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Adyen vs PayGlocal: which is better for international payments in 2026?

  • Adyen is enterprise-grade omnichannel acquiring trusted by global brands, but it is sales-led, carries a minimum invoice, and cannot collect export payments into India
  • PayGlocal runs a tiered multi-currency account fee with no FX markup — flat $10-$18, then 0.25% above $7,500 — but onboarding is sales-assisted rather than instant self-serve
  • Which one is better comes down to your priorities - fees, FIRA handling, and how your clients prefer to pay
Accept payment from 150+ countries
USD
Client pays
USD 100USD 100,000
1 USD = 85.00 INR
Live fx rate
You'll receiveINR
₹4,22,091
Adyen
₹4,07,434
You lose:4.1%
PayGlocal
₹4,23,195
You lose:0.4%
100+ reviews
Trusted by 40,000+ businesses
Over $1B processed • Licensed by RBI
RBI PA-CB authorizedHDFC BankISO 27001 certifiedVisa

Adyen vs PayGlocal: understanding the key differences

Both Adyen and PayGlocal are well-known names for international payments, but they differ in who can use them from India, fees, export documentation like FIRA, GST compliance, settlement timelines, and support. Here is how they compare side by side.
FeaturesadyenPayGlocal
Transfer feesInterchange++ plus 0.60% + $0.13 per transaction (~3.5% est. on international cards)$10/$18 flat, then 0.25% by tier
Forex markupNot published, contract-specificZero, live interbank rate
FIRANot offered at allAutomated, free, instant
eBRCNo eBRC, and no inward flow to need it forNot stated as automated
GST-compliant invoiceNot available, no invoicing productInvoicing tool, GST format not stated
Settlement time2 to 3 business daysWithin 24 hours of conversion
Customer supportTicket-based, account managers for enterprisePhone, email, tickets, account manager
Best suited forEnterprise omnichannel acquiringCards plus multi-currency collections on one stack

Adyen vs PayGlocal: pricing and forex breakdown

Beyond the published fees, the real cost is what lands in your bank after fees, forex and GST. Move the slider to see what each one works out to, and how Skydo compares.
With Skydo, you receive₹8,47,091
Money transferUSD 10,000
$500$10K$100K$1M
adyenFX not published
₹8,14,882
Exchange rate85.00
Forex markup₹0
Card fee₹29,750
Fixed fee₹11
GST (18%)₹5,357
Total fees₹35,118
You receive₹8,14,882
PayGlocal0% markup
₹8,48,195
Exchange rate85.00
Forex markup₹0
Transfer fee₹1,530
Fixed fee₹0
GST (18%)₹275
Total fees₹1,805
You receive₹8,48,195

Adyen vs PayGlocal: compliance, payment rails, and platform comparison

adyen
  • No FIRA or e-FIRC — not offered at all
  • No eBRC support — and no inward flow to need it for
  • No GST-compliant invoicing; Adyen has no invoicing product
  • Purpose codes not handled — no export remittances move through Adyen
  • India licences: online PA (Jul 2024) plus import-side PA-CB only
PayGlocal
  • FIRA generated automatically on every settlement, not weekly or consolidated
  • No published claim of automated eBRC for DGFT filing
  • GST-compliant invoicing not specifically stated
  • Purpose code assignment not publicly disclosed
  • SOFTEX and EDPMS not stated as platform-automated

Adyen vs PayGlocal: which one is right for you

There is no single winner. The right pick depends on who pays you, how large your invoices are, and how much paperwork you can handle.
01adyen

Choose Adyen if:

You are an enterprise selling omnichannel at scale and can meet sales-led minimums.
  • Global brand with an Indian entity acquiring from Indian consumers
  • High-volume retailer unifying online and in-store payments on one stack
  • Marketplace or platform needing split payments and sub-merchant payouts
  • Enterprise with developer teams ready for API integration
02PayGlocal

Choose PayGlocal if:

You want a single RBI-authorised stack covering cards, multi-currency accounts and domestic UPI.
  • Business also processing significant card-payment volume
  • Exporter wanting a dedicated account manager over self-serve
  • Enterprise needing custom volume-based pricing
  • Business that can live without a published eBRC or purpose-code claim

Skydo: a better alternative to Adyen and PayGlocal

FeaturesadyenPayGlocal
Settlement time2 to 3 business daysWithin 24 hours24 hours
Forex markupNot publishedZero, interbankZero, live rate
Transaction fee~3.5% est. on intl cards$10/$18 flat, 0.25% above$19 up to $2k, $29 up to $10k, 0.3% aboveBest
FIRANot offeredAutomated, free, instantFree, instant, per payment
eBRC and EDPMSNot supportedNot statedOne-click eBRC, EDPMS closure assistance
GST invoicingNot availableTool, GST not statedBuilt in, GST compliant
Customer supportTickets, enterprise account managersPhone, email, account managerIndia-based, on WhatsApp, call and email
Payment trackingReal-time dashboardReal-time notificationsAuto tracked, remittance to bank deposit
RBI authorisationPA + import-side PA-CB onlyFull PA-CB-I&O (Nov 2025)Full PA-CB authorized
Losing money on each transfer but not sure how much?

See what our clients say about us

100+ reviews
Trusted by 40,000+ businesses
Shashank
“I'm looking for straightforward, transparent pricing. With most payment providers, it's hard to understand the actual fees and exchange rates, making it difficult to know what I'm really paying.”ShashankCEO, HCODE

Frequently asked questions

Which is better, Adyen or PayGlocal, for international payments in 2026?+
It comes down to how your clients pay you and how much compliance you want handled. Adyen is enterprise-grade omnichannel acquiring trusted by global brands, but onboarding is sales-led with a minimum invoice, and its India cross-border licence covers import flows only. PayGlocal runs a tiered multi-currency account with no FX markup and full RBI authorisation, though onboarding is sales-assisted rather than instant. Adyen suits enterprise omnichannel acquiring, while PayGlocal suits card payments plus collections on one stack.
Is Adyen cheaper than PayGlocal?+
Usually not. Adyen prices at Interchange++ plus 0.60% + $0.13, working out to roughly 3.5% on international cards — and its India licence covers import-side flows only, so Indian exporters cannot collect through it. PayGlocal runs tiered pricing — flat $10 to $2,000, $18 to $7,500, then 0.25% — with zero FX markup, roughly 0.25 to 1% all in. PayGlocal is generally cheaper, though what actually lands in your bank depends on invoice size.
Which provides better exchange rates, Adyen or PayGlocal?+
PayGlocal, on published information. PayGlocal converts at the live interbank rate with zero markup, while Adyen does not publish FX pricing — it is contract-specific, and Indian merchants settle in INR only.
Do Adyen and PayGlocal provide FIRA for Indian exporters?+
Adyen provides no FIRA or e-FIRC at all. PayGlocal generates FIRA automatically and free on every settlement. For GST refunds and export compliance an instant per-payment FIRA matters — Skydo issues one free with every payment.
Are Adyen and PayGlocal RBI-approved for receiving payments in India?+
Adyen is an RBI-authorised online payment aggregator (July 2024) with PA-CB for outward, import-side flows only. PayGlocal holds full PA-CB-I&O and PA-O authorisation (Nov 2025).
Is Adyen or PayGlocal better for freelancers or businesses?+
Enterprises with an Indian entity acquiring omnichannel at scale lean towards Adyen — it is not an option for exporters collecting from abroad. Businesses that also process card payments and want one RBI-authorised stack lean towards PayGlocal.
Is there a better alternative to Adyen and PayGlocal for receiving money in India?+
Skydo is built for Indian exporters and freelancers. It charges a flat fee ($19 up to $2k, $29 up to $10k, 0.3% above) that works out cheaper than a percentage fee as invoices grow, with zero forex markup, instant FIRA on every payment, one-click eBRC and EDPMS closure assistance, built-in GST-compliant invoicing, full RBI PA-CB authorisation, and India-based support.

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