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International payments calculator

What reaches your Indian bank account when a client abroad pays you, after each service’s fees, currency conversion and GST. On a USD 1,000 payment (₹95,154.90 at ₹95.1549 per USD), Infinity leaves you the most: ₹94,679.13. Next is Razorpay MoneySaver (₹93,974.90). PayPal leaves you the least: ₹87,326.13.

FBIL reference rate on 26 Oct 2026, from the RBI website. Change it to today’s rate if you like.

Can you claim the GST back (ITC)?

What reaches your bank

USD 1,000 is ₹95,154.90 at ₹95.1549

  1. Infinity

    Multi-currency account · 0.5% (GST included)

    Leaves you the most

    ₹94,679.13

    about USD 995

    −₹475.77 in fees and GST (0.50%) · Payout time not published

    • Says it converts with no markup
    • Unverified
    Breakdown
    Payment, at your rate
    ₹95,154.90
    Infinity fee
    −₹475.77
    GST on the fee (included in the fee)
    −₹0.00
    Reaches your bank
    ₹94,679.13

  2. Razorpay MoneySaver

    MoneySaver Export Account — local bank transfer · under ₹1,00,000: ₹1,000 · ₹1,00,000 and above: 1% + 18% GST

    ₹93,974.90

    about USD 987.60

    −₹1,180.00 in fees and GST (1.24%) · In 1 working day (T+1)

    • Says it converts with no markup
    Breakdown and 1 other option
    Payment, at your rate
    ₹95,154.90
    Razorpay fee
    −₹1,000.00
    GST on the fee (18%)
    −₹180.00
    Reaches your bank
    ₹93,974.90

    Other options with Razorpay

    • MoneySaver FlashLinks (US ACH debit) · 2% + 18% GST · says it converts with no markup₹92,909.24

  3. Xflow

    Starter plan (USD) · up to USD 2,000: USD 12 + 18% GST (reverse charge) · above USD 2,000: 0.6%

    ₹93,807.51

    about USD 985.84

    −₹1,347.39 in fees and GST (1.42%) · Payout time not published

    • Conversion charge included
    Breakdown and 1 other option
    Payment, at your rate
    ₹95,154.90
    Xflow fee
    −₹1,141.86
    GST on the fee (18%, paid by you under reverse charge)
    −₹205.53
    Reaches your bank
    ₹93,807.51

    Other options with Xflow

    • Growth plan (USD) · up to USD 5,000: USD 20 + 18% GST (reverse charge) · above USD 5,000: 0.4% · conversion charge included₹92,909.24

  4. Winvesta

    Multi-Currency Account (USD) · 0.99% + USD 3 + 18% GST

    ₹93,706.45

    about USD 984.78

    −₹1,448.45 in fees and GST (1.52%) · Payout time not published

    • Says it converts with no markup
    • Unverified
    Breakdown
    Payment, at your rate
    ₹95,154.90
    Winvesta fee
    −₹1,227.50
    GST on the fee (18%)
    −₹220.95
    Reaches your bank
    ₹93,706.45

  5. BRISKPE

    Global account (exports) · up to USD 2,000: USD 16 · USD 2,000–USD 10,000: USD 25 · above USD 10,000: 0.25% + 18% GST

    ₹93,358.37

    about USD 981.12

    −₹1,796.53 in fees and GST (1.89%) · Payout time not published

    • Says it converts with no markup
    • Unverified
    Breakdown
    Payment, at your rate
    ₹95,154.90
    BRISKPE fee
    −₹1,522.48
    GST on the fee (18%)
    −₹274.05
    Reaches your bank
    ₹93,358.37

  6. Skydo

    Global account / InstaLinks · up to USD 2,000: USD 19 · USD 2,000–USD 10,000: USD 29 · above USD 10,000: 0.3% + 18% GST

    ₹93,021.53

    about USD 977.58

    −₹2,133.37 in fees and GST (2.24%) · Payout time not published

    • Says it converts with no markup
    • Unverified
    Breakdown
    Payment, at your rate
    ₹95,154.90
    Skydo fee
    −₹1,807.94
    GST on the fee (18%)
    −₹325.43
    Reaches your bank
    ₹93,021.53

  7. Stripe

    International cards — charged in INR · 3% + 18% GST

    ₹91,786.41

    about USD 964.60

    −₹3,368.49 in fees and GST (3.54%) · In 5 working days (T+5)

    • Charged in rupees, your client’s bank converts
    • Invite only
    Breakdown and 2 other options
    Payment, at your rate
    ₹95,154.90
    Stripe fee
    −₹2,854.65
    GST on the fee (18%)
    −₹513.84
    Reaches your bank
    ₹91,786.41

    Other options with Stripe

    • Amex issued outside India · 3.5% + 18% GST · extra conversion fee if charged in a foreign currency (not included)₹91,225.00
    • International cards (charged in foreign currency) · 4.3% + 18% GST · conversion charge included₹88,081.08

  8. PayPal

    Export Payment Services (receiving international commercial payments) · 4.4% + USD 0.30 + 18% GST

    ₹87,326.13

    about USD 917.73

    −₹7,828.77 in fees, conversion and GST (8.23%) · In 1–5 working days (T+1 to T+5)

    • Conversion charge included
    • Unverified
    Breakdown
    Payment, at your rate
    ₹95,154.90
    PayPal fee
    −₹4,215.36
    GST on the fee (18%)
    −₹758.76
    PayPal currency conversion (3.0% above base rate)
    −₹2,854.65
    Reaches your bank
    ₹87,326.13

  9. Cashfree Payments Global Collections

    Cashfree Payments Global Collections doesn’t publish a fixed rate. Enter your quote to compare it.

    Enter your quote
    %
    ₹
    ₹
    ₹

    Include any conversion fee in your quote. It’s saved on this device only.

  10. Payoneer

    Receiving account + withdrawal to Indian bank

    Payoneer doesn’t publish a fixed rate. Enter your quote to compare it.

    Enter your quote
    %
    ₹
    ₹
    ₹

    Include any conversion fee in your quote. It’s saved on this device only.

  11. Wise Business

    Receive into account details (auto-converted to INR)

    Wise Business doesn’t publish a fixed rate. Enter your quote to compare it.

    Enter your quote
    %
    ₹
    ₹
    ₹

    Include any conversion fee in your quote. It’s saved on this device only.

Or charge your client’s card through an Indian payment gateway

PhonePe Payment Gateway leaves you the most: ₹92,920.48. Gateways don’t publish the exchange rate they use, so you may get less than shown.

See all 9 gateways
%

If you know how far a gateway’s rate is from the market rate, enter it here to compare fairly. Amex and other card types are on each gateway’s page.

Ranked only by what you keep, using each service’s published fees with GST on the fee. No one pays to be listed.

How this works

  1. Your client’s payment is converted to rupees at the exchange rate above.
  2. Each service’s published fee is taken off, with GST on the fee only, never on the payment.
  3. Where a service publishes a currency conversion charge, it’s included. Indian card gateways don’t publish theirs, so you can add one.
  4. Services are ranked only by what you keep. Offers for new sign-ups don’t change the order.

International payments: questions people ask

What is the cheapest way to receive international payments in India?

On a USD 1,000 payment (₹95,154.90 at ₹95.1549 per USD), Infinity leaves you the most: ₹94,679.13. Next is Razorpay MoneySaver (₹93,974.90). PayPal leaves you the least: ₹87,326.13. If your client pays by card through an Indian payment gateway instead, PhonePe Payment Gateway leaves you the most: ₹92,920.48, but card gateways don’t publish their exchange-rate margin, so you may get less. PhonePe Payment Gateway publishes a starting rate, so the actual fee may be higher. Cashfree Payments Global Collections, Payoneer and Wise Business don’t publish a fixed rate, so ask for a quote and enter it here.

How much does PayPal charge to receive payments in India?

PayPal charges 4.4% + USD 0.30 + 18% GST on each payment from abroad, plus a currency conversion charge of 3% when it converts the money to rupees. On USD 1,000 at ₹95.1549 per USD, that leaves you ₹87,326.13, or 8.23% less. The fixed part depends on the currency: EUR 0.35, GBP 0.20, AUD 0.30 and CAD 0.30.

How much does Infinity charge to receive payments in India?

On payments in USD, EUR and GBP, Infinity charges 0.5% (GST included). It says it converts at the live exchange rate with no markup. On USD 1,000 at ₹95.1549 per USD, that leaves you ₹94,679.13.

How much does Razorpay MoneySaver charge to receive payments in India?

For MoneySaver Export Account (local bank transfer), Razorpay charges ₹1,000 for payments under ₹1,00,000 and 1% from ₹1,00,000, plus 18% GST. For MoneySaver FlashLinks (US ACH debit), it charges 2% + 18% GST. Razorpay says it converts at the live exchange rate with no markup. On USD 1,000 at ₹95.1549 per USD, that leaves you ₹93,974.90 and ₹92,909.24 respectively.

How much does Xflow charge to receive payments in India?

For the Starter plan (USD), Xflow charges USD 12 + 18% GST (reverse charge) for payments up to USD 2,000 and 0.6% above USD 2,000. For the Growth plan (USD), it charges USD 20 + 18% GST (reverse charge) for payments up to USD 5,000 and 0.4% above USD 5,000. On USD 1,000 at ₹95.1549 per USD, that leaves you ₹93,807.51 and ₹92,909.24 respectively.

How much does Winvesta charge to receive payments in India?

On payments in USD, Winvesta charges 0.99% + USD 3 + 18% GST. It says it converts at the live exchange rate with no markup. On USD 1,000 at ₹95.1549 per USD, that leaves you ₹93,706.45.

How much does BRISKPE charge to receive payments in India?

On payments in USD, BRISKPE charges USD 16 for payments up to USD 2,000, USD 25 from USD 2,000 to USD 10,000 and 0.25% above USD 10,000, plus 18% GST. It says it converts at the live exchange rate with no markup. On USD 1,000 at ₹95.1549 per USD, that leaves you ₹93,358.37.

How much does Skydo charge to receive payments in India?

On payments in USD, Skydo charges USD 19 for payments up to USD 2,000, USD 29 from USD 2,000 to USD 10,000 and 0.3% above USD 10,000, plus 18% GST. It says it converts at the live exchange rate with no markup. On USD 1,000 at ₹95.1549 per USD, that leaves you ₹93,021.53.

Do Cashfree Payments Global Collections, Payoneer and Wise Business publish their fees for India?

Not as a fixed rate we can use: they show their fees only in their own calculator, account or a quote, so they aren’t ranked here. Enter the quote from your account on this page to compare them with everything else.

What exchange rate does this calculator use?

It starts from the FBIL reference rate on 26 Oct 2026 (₹95.1549 per USD, ₹106.7241 per EUR and ₹127.2269 per GBP), as published by the Reserve Bank of India. Change it to today’s rate: we don’t fetch live rates. Each provider then converts at its own rate. Xflow, Stripe and PayPal publish a conversion charge, which is included. Infinity, Razorpay MoneySaver, Winvesta, BRISKPE and Skydo say they convert with no markup. Indian card gateways don’t publish their margin, so you can add one under the gateway list.

How long do international payments take to reach your bank account?

It depends on the provider. Razorpay MoneySaver Export Account (local bank transfer) pays out in 1 working day; Razorpay MoneySaver FlashLinks (US ACH debit) pays out in 5 working days; Stripe pays out in 5 working days; PayPal pays out in 1–5 working days. Each option’s published payout time is shown in the list.

Is GST charged on fees for international payments?

Yes. GST at 18% is added to the provider’s fee, never to the payment itself, and the amounts on this page already include it. If your business is registered for GST, you may be able to claim it back as input tax credit. GST on your own invoice to the client is a separate matter for your accountant.

Sources

Fees come from each provider’s official pages, last checked 26 Oct 2026. The reference exchange rate is FBIL’s, as shown on the RBI website.

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