Discover infinity
Posted on Apr 1, 2025
You’ve put in the hours, shipped the goods, delivered the project—now it’s payday.
But instead of seeing that money hit your account, you’re stuck refreshing your bank app, wondering where it went.
If you’re an Indian freelancer or exporter working with US clients, receiving payments shouldn’t feel like a game of hide and seek.
But with high fees, slow processing, and confusing forex deductions, it often does.
Let's get to the bottom of it—how to get paid quicker, safer, and with fewer losses.
Why US to India Transfers Are a Big Deal for Indian Freelancers & Exporters
If you are working with American clients, then you already understand that it's one of the most profitable markets for Indian experts. But being paid hassle-free is another thing.
Why is this important?
The US is one of the best-paying places for Indian freelancers.
Recurring invoices and milestone payments require a secure transfer process.
Delays or surprise charges can cut into your profits.
The correct payment option can be the difference-maker.
Related: Best Way to Receive International Payments in India
What Options Do You Have to Receive USD in India?
If you're fed up with slow payments or surprise reductions, you're among companies. Here's a breakdown of your choices.
1. PayPal – Convenient, But Expensive
Widely used by US clients, but with high transaction fees.
Exchange rates are uncompetitive, reducing your profit.
Not best suited for large transactions because of withdrawal limits and delay.
2. SWIFT Bank Transfers – Secure, But Slow
Best for large value transactions, but three to five business days are required.
Banks apply their own currency exchange markup, diminishing your net amount.
3. Freelancer Platform Wallets (Upwork, Fiverr, etc.) – Convenient, But Limited
Built-in into platforms, easy to withdraw.
Higher fees, slower settlements, and lesser control over your money.
4. Multi-Currency Business Accounts (Such as Infinity) – Quick & Efficient
Enables you to get USD payments in a multi currency account directly.
Improved exchange rates, quicker settlements, and complete RBI compliance.
Related: Top 5 PayPal India Alternatives for International Payments
Forex Fees, Mid-Market Rates & The Actual Price
Wondering why you're getting less money than you were expecting? Let's get into it.
1. Mid-Market Rate vs. Markup
The mid-market rate is the actual exchange rate employed across the world.
Banks and platforms charge their own markup, cutting into your end payout.
2. TCS & Other Deductions
Certain transactions incur Tax Collected at Source (TCS) as per RBI regulations.
There could be further intermediary bank charges cutting into your earnings.
A clear forex rate means you receive the highest value from each payment.
Related: Know Forex Mid-Market Rate – Why It Matters
Freelancers, Here’s Why You Shouldn't Depend Only on PayPal or Upwork Wallets
If PayPal or Upwork is the sole payment method you use, you're likely leaving money on the table.
Why?
Commissions gobble up your earnings.
Withdrawal limits limit how much you can move.
Delayed settlements create difficulty in budgeting.
No RBI compliance, which can cause tax hassles.
A multi-currency business account like Infinity provides you more control and fewer costs. Infinity charges you with only 0.5% transaction fees(inclusive of all taxes). You receive your international payments within 24 hours and with instant FIRA.
Related: How Infinity Helps Freelancers with Cheap and Seamless International Payments
Exporters, Here’s Why You Should Consider Switching From Traditional Bank Transfers
For exporters, weeks-long wait times for payments are the norm—but they don't have to be.
Traditional Bank Transfers vs Infinity
Exporters require a solution that provides real-time tracking, improved forex rates, and quicker settlements.
Related: Mastering Export Documentation and Compliance for Indian Businesses
Final Checklist Before You Ask for USD Payment
Ensure everything is in order before asking for an international payment.
Share your RBI Purpose Code – Necessary for correct remittance classification.
Include your invoice number – Facilitates transparency and quicker processing.
Utilize platforms that facilitate automated FIRC/e-BRC – Assists with compliance and tax filing.
Related: What Are RBI Purpose Codes for Inward Remittance?
How Infinity Simplifies US to India Payment Collection
Infinity makes international payments a breeze, getting freelancers and exporters paid sooner.
How it works:
Sign up in minutes – Easy sign-up, no form fillings.
Open a US bank account – Get paid directly from US clients.
Instant INR settlements – No delay, no surprise deductions.
Completely RBI & FEMA compliant – Automatic tax and regulatory compliance with instant FIRA.
Related: Set Up Multi-Currency Business Account in Minutes with Infinity
FAQs
How can Indian freelancers receive money from US clients?
Freelancers can use PayPal, SWIFT transfers, or multi-currency accounts like Infinity for faster and cheaper international transactions.
What’s the fastest way to receive USD in an Indian bank account?
Multi-currency account like Infinity offers the quickest settlements, often within 24 hours.
Which platform offers the lowest fees for US to India payments?
Platforms like Infinity provide mid-market forex rates and transaction fees of 0.5% which is the cheapest compared to traditional methods.
