PayGlocal vs Xflow: Compare Cross-Border Payment Pricing

Short answer

It depends on how your money actually arrives.

Xflow is built for exporters who send few large invoices. It does that job equally well.

PayGlocal covers invoices too, and everything else. If any of your money comes in through a checkout, renews every month, or moves inside India, an invoice platform cannot process it.

On price, Xflow asks you to pick a plan. We have one rate card, with more than 50% savings on your MDR deductions.

PayGlocal vs Xflow at a glance

Pricing

One simple rate card

Three plans: Starter, Growth, Scale

Fee up to $2,000

$10

$12 or $20, depending on plan

Fee at $5,000

$18

$30 or $20, depending on plan

Fee at $10,000

0.25%

0.6% or 0.4%, Scale is custom

Card payments

Subscriptions on international cards

Apple Pay and wallets

Domestic payments

Multi-currency collections

Yes, 33+ currencies

Yes, 25+ currencies

FX markup

None

Settlement time

T+0

T+1

ERP integration

Yes, Zoho Books, Odoo, Tally

eBRC / EDPMS

Pricing

The plan you pick is the real cost

$10

up to $2,000

Starter

$12 up to $2,000, then 0.6%

$18

from $2,000 to $7,500

Growth

$20 up to $5,000, then 0.4%

0.25%

above $7,500

Scale

custom, for invoices above $10,000

The same invoice, priced three ways

Invoice

Starter

Growth

$1,000

$10

$12

$20

$2,000

$10

$12

$20

$5,000

$18

$30

$20

$7,500

$18

$45

$30

$10,000

$25

$60

$40

$25,000

$62.50

$150

$100

Most businesses have a spread of invoice sizes, not an average. A plan priced for your big invoices overcharges your small ones, and the other way round. One rate card removes the problem.

Their Scale plan is quoted individually, so invoices above $10,000 need both numbers side by side. We are happy to be compared.

Honest fit check

We are not the only right answer for everyone

When Xflow is the better call

Choose Xflow if all of this is true.

All your revenue arrives as few large invoices, with no cards and no subscriptions
You want compliance paperwork handled as a chargeable service
Your invoices are large enough that a custom quote is the number that matters

If large invoices are your main problem and smaller invoices or cards are irrelevant to you, Xflow is a fair choice.

Collecting an international invoice payment

Where PayGlocal wins

Pick PayGlocal if any of this sounds like you.

On a plain bank transfer into a multi-currency account, both platforms do the same thing: local collection rails, mid-market rate with no FX markup, INR settlement, FIRA attached. Nothing about the money movement differs. The fee does. Ours is lower at every published slab, and the rate card is the whole cost. Same collection, same rails, same FIRA, less taken out of it.

An invoice platform can accept a transfer. It cannot authorise a card, run 3DS, retry a soft decline, or route a transaction to a second acquirer when the first one fails. PayGlocal runs a full checkout that does all four. Xflow does not. If your buyers pay by card, that money has nowhere to land.

Standing instructions on international cards are hard, and most cross-border collection tools do not support them. Xflow is one of them. PayGlocal supports SI on international cards, which is what a SaaS plan, a monthly retainer or a membership actually needs: recurring on the rails themselves, not an invoice reminder in someone's inbox.

The most expensive payment is the one that fails. One PayGlocal merchant moved from 75% to 95% approval on international cards. On $100,000 of monthly attempted volume, that is $20,000 a month that used to fail silently, which no fee comparison on any pricing page will show you.

PayGlocal holds RBI authorisation as a Payment Aggregator Cross Border for both Inward and Outward, and as an Online Payment Aggregato. Payments from Indian customers run alongside your international ones: one provider, one onboarding, one reconciliation. Xflow is cross-border only, so cards payments – international or domestic means signing up a second provider and reconciling across both.

Founder growing an international business with PayGlocal

Full checkout

3DS, retries, acquirer routing

Switching over

Switch in about 24 hours

Onboarding clears in about 24 hours.

Onboard

KYC and documentation, typically cleared in 24 hours.

Get set up

Update your invoice templates and your checkout integration.

Go live

Tell your clients once, then switch off the old provider.

Old FIRAs stay where they were issued.

From the blog

Learn how businesses go global with PayGlocal

Send us your invoice spread, not your average

How many invoices in each size band, how much arrives on a card, what renews. We will price both and tell you if we are not the answer.

See the full rate card

Frequently asked questions.

At every published slab, yes. A $1,000 invoice costs $10 with us, $12 on Xflow Starter and $20 on Growth. A $5,000 invoice costs $18 with us, $30 on Starter and $20 on Growth. Their Scale plan is custom quoted, so larger invoices need both numbers compared directly.

No. Xflow collects by bank transfer into virtual accounts. There is no card checkout, no wallets and no recurring billing on international cards.

Yes, and some do while switching. Most consolidate within a couple of quarters, because two providers means two reconciliations and two support queues.

PayGlocal, in almost every case. SaaS revenue is recurring and card-led, and neither runs on an invoice platform.

FIRA (Foreign Inward Remittance Advice) is proof that an export payment came in from abroad. You need it for GST refunds and export compliance. Both platforms issue it automatically at no extra charge.

PayGlocal vs Xflow: one simple rate card, or three plans to choose between