🛠️ Tool
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India
Paid
Beginner
Why we picked it When your company is in India and your customers are abroad, the practical problem is getting paid in foreign currency through a proper banking channel and getting the remittance paperwork that GST and FEMA both ask for. Wise gives you account details in several currencies and auto-emails an eFIRC for each transfer, which is the documentation you need to prove a zero-rated export. Payoneer is the other real option (better if your money flows through Upwork or marketplaces), so compare both against how your clients actually pay before you commit.
Wise Business: receive international payments in India
From Wise by Wise Product page
- You get dedicated receiving account details in currencies like USD, GBP, EUR and SGD, so clients pay you in foreign currency (paying you in INR breaks the export-of-services condition).
- Wise auto-generates an eFIRC per transfer, the remittance proof your CA needs for GST zero-rating and FEMA records, whereas some rails make you chase the certificate manually.
- India has limits worth checking first: Wise Business supports freelancers and sole proprietors (not Pvt Ltd or LLP) and caps a single invoice around USD 10,000, so confirm your entity type and ticket size fit.