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Wise Business: receive international payments in India
Wise Paid Beginner India
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.
- 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.
