Every freelancer eventually learns that getting paid isn’t about the project — it’s about the path. You might have delivered a world-class codebase to a Silicon Valley startup, billed $3,000 through Toptal, and received that cheerful “payment sent” email. But behind that line lies a maze of rails, banks, FX markups, and waiting periods that […]
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FIRC Timelines Compared: Bank Wire vs Wise vs Payoneer
Every international payment has two clocks. One tracks when your money lands. The other — quieter, more stubborn — tracks when your **FIRC** finally arrives. The first clock decides your cash flow. The second decides your compliance. Most Indian freelancers and exporters only discover that second clock when their accountant asks, “Where’s the FIRC for […]
Export SaaS Receipts: Stripe / Checkout vs SWIFT — Docs, FX & FIRC
For SaaS founders, few moments feel as satisfying as watching that first “Payment Successful” ping light up your dashboard. A global customer found you, used your product, and paid — instantly. But behind that smooth Stripe or Checkout animation, there’s a very different reality unfolding in the background. The money doesn’t really travel instantly. It […]
Purpose Code for Export Services: Fintech Payouts vs Bank SWIFT (What to Choose)
Somewhere in every Indian exporter’s inbox, there’s an old email thread titled “Purpose code missing — please clarify.” It usually arrives right after the payment. The client’s money has landed, but the compliance gods aren’t satisfied yet. You’ve done the hard work — pitched, delivered, invoiced — but now you’re learning that one small alphanumeric […]
Design / Creative Services: Client Pays via Wise vs Bank Wire — What’s Cheaper?
Every creative understands geometry — not the textbook kind, but the one that lives in motion. The symmetry between client and creator. The clean line between brief and delivery. The satisfying closure of payment received. Until that line bends. Your work travels from Delhi to Dublin, from Figma file to final invoice — and somewhere […]
Intermediary Bank Charges vs Fintech Flat Fees: Which Yields Better INR?
Somewhere between your client’s bank and yours, there’s a tollbooth.No signboard, no receipt ; just a silent collector that takes a few euros, dollars, or pounds from every payment that crosses its bridge. Banks call it intermediary charges. “Freelancers and exporters call it” “what happened to my money?” In an age where fintech can move […]
Best Way to Receive EUR for Indian IT Services (SEPA vs SWIFT vs Fintech)
The euro doesn’t behave like the dollar.It moves through different networks, follows different rules, and arrives in India with a personality of its own. For Indian IT service firms working with clients across Europe, that difference shows up not in code quality, but in cash flow.You can deliver a perfect sprint, ship every milestone on […]
FIRC vs FIRA: What You Actually Get — By Method (Fintech vs Bank)
Every payment leaves a trail — or at least it should.Somewhere between a client’s “payment sent” and your INR credit, the money collects not just dust in transit, but documentation.And in India’s export maze, that documentation is what decides whether your revenue becomes *recorded history* or an unverified rumour. Here’s the paradox: you can get […]
Best Way to Receive USD for Indian Freelancers (Upwork, Fiverr, Direct SWIFT)
There’s a quiet kind of experiment that plays out every week across India.A freelancer finishes a project for a client abroad — the logo ships to Berlin, the code runs in New York, the video streams in Dubai.Then comes the real test: getting paid. One week it’s an Upwork payout. The next, a Fiverr transfer. […]
Payoneer vs Bank Transfer Fees for Indian Amazon Sellers (INR Payouts)
Running an Amazon storefront from India isn’t a side gig anymore — it’s a full-time circus. You juggle listings, chase reviews, manage couriers, and still find time to restock that one SKU that suddenly went viral. And just when you think the show’s over, Amazon’s payout email lands: “Your payment is on its way.” Great […]