Xflow

Cross-border payments simplified. 🚀

[Xflow @xflowpay]

Simplified cross-border payments for Indian businesses, just the way they should work.

Mid-market FX rates. Automatic FIRA. 1-day settlement. No transaction limits.

12,000+ customers. 140+ countries supported. Learn more: https://t.co/pO937BVRin

[Xflow @xflowpay]

We now have in-principle PSP approval from IFSCA at GIFT City🙌

This one comes as the newest feather to our cap: PA-CB. PA-Online. MSB in the US and Canada. And now GIFT City.

The infrastructure is coming together.

Latest coverage by @CNBCTV18Live

https://t.co/fgqj8xbUq8

[Ashwin Bhatnagar @abhatnagar]

May was a solid month at @Xflowpay

Our platform segment hit an all-time high. We now have platforms processing double digit millions in a single month.

Pipeline looks strong. GTM is fully staffed. The engine is running. Couldn't be more proud of this team❤️

[Xflow @xflowpay]

Great coverage from @EconomicTimes on why it matters:

https://t.co/Di2NqZVYpT

[Xflow @xflowpay]

India's services exports hit $387.5B in FY25.

But the payment infra moving that money is still largely built for a pre-digital world.

That's changing with PA-CB framework, Vostro-based collection models, local payment rails.

[Xflow @xflowpay]

Learn more here: https://t.co/y1xbSILats

[Xflow @xflowpay]

The dollar rate on Google and the rate your business actually gets are two different numbers.

Most Indian exporters don't know this and it's costing them lakhs every year.

Here's how it works

[Xflow @xflowpay]

The fix is straightforward:

1. Check the mid-market rate before every conversion
2. Ask your payments provider what their markup is
3. Look for platforms that show you the exact INR you'll receive before you convert — not after

[Xflow @xflowpay]

Here's more: https://t.co/fQEoHzE4Ny

[Xflow @xflowpay]

A compliance company with opaque, unpredictable payments infra.
The irony wasn't lost on them either.

ComplyJet moved to Xflow. 50% FX savings, zero hidden charges, limit rate execution during volatile periods.

Revenue-critical flows deserve better than "we'll see what lands."

[Xflow @xflowpay]

This isn't a technology problem. The technology exists.
It's a trust, compliance, and infrastructure problem that built up over decades of systems that were never designed to talk to each other in real time.

We're fixing that with Xflow.

[Xflow @xflowpay]

"Instant payments" means something very specific in India.
UPI transfer: 2 secs. Confirmation immediate and both parties aware.

Money crossing borders? Same expectation but completely different reality.
Your payment touches multiple correspondent banks. Each is a potential delay

[Xflow @xflowpay]

Compliance checks happen in multiple jurisdictions. FX conversion adds another layer. Settlement timelines depend on cut-off times, banking hours, and intermediaries you never see.

"Instant" becomes "sometime today. Maybe tomorrow. We'll let you know."

[Xflow @xflowpay]

Every international payment into India requires a FIRA, a document your finance team needs to close books and file GST.

Most banks take days or weeks to issue it. With Xflow, it downloads in one click.

This should have always been the standard.

[Xflow @xflowpay]

Team dinner update: food was great, vibes were immaculate, someone opened a laptop (guess who?🧐)

[Xflow @xflowpay]

Platforms don't just need payment processing. They need infrastructure that scales with them.
That's why XPay partnered with XFlow from day one.
https://t.co/3eKaGWEVSw

[Xflow @xflowpay]

“I would highly recommend Xflow, especially for platforms. Their product is top notch and one of the best in the market. It gave us more predictability in our settlements and made our life easy operationally.”

- Aniket Gupta, CEO at xPay

[Xflow @xflowpay]

@andybals @fintech_diaries Tune in now: https://t.co/ZdjnrwbXoR

[Xflow @xflowpay]

Domestic payments in India: instant, trackable, invisible in complexity.
Cross-border payments: days of waiting, zero visibility, endless compliance friction.

@andybals broke down why that gap exists, and how it closes, on @fintech_diaries.