Xflow has become the go-to solution for Indian businesses that work with clients from other countries because it makes it easy for exporters, freelancers, and SaaS companies to make cross-border payments. Many professionals who get paid in foreign currencies prefer it because of its clear FX rates, quick settlements, and free e-FIRA support.

But not all of these features and functions are only available in Xflow. Some businesses may want options that support more currencies, charge lower fees, or give them better tools for compliance. This review talks about some of the best alternatives for Xflow in 2025, like BRISKPE. The price, features, and foreign exchange rates of each platform are compared.

What is Xflow, and what do people use it for?

Xflow makes it easier for Indian businesses to get paid by clients in other countries. It lets customers pay in more than 25 currencies through local bank transfers instead of wire transfers. Businesses get money directly into their INR or EEFC accounts at interbank-linked rates, and the process is completely open.

Some important features are

• An RBI-approved bank gives out free e-FIRA.
• Settlements happen quickly, usually within one business day.
• There are no limits on withdrawals and no hidden FX fees.

For a lot of people, the best thing about Xflow is how clear it is. It makes sure you always know exactly how much INR will be in your account.

Why should you look for other options besides Xflow?

Xflow makes cross-border payments clear, but it might not always meet the operational or cost needs of every business. A lot of exporters and freelancers want more freedom and control over their international collections these days.

Some businesses might need:

• More support for currencies or markets, like for sellers on Amazon or eBay.
• Lower minimum fees for smaller purchases.
• Integrations with accounting or invoicing tools that come with the software.
• Places to make and receive payments.

That’s where platforms like BRISKPE come in as good alternatives.

The best Xflow alternatives for Indian businesses

1. BRISKPE

BRISKPE is a company in Mumbai that offers a full payment solution for Indian exporters, freelancers, and Amazon sellers who get money from clients outside of India. It has virtual foreign currency accounts, easy payment links, and works with PayPal and Amazon Global Selling.

Important features:

• Get paid in 8 different currencies: CAD, AUD, JPY, HKD, SGD, and USD.
• Integrations with PayPal and Amazon PSP.
• Global virtual accounts for easy collection.
• e-FIRA and FIRC are available through banks that work with us.

Prices:

• $16 for each transaction up to $2,000
• $25 for each transaction between $2,000 and $10,000
• 0.25% per transaction for amounts over $10,000
• More than $50,000: You can get custom pricing by calling BRISKPE

Compliance as an Advantage: BRISKPE offers security and automation for important documents like e-FIRA by getting the RBI’s in-principle Payment Aggregator Cross Border (PA-CB) approval (which is backed up by external search results for both BRISKPE and Xflow, showing that the sector is committed to following the rules) and getting SOC 2 Type II certification.

BRISKPE is better than other options, especially for businesses that sell on marketplaces like Amazon Global Selling. It is a good choice for people who need both global reach and help with compliance in their area.

2. Payoneer

Payoneer is a well-known name in the world of international business payments. It works with more than 70 currencies in 190 countries and makes compliance documents like FIRA and FIRS on its own.

Main Features:

• You can hold and take out money in more than one currency.
• Payoneer-to-Payoneer transfers are free.
• Automatic creation of FIRA, FIRS, and NOC files.
• Freelancers and exporters can access the world.

Pricing:

• Transfers from Payoneer to Payoneer are free.
• When you pay a client directly, you usually have to pay a fee of about 1%.

Limitations:

• The rates for converting currencies may be higher than the mid-market rates.
• First withdrawals may take longer because of account verification and compliance checks.
• It can take a long time for customer service to help with disputes.
• There isn’t much information about FX markup until after the deal is done.

3. Wise

Wise (formerly TransferWise) is a great choice for small businesses and freelancers who want clear FX rates. It uses the mid-market exchange rate to keep prices low and clear.

Main Features:

• Accounts that can hold more than one currency in 50+ currencies.
• e-FIRA generation that happens automatically.
• Quick transfers (usually within two hours).

Pricing:

• The cost of converting money depends on the currency.
• There is a $2.50 eFIRC fee for each transfer, plus 18% GST.

Limitations:

• The fees for each transfer can add up quickly for people who do a lot of them.
• For people who use eFIRC a lot, the fees and GST add up quickly.
• Customer service is mostly done online, with only a little phone support.
• Not great for business payments that happen a lot.

4. Stripe

Stripe lets you make payments online and in person in more than 135 currencies. This makes it a popular choice for SaaS platforms, e-commerce brands, and digital service providers.

Important Features:

• Accepts more than 100 payment methods, including cards, wallets, and real-time payments.
• Fraud detection using AI.
• Pricing in the customer’s local currency.

Pricing:

• The base transaction fee is 2%.

Limitations:

• In India, onboarding is only open to those who have been invited, which makes it hard to get to.
• Needs a lot of checks and business paperwork.
• It can take up to a week for international transactions to settle.
• Small businesses with few tech resources have a harder time learning new things.

5. RazorpayX

RazorpayX helps Indian small and medium-sized businesses (SMEs) handle both local and international transactions. It lets you pay in more than 130 currencies from more than 180 countries.

Important Features:

• FIRA, IEC, and Softex filing done automatically.
• Withdrawals of INR with one click.
• Support for Apple Pay and payments by card.

Prices:

• Fees start at 2% and go up to 18% GST.

Limitations:

• The corridor can cause delays in international settlements.
• The time it takes to get help may be different for non-premium users.
• Cross-border transfers have to go through extra compliance checks.
• It’s not clear what the full cost of currency conversion will be up front.

Table of Comparison: Xflow vs. the Best Alternatives

Platform	Best For	Key FX Rate System	Common Fees	Help with the Marketplace and Integration
Xflow	Pricing that is clear, SaaS, and exporters	Rates linked to banks	Very low fee for converting FX	Links for payment and local bank transfers
BRISKPE	Amazon Global Sellers and Freelancers	Partner bank rates can change by up to 0.2%	Flat $16 to $25 or 0.25%	PayPal and Amazon PSP
Payoneer	Global Freelancers and Mass Payments	Standard markup on interbank is about 1% for direct clients	About 1% for direct client payments	World markets
Wise	Small businesses with low FX fees	Rate for the middle market	$2.5 eFIRC for variable conversion	Accounting tools like Xero and QuickBooks
Stripe	E-commerce, SaaS, and digital services	Markup on the interbank rate	Begins at 2%	A lot of APIs for integration
RazorpayX	Indian Startups, Consolidated Finance	Changes depending on the partner bank	Begins at 2% plus 18% GST	Softex and automation of compliance

What to Look for When Choosing an Alternative to Xflow

When choosing the best partner for cross-border payments, pay attention to the following:

• Open exchange rates. Prefer prices that are linked to the mid-market or interbank.
• Coverage of currencies. More choices mean fewer conversion losses.
• Tools for compliance. Look for automatic creation of e-FIRA and FIRC.
• Speed of transactions and fee structure. Make sure it fits your payment volume.
• To keep the rules correct, security and compliance with RBI or FEMA are needed.

Final Thoughts

While a platform like Xflow may focus on speed and transparent inter-bank rates, BRISKPE’s strategic advantage lies in its India-centric solution, prioritizing essential features like regulatory compliance (e-FIRA), platform integration, and a pricing model that scales very favorably for high-volume exporters.

Go to BRISKPE.com now!