Xflow alternative · India · 2026

Xflow alternative in India: keep $9,995 of $10,000

The cheapest way in the world to get paid internationally.

On a $10,000 bank transfer payment from a client in the United States to a business in India, Xflow takes $40.00 in fees. Playto takes $5.00 and adds zero markup, so you keep $9,995.00. The table below also shows Stripe, PayPal, Payoneer and Dodo Payments.

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Fees on $10,000 by bank transfer

  • XflowYou receive $9,960.00$40.00
  • PlaytoYou receive $9,995.00$5.00

The numbers

What lands in your bank

Example payments from a client in the United States to a business in India. All fees included. Taxes not included.

Difference on $10,000
$35.00
By bank transfer, what reaches you with Playto compared with Xflow.
Xflow all in
$40.00
Of a $10,000 bank transfer payment.
Playto all in
$5.00
On a $10,000 bank transfer.
Ways to pay
30+
From 170+ countries.
Client pays by card: what you receive
Provider$1,000$5,000$10,000
Playto$974.70$4,874.70$9,749.70
XflowNot listedNot listedNot listed
Stripe2$937.00$4,685.00$9,370.00
PayPal3$927.03$4,636.31$9,272.91
Payoneer4≤ $960.80≤ $4,805.96≤ $9,612.41
Dodo Payments6≤ $934.60≤ $4,774.60≤ $9,574.60
Client pays by bank transfer: what you receive
Provider$1,000$5,000$10,000
Playto$995.00$4,995.00$9,995.00
Xflow1$988.00$4,980.00$9,960.00
StripeNot listedNot listedNot listed
PayPalNot listedNot listedNot listed
Payoneer4,5≤ $990.00≤ $4,950.00≤ $9,900.00
Dodo Payments6≤ $960.00≤ $4,960.00≤ $9,960.00
  1. 1.Xflow: Xflow fee (the lower of its Starter plan and its Growth plan). www.xflowpay.com/pricing, checked 17 Oct 2026.
  2. 2.Stripe: Fee for an international card charged in USD; Stripe: Currency conversion surcharge (USD to INR). stripe.com/in/pricing, checked 17 Oct 2026.
  3. 3.PayPal: Payment fee for a client outside India; PayPal: Conversion to INR above PayPal's base rate. www.paypal.com/in/business/paypal-business-fees, checked 17 Oct 2026.
  4. 4.Payoneer: Card payment fee; Payoneer: Withdrawal fee to an Indian bank in INR (1% to 4%; we count the lowest). www.payoneer.com/en-in/about/pricing/, checked 17 Oct 2026.
  5. 5.Payoneer: Receiving a US bank transfer. www.payoneer.com/en-in/multi-currency-account/, checked 17 Oct 2026.
  6. 6.Dodo Payments: Card or wallet fee; Dodo Payments: USD SWIFT transfer fee to a non-US business (one a month); Dodo Payments: ACH Direct Debit fee. dodopayments.com/pricing, checked 17 Oct 2026.

Where the money goes

$10,000 by bank transfer, line by line

Xflow

  • Xflow fee (the lower of its Starter plan and its Growth plan)1$40.00
  • Total$40.00
  • You receive$9,960.00

Playto

  • Bank transfer fee$5.00
  • Total$5.00
  • You receive$9,995.00

Prices from playto.so/pricing. Playto adds zero markup.

Getting paid in India

The basics, with sources

Public facts from official sources, each with its date. Not advice: check with your bank.

Currency

Indian rupee (INR).

Source: www.six-group.com, checked 17 Oct 2026.

Local bank payments

Banks in India send money between accounts with NEFT, which the Reserve Bank of India runs.

Source: www.rbi.org.in, checked 17 Oct 2026.

Purpose codes

The Reserve Bank of India has a list of purpose codes for reporting money that comes in from abroad. For example, P0802 is for software setup and advice, and P1007 is for advertising and trade fairs.

Source: www.rbi.org.in, checked 17 Oct 2026.

Proof of payment (eBRC)

Banks send DGFT, India's foreign trade office, records of the payments you get from abroad. You then self-certify your eBRC (electronic Bank Realisation Certificate) from those records on the DGFT portal.

Source: www.dgft.gov.in, checked 17 Oct 2026.

Money rules

From 1 October 2026, money for services sold abroad must reach India within nine months of the invoice date, or twelve months if you bill or get paid in rupees. Your bank can allow more time if you ask and give a reason.

Source: www.rbi.org.in, checked 17 Oct 2026.

Exchange rate, for scale

1 USD = 95.83 INR (US Treasury reference rate, 30 Sept 2026). The rate on the day of a payment will differ.

Source: fiscaldata.treasury.gov.

Calculator

Try your own amount

From $1,000 to $50,000, by card or bank transfer, for a client in the United States paying a business in India.

$10,000
$1,000$50,000

Fees charged

  • XflowYou receive $9,960.00$40.00
  • PlaytoYou receive $9,995.00$5.00

Side by side

Xflow and Playto, in plain numbers

What adds to the cost with Xflow

  • Xflow lists no card option for a client in the United States paying a business in India.
  • All in, Xflow takes $40.00 (0.4%) of a $10,000 bank transfer payment. Playto takes $5.00.

Switching

Move from Xflow in three steps

  1. 1

    Request an invite

    Tell us about your business. Playto checks every business before it gets in.

  2. 2

    Send a payment link

    Share a link or an invoice. Your client can pay 30+ ways, from 170+ countries.

  3. 3

    Get paid

    Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Playto adds zero markup.

FAQ

Xflow alternative in India: questions

Is Playto cheaper than Xflow in India?
Yes, at every amount from $1,000 to $50,000 we checked, by bank transfer, for a client in the United States paying a business in India. On $10,000 by bank transfer, Xflow takes $40.00 and Playto takes $5.00. Taxes are not included.
What are the alternatives to Xflow for a business in India?
On a $10,000 bank transfer payment from a client in the United States to a business in India: Payoneer takes at least $100.00; Dodo Payments takes at least $40.00; Playto takes $5.00. Each number comes from the provider's own pricing page. Stripe and PayPal list no bank transfer option for this case.
How does a business in India get paid from abroad?
Send your client a payment link or an invoice. Your client can pay 30+ ways, from 170+ countries. They pick a card, a wallet or a bank transfer (ACH, SEPA, UK and wires).
Does Xflow work in India?
Xflow says it is built for businesses in India that get paid by clients abroad (www.xflowpay.com, checked 17 Oct 2026).
How much does Xflow charge on a $10,000 payment from the United States?
By bank transfer, Xflow takes $40.00 on $10,000, so $9,960.00 reaches a business in India. These numbers come from Xflow's own pricing pages, checked 17 Oct 2026.
How much does Playto cost?
Cards and wallets cost 2.5% + $0.30, the same for every card. Bank transfers are never more than $5. Playto adds zero markup. There are no monthly fees and no setup fees. Payments between Playto users are free.
How do I move from Xflow to Playto?
Request an invite and tell us about your business. Playto checks every business before it gets in. Then send your client a payment link or an invoice.

Keep comparing

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Get paid by global clients

Get paid by clients abroad with zero markup

Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Your client can pay 30+ ways, from 170+ countries.

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No monthly fees. No setup fees. Lowest price guarantee.

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