For freelancers, consultants, and small businesses in India, the ability to work with clients from around the world is a major advantage. It opens access to larger markets, higher-value projects, and a broader global network.However, receiving or sending international payments remains a challenge due to bank fees, hidden FX charges, and delayed settlements that come with traditional banking channels.

To address these issues, a number of modern fintech platforms have emerged, offering faster and more transparent cross-border payment solutions. Among them are Winvesta and BRISKPE, providing options for inward remittances to Indian users. The following comparison looks at their key features, pricing, and suitability for different types of businesses.

Overview of Winvesta’s Cross-Border Payments Solution

Winvesta is a UK-regulated platform that allows residents of India to invest and manage money in global markets.

What Winvesta Offers:

• Multi-currency account: With Winvesta, clients can open an online account for more than 30 currencies: USD, GBP, EUR, CAD, and many others. That is why Indians can first receive their foreign-sourced income and hold it directly, instead of immediately converting it to INR.
  
• Transfers and Holdings Integrated: Winvesta unifies cross-border money movement with investment management. Receive money from abroad, hold it in USD or GBP, and reinvest globally from the same interface.
  
• Regulatory Compliance and Safety: It is registered with the Financial Conduct Authority of the UK. It follows international AML and KYC regulations.

Analysis of Winvesta’s Fee Structure

While this is all great for investment and multi-currency features, particularly for those who want to build international portfolios, the fee and transaction model of Winvesta becomes inhibitive for freelancers or small businesses for whom cross-border payments are more critical than building investments.

• Currency Conversion Fees: There is a conversion fee taken by Winvesta for the conversion from USD to INR or vice versa; this is a certain 0.99% of the transaction amount, which quickly adds up on big payments.
  
  • For example: If you receive $2,000 from a US client and convert to INR through Winvesta, you will be required to pay roughly $19.80 for conversion, excluding possible intermediary bank charges.
    
• Withdrawal Fees: There might also be small fixed fees depending on the method applied for the transferring of money to your Indian bank account. Transfers based on SWIFT can also attract between $5–$10 per transaction.
  
• Time of Settlement: The funds will take anything from two to five business days to reflect in your Indian account. This may be okay for investment purposes but is not ideal when it comes to business cash flow that depends on timely settlements.
  
• Business Functionality: Winvesta is fundamentally a personal finance platform. It does not offer key features like invoicing, team payouts, or automated FIRA generation. These are features greatly in demand for Indian businesses that are getting paid globally.

In short, Winvesta: It’s a platform for investors who need to invest and hold money abroad, but for businesses and freelancers whose primary interest is getting paid efficiently, it may be less practical because of high cost and time lag.

Enter BRISKPE: A Smarter Alternative for Cross-Border Payments

BRISKPE was built to help Indian businesses and professionals receive international payments quickly, cheaply, and transparently, focusing on making global transactions frictionless: flat fees, faster settlement, and complete transparency.

Why BRISKPE is a Better Choice for International Transactions

• Transparent and Affordable Pricing: BRISKPE has a very transparent and understandable pricing model, much more reasonable than the Winvesta percentage-based fees.
  • Payments of up to $2,000 have a flat rate of $16.
  • Between $2,001 and $10,000: $25.
  • Payments above $10,000 incur a 0.25% fee.
  • If you are getting $2,000 from a client: With Winvesta, you pay $19.80, 0.99% plus the SWIFT or intermediary fees. With BRISKPE, you pay just $16, that’s an immediate 20% saving. While this might be a negligible difference per single transaction, to freelancers and agencies who receive many global payments every month, the savings count over time.
    
    
• Zero FX Markups: Unlike banks and investment platforms, BRISKPE uses live mid-market exchange rates with no hidden margins in currency conversion the same rate one would find on Google or Reuters.What this means is that what you see is what you get; no hidden costs, no surprise deductions after conversion.
  
  
• Faster Settlements: While the Winvesta settlement takes a few days, BRISKPE transfers can be done within 24 to 48 hours for faster access to cash and better cash flow. This makes BRISKPE particularly valuable to businesses dependent on timely international settlements.
  
  
• Free Compliance Assistance: FIRA documents are to be obtained for every inward foreign payment to India. BRISKPE automatically and at no additional cost creates FIRAs for all transactions, saving its users both time and compliance headaches. On the other hand, in the investment-centric platforms, FIRA does not get created by default.
  
  
• Built for Businesses and Professionals: BRISKPE focuses only on international payments, not diluting the offering with other features, such as stock investing or wealth management. Its design supports:
  • Local virtual bank accounts in key markets: US, UK, and EU.
  • Automated currency conversion.
  • Simple, flat-fee billing.
  • Enterprise pricing for high-volume clients.

Making an Informed Decision for Your Business

Winvesta offers a good platform for those seeking diversification in investment and holding foreign currencies, but as far as cross-border business transactions are concerned,  BRISKPE definitely offers a better deal in terms of lower fees, faster processing, and complete cost transparency.

Conclusion

Cross-border investing and payments both form the backbone of today’s global economy. While Winvesta has made it easier for Indians to invest in and hold foreign assets safely, if your priority is getting paid efficiently, transparently, and at the lowest possible cost, BRISKPE is the best option.

BRISKPE combines flat-rate fees, zero FX markups, automatic compliance, and 24 to 48 hour settlements that help Indian freelancers, consultants, and businesses keep more of what they earn, without unnecessary waiting or hidden costs.

Don’t let high fees and conversion delays eat into your global earnings. Choose BRISKPE, the smarter, faster, and fairer way of managing international payments. Sign up at BRISKPE.com and start saving on every transaction today.