Traditional bank transfers can be slow, expensive and opaque—especially when you’re selling across currencies and borders. Modern payment platforms streamline foreign‑exchange (FX), compliance and settlement so you can focus on growing your business, not chasing paperwork.
How We Chose the Winners
We evaluated each provider based on:
- Currency support & FX transparency
- Settlement speed & reliability
- Compliance & documentation (RBI, FIRC)
- Ease of integration & usability
- Fees & dispute management
1. PayGlocal
Why We Like It
PayGlocal isn’t just another payments processor—it’s built from the ground up with the complexities of cross‑border trade in mind. Its end‑to‑end fraud engine leverages machine learning to flag and block suspicious activity in real time, giving you peace of mind on every transaction. The platform’s merchant portal surfaces clear, itemized FX fees alongside settlement timelines, so you always know exactly what you’ll receive—and when.
Key Features:
- Accept payments in 100+ currencies
- Settle in INR with transparent mid‑market FX
- Support for global cards & local methods (WeChat Pay, SEPA)
- Built‑in dispute & refund management
- PCI‑DSS certified, RBI‑aligned infrastructure
Best For
Growing exporters and marketplaces that demand enterprise‑grade fraud protection, granular reporting and consistent settlement schedules. If your business handles high volumes or high‑value orders across multiple currencies, PayGlocal’s transparent fee model and dispute‑management toolkit make it easy to scale globally without surprises.
2. PayPal
Why We Like It
With over two decades in the game, PayPal remains the de facto checkout solution trusted by millions of buyers and sellers worldwide. Its seamless button‑and‑link integrations mean you can start accepting payments from day one—no complex onboarding, SDKs or server certificates required. And because international buyers already know and trust the PayPal brand, you’ll see higher conversion rates compared to lesser‑known local methods.
Key Features:
- Accept payments from 200+ markets in 100+ currencies
- Easy button/embed checkout and email invoicing
- FIRC issuance for export documentation
- Buyer protection and chargeback mitigation
Best For
Freelancers, creative agencies and D2C brands that rely on brand recognition to boost buyer confidence. If you’re looking for plug‑and‑play simplicity, quick setup and built‑in protections that reduce chargeback headaches, PayPal delivers without the need for a deep payments team.
3. Skydo
Why We Like It
Skydo’s virtual account model lets you offer clients local bank details in the US, UK and EU—without ever opening a foreign bank account yourself. By routing payments through true mid‑market FX rates (no hidden spread), you retain more profit per transaction. Automated FIRC generation ensures your export documentation is audit‑ready, while its streamlined KYC process gets you up and running in hours—not days.
Key Features:
- Virtual bank accounts in USD, EUR & GBP
- True mid‑market FX rates, zero markup
- Quick INR settlement in 24–48 hours
- Auto‑compliance with RBI rules (FIRC generation)
Best For
Service exporters, consultants and small agencies that need fast, predictable payouts without FX markups. If you invoice clients in dollars, euros or pounds, Skydo’s simplicity and compliance features make it easy to manage monthly billing and quarterly reporting.
4. Razorpay
Why We Like It
Razorpay has evolved beyond a domestic gateway into a unified platform for all your payment needs—domestic or international. Its international suite plugs directly into the same dashboard you use for UPI, wallets and American Express, so there’s zero context switching. Automated export‑document generation and RBI‑aligned reconciliation reports mean finance teams spend less time gathering paperwork and more time closing the books.
Key Features:
- Accept payments in 100+ currencies (cards & wallets)
- Settlement in INR with competitive FX spreads
- Seamless onboarding (KYC + payouts in one portal)
- Automated compliance and reporting tools
Best For
Established e‑commerce brands and startups that want a single pane of glass for both INR‑ and FX‑denominated transactions. If you already rely on Razorpay for UPI and card acquiring, adding cross‑border collections takes minutes—ensuring consistent UX and one consolidated settlement.
5. Cashfree
Why We Like It
Cashfree’s strength lies in its all‑in‑one dashboard that seamlessly blends domestic payouts with international collections. Multilingual live‑chat support and AI‑driven bots are on hand 24/7, reducing reliance on ticket queues. Deep CRM and e‑commerce integrations mean workflows—from order confirmation to refund—are fully automated, giving you back hours each week.
Key Features:
- Manage domestic & cross‑border payouts in one place
- Live‑chat & AI bot support for instant help
- Deep CRM and e‑commerce integrations
- Automated refund and reconciliation flows
Best For
High‑volume merchants and platforms that juggle both local and global customers from a single operations team. If you need to toggle between INR settlements, FX rate locks and customer support chats without switching apps, Cashfree’s cohesive UI and automated workflows keep everything running smoothly.