian exporters and service providers who want a fast, seamless way to collect payments from abroad. It’s often pitched as a Payoneer alternative with an emphasis on eliminating bank hassles. Key features:

Why consider it: Karbon’s simple, streamlined interface and hands-on compliance support make it a strong Payoneer alternative for Indian agencies, SaaS companies, and exporters. It’s particularly appealing if you have faced delays or complex paperwork with banks.

 In terms of cost, Karbon advertises 0% FX markup and up to ~1% in fees (depending on volume) – which is competitive, though higher than Skydo’s flat 0.3% on large transfers. Essentially, Karbon focuses on speed and simplicity, catering to businesses that want a plug-and-play solution for cross-border collections.

Infinity positions itself as a lightweight, cost-effective alternative to Payoneer aimed at Indian freelancers and small businesses. It focuses on maximising what you receive by cutting fees to the bone. Notable points:

Why consider it: If minimising fees is your #1 priority and you’re dealing with moderate transaction sizes, Infinity is very attractive. For example, on a $1,000 payment, Infinity would take $5 (0.5%), whereas Payoneer might take around $30+ in various fees.

The no-frills approach (no debit cards, no multi-currency holding – just receiving and converting to INR) keeps it simple and low-cost. It’s a great option for freelancers or small export businesses who want to avoid high forex fees and don’t need the broader marketplace integrations that Payoneer offers.

(Note: Other regional fintech alternatives include the likes of Xoom (by PayPal) for remittances, or Statrys (a Hong Kong-based FX platform), which targets Asian SMEs. However, for India-specific use, platforms like Skydo, Karbon, and Infinity currently lead the pack in balancing cost and convenience.)

To put things in perspective, let’s compare receiving a $10,000 payment through Payoneer vs. Skydo:

That’s a huge difference in net amount received – and illustrates why many users are switching. If you’re collecting multiple payments every month, saving 3-5% on each transfer means a lot more money in your pocket over the year.

While Payoneer remains a reliable, well-established platform with global reach, newer services like Skydo are offering India-focused improvements: more savings, faster INR payouts, and built-in compliance. 

The bottom line: if receiving international payments is a big part of your business and you want to retain more of your earnings, it’s worth considering a Payoneer alternative that aligns with your needs.

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Infinity Payment is a platform for receiving cross-border payments in India. Based in Bangalore, it allows Indian businesses, like exporters and freelancers, to create multi-currency accounts to manage international payments.

If you are in the market evaluating tools like Infinity Payment, this blog post is for you.&nbsp; In this comprehensive analysis, we explain the core features of Infinity and its fee structure to help you decide if it's the right fit for your business. We also cover a more seamless and affordable alternative, so we suggest reading this blog till the end.

Here are the four most essential points you must know about Infinity Payment before you decide to sign up for a demo:

Global Account: When you create an account with Infinity Payment, this single account allows you to receive payments in different currencies.&nbsp; Your clients can pay you in <a href="https://www.infinityapp.in/reach-out-to-us">30+ currencies</a>, and you don’t have to worry about currency conversion

Free Digital FIRA: With every withdrawal, you get a <a href="https://www.skydo.com/blog/automated-firc-simplifying-international-payments-compliance">FIRA</a>. This helps you stay compliant and reduce administrative workload

Live Forex Rate, No Markup: An international payment is converted to domestic currency based on the prevailing exchange rate. Moreover, there is no markup or hidden fees, which ensures you get the best value for the payment

Personalized Treasury Management: Infinity Payment offers curated portfolios of government securities, mutual funds, and fixed deposits to help you earn from the idle cash in your account. This is an interesting offer if you have been exploring investment opportunities to grow interest income from international payments

Infinity Payment Fees: How Much Do You Pay?

Let’s understand the most important section of the blog: How much do you pay as fees for receiving international payments? To make the calculations easier, we assumed that you have received a payment of USD 10,000 from a foreign client.

Transaction fee: Infinity Payment charges a transaction fee of 0.5% of the amount. For receiving a payment of $10,000, the fee will be $50 (0.5% X $10,000). They also offer custom pricing for payments above&nbsp;USD 50,000.

Live forex rate: The amount you receive is converted to domestic currency based on the current exchange rate. Let’s assume the current rate is 85 INR to 1 USD for the next step.

In summary, you pay $50 (INR 4,350)&nbsp; as fees for receiving $10,000 (INR 850,000) via Infinity payments

Skdyo: A Seamless Infinity Payment Alternative For Receiving International Payments

If you’re open to exploring options for international payment solutions beyond Infinity Payment, then Skydo is worth considering.&nbsp;

Skydo is affordable and offers transparent pricing, especially on significant transactions, catering to different client needs. In contrast to Infinity Payment’s percentage-based fees, Skydo follows a flat fee model as follows:

For example,&nbsp;a $10,000 payment would incur a flat fee of $29 with Skydo.

This structure can make Skydo more cost-effective for mid to high-value transactions. However, for smaller amounts, particularly under $1,000, percentage-based platforms may sometimes offer lower fees depending on their pricing model.

In addition to providing global accounts in countries like UK, USA, Australia, and Canada, the following features make Skydo a great choice for Indian businesses:

Skydo also integrates with Amazon Global Selling and major freelance marketplaces that further help you streamline international payments in a single platform.

Does Skydo sound like the ideal international payment solution for your business?&nbsp;

<a href="https://www.skydo.com/">Get started with a demo now</a>.

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Revolut India is a global financial technology company that offers a range of digital banking services to over 65 million personal users and 500,000 business users worldwide. Through its mobile app, Revolut provides multi-currency accounts, debit cards, foreign exchange, and other financial services.&nbsp;

The company prioritizes security, utilizing end-to-end encryption and partnering with regulated banks to store user funds. 

Revolut in India: what’s confirmed—and what to realistically expect

Revolut has opened a waitlist for interested users, but the initial rollout is expected to be limited to a select group, with mass availability pending further developments.&nbsp;

Limitations &amp; watch-outs for Indian users

When considering Revolut's upcoming launch in India, there are several limitations and watch-outs that users should be aware of:

If you receive business payments from abroad

If you are an Indian business, freelancer, agency, or SaaS company receiving payments from international clients, it's important to note that Revolut's services are not yet widely available in India.&nbsp;

Moreover, the company's current communication primarily focuses on a consumer-oriented payments launch, which includes UPI integration and card services.

As an exporter, you have specific requirements to ensure compliance and smooth operations. These include purpose-code mapping, Foreign Inward Remittance Advice (FIRA), <a href="https://www.skydo.com/blog/what-is-e-brc">Electronic Bank Realisation Certificate (eBRC),</a> predictable settlement, and transparent foreign exchange rates. At present, there is no clear indication that Revolut's Indian offering will cater to these business-specific needs at launch.

This is where Skydo emerges as a compelling alternative, tailored specifically for Indian exporters.&nbsp;

A business-grade alternative for exporters &amp; freelancers: Skydo

Skydo is a purpose-built platform designed specifically for Indian freelancers, agencies, SaaS providers, and SMBs receiving international client payments.&nbsp;

Skydo prioritizes compliance, efficiency, and transparency, enabling your business to streamline international payment workflows and focus on growth.&nbsp;

If you're an Indian exporter seeking a comprehensive solution for managing client payments, Skydo offers the tools and features you need to succeed.

Quick comparison: Skydo vs. Revolut India&nbsp;

Here's a quick comparison table between Skydo and Revolut India at launch:

As the rollout begins, waitlisted users will be invited to access the app in phases, with priority given to early registrants

Getting started with Skydo takes just a few minutes:

That’s it — your international payment setup is ready.
Join thousands of Indian businesses using Skydo to get paid globally, faster, and without hidden fees.

👉 <a href="https://www.skydo.com/">Create your account today</a>

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Revolut India

Cashfree makes it easy to manage both domestic and international flows in one place. As export volumes grow, some teams explore adjacent options, not because Cashfree “doesn’t work,” but to see which platform best matches their ticket sizes, settlement needs, <a href="https://www.skydo.com/blog/forex-markup-fee-explained">FX preferences</a>, and compliance workflow.

Think of Cashfree as a generalist payments stack that also supports export collections.

When teams look for Cashfree alternatives

With that lens, here are the leading alternatives to Cashfree and where each one fits.

Skydo: Export-first collections (freelancers, agencies, SaaS, exporters)

If your revenue is primarily from overseas clients, Skydo is purpose-built for that motion. 

Three things stand out for export teams:

Why pick Skydo over other Cashfree competitors? Because it removes guesswork where exporters feel it the most: FX clarity, compliance artefacts, and payout speed.

Payoneer: Marketplace-native (Amazon Global, Upwork, Fiverr)

If most of your receivables come from marketplaces, <a href="https://www.skydo.com/blog/payoneer-payment-gateway-features-fees">Payoneer</a> is familiar—and for good reason. You can receive in multiple currencies, withdraw to your Indian account, and keep your accounting straightforward. Payoneer also offer free FIRA for every payment.&nbsp;

<a href="https://www.skydo.com/blog/payoneer-fees-india-guide">Fees vary by route and volume.</a> For virtual account transfers, fees can be up to 1%, while credit card payments carry a 3.2% fee+ a small fixed fee. There's also a 3% conversion fee while converting the amount to INR.&nbsp;

Pick Payoneer if your primary motivation is “get paid from marketplaces reliably” and you value minimal setup over granular control of each corridor.

Wise&nbsp; Business:&nbsp; Transparent FX for lighter volumes

<a href="https://www.skydo.com/blog/transferwise-india-features-benefits-pros-cons">Wise</a> is known for its mid-market FX and its super intuitive UI. If your cross-border volume is under USD 10k, Wise’s multi-currency accounts and predictable conversion method feel refreshingly simple.

Wise supports up to USD 10k/invoice and also offers FIRA for every payment, albeit at an additional cost of USD 2.50&nbsp;

As mentioned, it offers a midmarket rate without any markup and<a href="https://www.skydo.com/blog/wise-transfer-charges-in-india"> its fee</a> ranges mostly between 1.6-1.8%.&nbsp;

Choose Wise if you prize transparency and ease, and your current scale doesn’t demand advanced export workflows.

Stripe: Global SaaS billing (India availability varies)

For teams with a strong subscription or recurring billing motion, <a href="https://www.skydo.com/blog/stripe-india-charges-review-alternatives">Stripe</a> is a developer’s favourite: flexible pricing models, solid APIs, and battle-tested tooling across many currencies. However, here are the things you need to know

Choose Stripe when your product is subscription-led and engineering flexibility matters more than out-of-the-box export ops.

PayPal: Familiarity that can lift conversion

Sometimes the fastest way to get paid is to meet the buyer where they already are.<a href="https://www.skydo.com/blog/paypal-in-india-charges-review-alternatives"> PayPal </a>is globally recognised, often improving first-time conversion.

 On the flip side, total cost (cross-border + conversion) can be up 8% higher than bank-rail options. It offers a monthly digital FIRA that is available by the 15th of the next month

Choose PayPal when buyer preference is the deciding factor and you want instant recognizability.

Cashfree vs competitors: how to actually choose

If you’re happy with a single, generalist stack, Cashfree does the job, especially when you need domestic + international + gateway in one place. I

If you’re running an export-led operation and want mid-market FX, flat fees, faster INR, and per-payment FIRA by default, shortlisting Skydo is a smart next step.