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Cheapest way to receive international payments in India

Here are the cheapest ways to receive international payments in India, ranked by cost-effectiveness and speed.

  • Skydo: RBI-authorised platform offering transparent forex rates, flat receiving fees of USD 19 or USD 29 plus GST by invoice size and 0.3% plus GST above USD 10,000, and typically the fastest processing for Indian exporters and freelancers.
  • Wise: Known for mid-market exchange rates with lower transfer fees compared to traditional banks, though processing times can vary.
  • Direct bank transfer (SWIFT): Available through most Indian banks but often involves higher fees and less competitive forex margins.
  • Payoneer: Supports multi-currency receiving accounts with reasonable fees, though currency conversion charges apply.

Compare the total cost including forex margins, transfer fees, and processing time to find the best fit for your business volume.

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