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Adyen vs Remitly: 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
  • Remitly is a top-rated consumer remittance app — transfers land in minutes and pricing beats the banks, but it is built for personal payments, not invoices
  • 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%
Remitly
₹4,21,175
You lose:0.9%
100+ reviews
Trusted by 40,000+ businesses
Over $1B processed • Licensed by RBI
RBI PA-CB authorizedHDFC BankISO 27001 certifiedVisa

Adyen vs Remitly: understanding the key differences

Both Adyen and Remitly 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.
FeaturesadyenRemitly
Transfer feesInterchange++ plus 0.60% + $0.13 per transaction (~3.5% est. on international cards)$3.99 under $1,000, free above (paid by the sender)
Forex markupNot published, contract-specific~0.3-1.5% inside the exchange rate
FIRANot offered at allNot issued at any price
eBRCNo eBRC, and no inward flow to need it forNot supported, payments never enter the export system
GST-compliant invoiceNot available, no invoicing productNot available
Settlement time2 to 3 business daysMinutes (Express) to 3-5 days (Economy)
Customer supportTicket-based, account managers for enterprise24/7 chat and phone, for the sender
Best suited forEnterprise omnichannel acquiringPersonal remittances from family abroad

Adyen vs Remitly: 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
Remitly~0.3-1.5% markup
₹8,42,350
Exchange rate84.23
Forex markup₹7,650
Transfer fee₹0
Fixed fee₹0
GST (18%)₹0
Total fees₹7,650
You receive₹8,42,350

Adyen vs Remitly: 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
Remitly
  • No FIRA or FIRC issued, at any price
  • Payments arrive under personal purpose codes (P1301/P1302), not export codes
  • No GST-compliant invoicing — no invoicing at all
  • No eBRC support; EDPMS entries are never created
  • Consumer terms prohibit business use outright — it's a breach of the user agreement

Adyen vs Remitly: 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
02Remitly

Choose Remitly if:

You want Remitly's consumer speed and polish, and the payment is genuinely personal.
  • Client is an individual who already uses the app
  • Small, occasional transfers with no paperwork needs
  • Speed to UPI or a bank account is the top priority
  • You accept personal-remittance classification and no FIRA

Skydo: a better alternative to Adyen and Remitly

FeaturesadyenRemitly
Settlement time2 to 3 business daysMinutes to 3-5 days24 hours
Forex markupNot published~0.3-1.5% in the rateZero, live rate
Transaction fee~3.5% est. on intl cards$3.99 under $1K, else free (sender pays)$19 up to $2k, $29 up to $10k, 0.3% aboveBest
FIRANot offeredNot issuedFree, instant, per payment
eBRC and EDPMSNot supportedNot supportedOne-click eBRC, EDPMS closure assistance
GST invoicingNot availableNot availableBuilt in, GST compliant
Customer supportTickets, enterprise account managersSender-side onlyIndia-based, on WhatsApp, call and email
Payment trackingReal-time dashboardSender app trackingAuto tracked, remittance to bank deposit
RBI authorisationPA + import-side PA-CB onlyNot on PA-CB register (RDA rail)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 Remitly, 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. Remitly is a top-rated consumer remittance app whose transfers land in minutes, but it moves personal remittances — business income arrives misclassified with no FIRA. Adyen suits enterprise omnichannel acquiring, while Remitly suits genuinely personal transfers, not invoices.
Is Adyen cheaper than Remitly?+
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. Remitly's cost sits almost entirely inside the exchange rate at roughly 0.3 to 1.5%, and the overseas sender pays it — but no FIRA is ever issued and transfers arrive under personal purpose codes. Remitly is generally cheaper — but it is a consumer remittance app: the costs sit with your sender, no FIRA is issued, and business use breaches its terms, though what actually lands in your bank depends on invoice size.
Which provides better exchange rates, Adyen or Remitly?+
Neither is clearly cheaper. Remitly at least publishes its pricing — roughly 0.3 to 1.5% built into the exchange rate, varying by corridor and tier — while Adyen does not publish FX pricing — it is contract-specific, and Indian merchants settle in INR only.
Do Adyen and Remitly provide FIRA for Indian exporters?+
Adyen provides no FIRA or e-FIRC at all. Remitly issues no FIRA or FIRC at any price — a personal-remittance credit is not export-classified. For GST refunds and export compliance an instant per-payment FIRA matters — Skydo issues one free with every payment.
Are Adyen and Remitly 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. Remitly has no RBI authorisation of its own — it delivers via partner banks under the Rupee Drawing Arrangement, a personal-remittance rail.
Is Adyen or Remitly 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. Remitly only fits genuinely personal transfers — its consumer terms prohibit business use outright.
Is there a better alternative to Adyen and Remitly 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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