Tarun ShahIndian Freelancer
Receive Money from the US to India, the Smarter Way
Skydo helps Indian businesses get paid by US clients without hidden fees, delays, or compliance headaches.- Save up to 95% on fees receiving from the US
- US payments settled within 24 hours
- Instant FIRA, fully RBI compliant
- Zero FX margin, transparent flat fees
Accept payment from 150+ countries
USD
Client pays
You'll receiveINR
Banks
PayPal
100+ reviews
Trusted by 50,000+ businessesOver $1B processed • Licensed by RBI
Approved under
RBI's PA-CB framework
Approved underRBI's PA-CB framework
Why Indian Businesses Prefer Skydo to Receive Money from the US to India
Skydo is built ground-up for Indian businesses getting paid by international clients. Transparent pricing, local collection, and compliance handled the way exporting from India actually works.Receive Payments from US, Like a Local
RBI authorized and ISO 27001
24 hour settlement. Best India support
Currency supported
150+ currencies
Flat fees
Under $2,000$19
$2,001-$10,000$29
Above $10,0000.3%
Instant & free FIRA,every time.GST-compliant FIRA, downloadable from your dashboard, free.
How to Receive Payments from the US in 3 Simple Steps
Step 1
Sign up in 5 minutesShare PAN, Aadhaar, and Indian bank details. Get a virtual US account instantly.
Step 2
Share Account DetailsYour client pays into the virtual US account using domestic transfer methods like ACH. No SWIFT or wire fees on their end.
Step 3
Receive INR in 24 hoursSkydo converts at the live mid-market rate and settles INR to your Indian bank. So what you see is what you get.
From sign-up to your first international payment landing in INR, under a week, every time.
US to India Money Transfers: A Side-by-Side Comparison
Here's what a $10,000 payment from a US client actually costs you across the common options, and what lands in your Indian bank with each.| Features |  |  |  | |
|---|---|---|---|---|
| FX markup | 2 to 4% | ~4% | 0%, mid-market | 0%, mid-market |
| Transaction fee | Fixed wire + charges | 4.4% + $0.30 | ~1.6-1.8% + $2 FIRA | Flat $29 |
| FIRA | Manual, chase bank | Weekly digital | $2 per FIRA | Instant and free |
| Settlement | 3 to 7 days | ~24 hours | 1 to 2 days | Within 24 hours |
| Support | Branch hours | Email, slow | Email, chat | India-based, dedicated |
Best Ways to Receive Money from the US in India
A US client can pay you four ways. Here's how each one works, and what it costs you, so you can pick the one that keeps the most in your account.Bank Wire Transfer (SWIFT)Your US client sends a wire through their bank to your Indian account. Universal and secure, the traditional route.
Pros
Works with any US bank
Widely accepted and safe
Cons
Slow, 3 to 7 business days
Hidden FX markup plus wire charges
You chase your bank for the FIRA
Cost$25–$50 wire + 2–4% FX markup
Speed3–7 business days
FIRA7–14 days, ₹100–₹500 per request
Best forLarge transfers, max safety
Bank Wire Transfer (SWIFT)Your US client sends a wire through their bank to your Indian account. Universal and secure, the traditional route.
Pros
Works with any US bank
Widely accepted and safe
Cons
Slow, 3 to 7 business days
Hidden FX markup plus wire charges
You chase your bank for the FIRA
Cost$25–$50 wire + 2–4% FX markup
Speed3–7 business days
FIRA7–14 days, ₹100–₹500 per request
Best forLarge transfers, max safety
How Your US Client Pays You via ACH and Bank Wire
When you use Skydo, your US client isn't sending an international transfer. They're paying into local US account details, the same way they pay any American vendor. Here's how the money leaves their account.ACH TransferYour client enters your US account and routing number in their bank or accounting tool, the same details they'd use to pay a US supplier. The payment moves over the ACH network.
Cost to your clientFree or a few cents at most US banks.
Speed1 to 3 business days.
Best forMost invoices. The default, low-cost way US clients pay.
Six Factors to Consider While Receiving Money from the US to India
Choosing the wrong method to receive US payments doesn't just cost money, it slows settlements, complicates compliance, and creates friction for your American clients. Here are the six factors to compare.Save More While Receiving Money from the US to India with Skydo
Move the slider to your invoice amount and see exactly what you keep with Skydo, versus what a bank or PayPal leaves you with.USD
Client pays
Payment partner
Watch How Skydo Helps You Receive Money from the US to India
See how Indian businesses get paid by US clients on Skydo, from sharing account details to INR landing in the bank, in one short walkthrough.Here’s What Skydo Users Have to Say About Receiving Payments from the US
Indian businesses getting paid by US clients on Skydo, in their own words.
ChetanyaIT Consultant
VarunFounder of Scooper AI
50K+Customers onboarded
200K+Payments processed annually
4.8+Average rating
Common Questions About Receiving Money from the US to India
How can I receive money from the US to India?
You can receive US payments through a bank wire (SWIFT), a gateway like PayPal or Stripe, a remittance service, or a virtual multicurrency account. A virtual account is usually the cheapest and fastest, because your US client pays into local US account details and you receive INR at the mid-market rate. Skydo gives you a virtual US account so clients can pay you like a local US transfer.
What is the cheapest way to receive money from the US to India?
The cheapest option is the one with the lowest total cost, not the lowest headline fee. Gateways can cost 4 to 5% once you add the FX markup, which quietly eats more than a flat fee would. A flat-fee platform on the mid-market rate keeps more of every US invoice. On a $10,000 payment, Skydo costs a flat $29 with zero FX markup.
How long does it take to receive a payment from the US in India?
It depends on the method. A US bank wire (SWIFT) can take 3 to 7 business days, and some gateways hold funds longer. A virtual multicurrency account is faster, usually settling into your Indian bank within 24 hours. With Skydo, most US payments reach your account within a day.
How does my US client actually pay me?
Your American client pays into local US account details using ACH for most payments, or a domestic bank wire (Fedwire) for large or urgent ones. For them it works exactly like paying any US vendor, no SWIFT, no international transfer form, no foreign wire fee on their end.
Do I get a FIRA for payments received from the US?
Yes. A FIRA (Foreign Inward Remittance Advice) is your proof that a US payment came in legally, and your CA needs it for GST and FEMA compliance. Many banks make you request it manually and charge per certificate. With Skydo, an e-FIRA is generated automatically on every US payment and stored in your dashboard, ready to download.
How much are the fees to receive money from the US to India?
Fees depend on the method. Banks add a wire charge plus a 2 to 4% FX markup, and PayPal can run to 4 to 5% all in. Skydo charges a flat fee with zero FX markup: $19 under $2,000, $29 from $2,001 to $10,000, and 0.3% above $10,000, so what you see is what you get.
Is it safe and legal to receive money from the US to India through Skydo?
Yes. Skydo is authorised by the Reserve Bank of India as a Payment Aggregator, Cross Border (PA-CB), so your money moves through a regulated channel every time. You get a FIRA on every payment and funds settle directly to your Indian bank account.
Ready to Save More on International Payments?
Start receiving global payments with Skydo and keep more of what you earn.Bengaluru, Karnataka
Second Floor, Indiqube Serenity, Phase 2, 31, Hosur Rd,near Vishal Megamart, Muneswara Nagar, Sector 6, HSR Layout,Bengaluru, Karnataka, 560068
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