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Wise alternatives

Alternatives to Wise for receiving international payments in India include Xflow, Karbon, and Payoneer, while Revolut, OFX, and Remitly are options for global money transfers and spending.

  • Xflow: Ideal for B2B businesses and enterprises, Xflow offers flat-fee pricing at mid-market rates and automated eFIRA generation.
  • Karbon: This platform is best for IT service providers and exporters, charging a simple flat 1% fee with zero forex markup.
  • Payoneer: Suitable for marketplace withdrawals from platforms like Upwork, Fiverr, or Amazon, though its all-in withdrawal fees are higher.
  • Revolut: An all-in-one digital banking app that allows you to hold multiple currencies, exchange money at near mid-market rates, and spend using a debit card.
  • OFX: Ideal for large transfers over $10,000, OFX waives provider fees on large amounts and offers phone support with dedicated market experts.
  • Remitly: Best for fast personal remittances and cash pickups in various developing countries.
  • Skydo: This RBI-authorised platform is suitable for Indian freelancers, exporters and small businesses, allowing them to receive payments from international clients into their Indian bank account.
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