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Keep more of every international payment

Pay up to 97% less on international collections. PayPal charges 4.40% plus a fixed fee for receiving international commercial payments in India, with an additional 4% markup on currency conversion. PayGlocal Global Bank Transfer starts at 0.25% all-in for transactions above $7,500, with 0% FX markup.

  • On a $20,000 invoice, PayPal takes $1,645 once conversion is counted
  • On the same invoice, PayGlocal takes $50 and you keep $19,950
  • That is $1,595 more from a single payment
  • RBI PA-CB authorised, 10,000+ active merchants, 180+ countries, 33+ currencies
See pricing
Your client pays
£
5002K10K50K100K
Fetching live rate…£1 GBP = ₹0.00 INR
PayGlocalBest rate
—
 
Conversion rate
1 GBP = ₹0.00
Fee
£0.00
You receive
₹0.00
PayPal
—
 
Conversion rate
1 GBP = ₹0.00
Fee
£0.00
You receive
₹0.00
Calculating your savings…

Rates are indicative. Final amount may vary.

Takes less than 5 minutes to activate
RBI PA-CB Inward and OutwardRBI PA-O8,000+ Indian businessesUp to 96% payment success rateLowest multi-currency account pricingRBI PA-CB Inward and OutwardRBI PA-O8,000+ Indian businessesUp to 96% payment success rateLowest multi-currency account pricing
PayGlocal and PayPal, compared
Short answer

PayPal helps you receive international payments. PayGlocal is built around what happens next.

Getting paid is only one part of an international collection. Indian businesses still need to manage FX, settlements, invoice reconciliation, FIRA and export compliance.

PayGlocal Global Bank Transfer brings the entire collection journey together.

Your customer pays locally. You collect globally. Your money settles in India.

PayGlocal vs PayPal at a glance

PayGlocal
PayPal
International collection pricing
Starts at 0.25% all-in
4.40% + fixed fee
FX markup
0% FX markup on its Global Bank Transfers and cross-border collections
4% above PayPal's base exchange rate when converting balances or payments received
Collection method
Local bank-transfer and invoice-based collections
PayPal international commercial payment flow
Currencies
Global collection accounts across 33+ currencies and 180+ countries
Multi-currency international payments
INR settlement
Within 24 hours
Automatic bank transfer; PayPal says to allow up to 5 business days for funds to appear
FIRA
Automatically generated on every eligible payment
Weekly consolidated Digital FIRA
EDPMS and eBRC
Built into PayGlocal's export-compliance workflow
Not publicly advertised as part of PayPal India's merchant offering
International invoicing
GST-compliant invoices with automatic reconciliation
Invoicing available
EEFC account linkage
Supported for eligible MCA merchants. Settle directly into your EEFC account in the original foreign currency
Not supported. Linked Indian bank accounts must be in the local currency (INR)
Customer support
Dedicated account manager, plus 24x7 email, phone and ticket support
General Help and Message Centre, phone support depending on the issue and account

Pricing, at full transparency

A percentage grows with your invoice. A flat fee does not.

PayGlocal
PayPal
$10
up to $2,000
4.40% + fixed fee
For receiving international commercial payments in India. Applicable currency-conversion charges may also apply.
$18
from $2,000 to $7,500
Currency conversion charges may apply
Additional conversion-related charges may apply depending on the transaction.
0.25%
above $7,500
Funds take up to 5 business days to settle
PayPal's own guidance for funds to appear in your bank
0%
FX markup, no wire charge, no monthly minimum, no setup fee

See what the difference could mean for your business

Invoice
PayGlocal
PayPal
You keep
$1,000
$10
$82.53
$72.53
$2,000
$10
$164.77
$154.77
$5,000
$18
$411.49
$393.49
$10,000
$25
$822.69
$797.69
$20,000
$50
$1,645.09
$1,595.09
$50,000
$125
$4,112.29
$3,987.29

PayPal's column is their published 4.40% plus fixed fee for receiving international commercial payments in India, plus their 4% currency-conversion markup. PayGlocal's column converts at the live mid-market rate, so there is nothing to add to it.

Ready to adopt a simpler way to collect globally, at a fraction of the cost?

Our Edge

Global payments that behave like domestic ones

International collections, without making every payment feel international.

Where PayGlocal wins

Four things that change once the collection journey is one product rather than four.

With PayGlocal Global Bank Transfer, your overseas client pays through their country's local bank rails instead of sending a traditional international wire. You get local collection details across supported currencies. No SWIFT routing, no intermediary-bank deductions, no correspondent-bank surprises, and an easier payment for your client. International collections, without making every payment feel international.

What you see should be what you convert at. PayGlocal Global Bank Transfer uses live mid-market FX rates with zero FX markup, one transparent collection fee, and rate visibility before settlement. PayPal charges 4% above its own base exchange rate when converting. No hidden charges between your payment and your payout.

Once the payment is collected and converted, PayGlocal settles it directly into your Indian bank account within 24 hours. Payments are pre-matched to invoices, which simplifies reconciliation before the money even reaches your books. PayPal transfers balances automatically but advises merchants to allow up to 5 business days, depending on the bank's clearing process.

International payments raise questions around collections, settlements, reconciliation and compliance, and you do not have to figure them out alone. A dedicated account manager who understands your business and payment setup, 24x7 support over email, phone or ticket, and help across day-to-day payment operations. When a payment needs attention, you should know who to call.

Founder growing an international business with PayGlocal
180+
countries on local rails

Switching over

Moving across takes about 24 hours

1

Onboard

KYC and documentation, typically cleared in 24 hours.

2

Get set up

Get your local collection details across supported currencies.

3

Go live

Share them with your overseas clients and platforms, then update your invoice templates.

You keep your clients, your invoice history and your compliance trail. FIRAs already issued stay downloadable from wherever they were issued.

Bring us your numbers

Average invoice size, monthly volume, and the currencies you collect in. We will model both options against your actual revenue and tell you if the answer is not us.

Book a pricing callSee the full rate card
Business owner reviewing their revenue
PayGlocalPricing model
Average invoice size
Monthly volume
Card vs bank transfer split
Your real cost, modeled
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Ready to collect globally at a fraction of the cost?

Send us last quarter's invoices and we will price both, line by line, against what you actually raise.

See pricing

Frequently asked questions.

PayGlocal Global Bank Transfer pricing starts at 0.25% all-in for eligible international collections. PayPal's published standard fee for receiving international commercial payments in India is 4.40% + a fixed fee, with a further 4% markup applied when they convert. The products use different payment rails: PayGlocal Global Bank Transfer is designed for bank-transfer and invoice-based collections, while PayPal provides its own international commercial payment flow. Actual costs depend on payment amount, currency and applicable charges.

No. PayGlocal Global Bank Transfer uses live mid-market FX rates with zero FX markup. Its collection fee is shown separately, giving businesses clearer visibility into what they will receive.

You receive local collection account details in supported currencies and share them with overseas clients or supported platforms. Your customer sends a local bank transfer, PayGlocal converts the funds to INR and the money is settled into your existing Indian bank account.

PayGlocal supports local international collections across 33+ currencies, depending on the collection route and account availability.

No. It is a multi-currency collection account that provides local receiving details for supported currencies. Funds are ultimately converted and settled into your existing Indian bank account.

No. PayGlocal Global Bank Transfer is designed primarily for bank-transfer and invoice-based international collections. PayGlocal's payment gateway is a separate product for accepting cards, wallets and alternate payment methods at checkout.

PayGlocal states that eligible international collections are settled into your Indian bank account in INR within 24 hours.

PayGlocal automatically generates FIRA for every eligible payment at settlement. PayPal provides a free Weekly Digital FIRA that consolidates eligible foreign inward transactions for that week. PayPal also offers a separate Custom FIRA process for individual requirements.

Yes. PayGlocal's Global Bank Transfer workflow includes FIRA generation, IRM transmission, EDPMS closure and eBRC generation from DGFT for applicable export transactions.

PayGlocal supports collections and payouts from platforms including Amazon Global Selling, Upwork, Fiverr, Shopify and other supported marketplaces and freelance platforms.

No. The Multi-Currency Account is designed for bank-transfer and invoice-based collections. Businesses that need international card, wallet or alternate payment-method acceptance can use PayGlocal's separate payment gateway product.

Yes. PayGlocal holds RBI Payment Aggregator - Cross Border authorisation for both inward and outward flows (PA-CB-I&O). Its Multi-Currency Account collections operate under that framework.

Your next international payment can land differently. Setup your PayGlocal Multi-Currency Account in 10 minutes.