PayGlocal Pricing: Complete Guide on Fee Breakdown
PayGlocal prices its multi-currency account on a tiered fee, flat $10 or $18 for smaller invoices, 0.25% above $7,500, with no FX markup. Here's the full breakdown for Indian exporters, with a worked example and a side-by-side calculator versus Skydo.
Over $1B processed • Licensed by RBI
Approved underRBI's PA-CB framework
Approved underRBI's PA-CB framework
PayGlocal Pricing Overview
PayGlocal's multi-currency account runs on a tiered fee: a flat $10 per transaction under $2,000, a flat $18 from $2,000 to $7,500, then 0.25% from $7,500 up to $25,000. There's no FX markup and no monthly or setup fee.
Above $25,000, PayGlocal moves to custom, negotiated pricing that isn't published. So for a genuinely large invoice, you won't know your exact rate until you talk to their sales team, unlike the transparent tiers below that threshold.
Compared to PayPal (5-8%) or Stripe (~6.3%), PayGlocal is clearly cheaper. Compared to Skydo's flat $19 to $29 pricing, PayGlocal's tiered fee actually comes out cheaper at every size we tested, from a $1,000 invoice to a $10,000 one.
PayGlocal Transfer Fees Explained
PayGlocal's multi-currency account fee is tiered by invoice size rather than a single flat number, published clearly on its pricing page with no hidden markup layered on top.
Approximate all-in cost for common currencies
FIRA charges
PayGlocal: Automated, free, delivered to inbox instantly. Skydo provides free instant per-transaction FIRA.
Multi-currency hold
PayGlocal: RBI prevents holding foreign currency long-term. Skydo offers multi-currency virtual accounts.
PayGlocal Exchange Rate and FX Margin
PayGlocal applies the live interbank exchange rate with zero FX markup, published consistently across its pricing and product pages. Banks typically tack on 2-4%, PayPal closer to 3-4%.
Where PayGlocal costs you is the tiered platform fee. On a $5,000 payment, that's a flat $18 by published tier, roughly ₹1,600 at current rates, with nothing else added on top.
For most invoice sizes an Indian exporter or freelancer handles, PayGlocal's tiered fee comes out at or below Skydo's flat fee. The real trade-off is predictability: Skydo's fee never changes; PayGlocal's depends on which tier your invoice falls into.
PayGlocal Gaps and Charges to Watch For
PayGlocal is transparent on its headline rate. The few things worth checking before you sign up:
Tiered, not flat
the fee changes as your invoice crosses $2,000, $7,500 and $25,000.
Sales-gated signup
onboarding starts with a sales conversation rather than instant self-serve account creation.
GST on fee not itemised
PayGlocal doesn't publicly break out whether 18% GST applies on top of its published tiered fee.
No published eBRC automation
exporters may still need to arrange eBRC through their bank or DGFT separately.
Purpose code undisclosed
assignment per payment isn't published.
Card-first product
the multi-currency account is one product on a stack built primarily for card processing.
How Much Does PayGlocal Actually Cost? (Real Example)
An Indian freelancer invoices a US client $5,000, with today's mid-market rate at 1 USD = ₹89.4.
Invoice
$5,000.00
Breakdown
PayGlocal — what you lose
Invoice
$5,000.00
Breakdown
Skydo — what you keep
Over 12 monthly invoices of $5K each: PayGlocal's flat $18 tier-two fee totals ~$216/year, about $132 (~₹11,800) less than Skydo's flat $29 fee at ~$348/year.
PayGlocal Pricing vs Skydo Pricing
Here's a clear side-by-side of every PayGlocal and Skydo fee, so you can see what each platform actually costs you per transaction.
Transaction fee structure
$10/$18 flat, 0.25% above
Flat $19 / $29 / 0.3%
Fee on $1,000 invoice
$10.00
—
Fee on $5,000 invoice
$18.00
—
Fee on $10,000 invoice
$25.00
—
Fee on $50,000 invoice
Custom pricing, not publicly disclosed above $25,000
—
FIRA
Automated, free, instant
Free, instant, per payment
Multi-currency hold (India)
RBI prevents holding foreign currency long-term
Yes
Is PayGlocal Worth the Cost for Indian Exporters?
PayGlocal has real strengths for some businesses. For Indian B2B receivables, the math depends on invoice size and compliance needs.
PayGlocal is worth it when.
Your invoice volume is moderate and you're comparing pure fee percentage. You also process card payments and want everything on one RBI-authorised stack. You value a dedicated account manager.
PayGlocal stops being worth it when.
You want instant self-serve onboarding with no sales call. You need automated GST-compliant invoicing, eBRC or purpose code assignment. You want a fee that stays flat regardless of invoice size.
Frequently Asked Questions About PayGlocal Pricing
What is PayGlocal's effective cost on a typical USD to INR transfer?
It depends on invoice size, since PayGlocal's multi-currency account fee is tiered rather than a single flat percentage. Expect a flat $10 on invoices under $2,000, a flat $18 from $2,000 to $7,500, and 0.25% from $7,500 to $25,000, all with zero FX markup and no GST itemised separately in public materials.
Does PayGlocal charge a forex markup?
No. PayGlocal states across its pricing and product pages that it applies the live interbank exchange rate with zero FX markup on every settlement, meaning what you see is what the platform uses for conversion, with no hidden margin built into the displayed rate the way some competitors quietly add one.
Are there volume discounts on PayGlocal?
Yes. PayGlocal's pricing page lists volume discounts, platform-specific discounts such as Amazon Global Selling, and multi-product discounts for businesses using more than one PayGlocal product together. None of these come with a published threshold or exact discount percentage; you'd need to contact their sales team for a custom quote.
What is the cheapest way to receive payments in India?
It depends on invoice size and payment type. PayGlocal's tiered multi-currency account fee, flat $10 or $18 for smaller invoices, 0.25% above $7,500, comes out cheaper than Skydo's flat $19 to $29 fee at every size we tested up to $10,000, though PayGlocal's rate moves with invoice size while Skydo's stays fixed.
Does PayGlocal provide FIRA?
Yes. FIRA is generated automatically on every settlement at no extra charge, delivered directly to your inbox, and downloadable anytime from the PayGlocal dashboard. This matters for Indian service exporters who need the documentation on file for GST zero-rating claims and general export record-keeping, without chasing their bank.
Should I use PayGlocal or Skydo?
For predictable, flat-fee pricing with instant self-serve onboarding built specifically around Indian export compliance, compare Skydo directly. For a single stack that also handles card payments and domestic UPI collections alongside cross-border bank transfers, PayGlocal's percentage-based multi-currency account is worth evaluating against your typical invoice size.
See How PayGlocal's Tiered Fees Compare to Skydo's Flat Rate
- Compare PayGlocal's tiered fee against Skydo's flat pricing on your invoice size
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