Every agency owner knows the quiet panic that comes with the first of the month. Clients pay on time. Emails confirm it. Yet the balance doesn’t move. You refresh Wise, check PayPal, call the bank, and wait. What should have been routine feels unpredictable again.
Retainers are supposed to be steady. Instead, they’ve turned into a coin toss. The same $10,000 can land at ₹8.5 lakh this month and ₹8.8 lakh the next. The work stays consistent, but your INR doesn’t.
HiWiPay was built to fix that, giving agencies a way to predict their cash flow without losing a single rupee to hidden spreads or delays
The Illusion of Convenience
Wise and PayPal promise ease, but they trade it for control. Their systems work on pooled conversion rates that shift throughout the day. Fees vary. Settlement time changes. You never really know what you’ll land until it’s too late to plan.
If your client sends $10,000, here’s how it plays out:
- PayPal: ₹85.3 average rate with a $50 fee.
- Wise: ₹87.7 rate with a 0.6% cut.
- HiWiPay: ₹88.7 live market rate with a transparent 0.6% fee.
That difference may look small, but over time, it adds up to entire salaries lost to friction.
HiWiPay doesn’t change how your client pays. It changes what you actually receive.
When Predictability Becomes Power
Agencies survive on rhythm. The problem isn’t just losing money. It’s losing stability. You can’t plan hiring or ad budgets if your income keeps shifting.
HiWiPay locks that down.
- You see the live conversion rate before settlement.
- INR is credited within hours.
- FIRC appears automatically with every payment.
- No hidden deductions, no support tickets, no follow-ups.
The result is peace of mind that your work translates cleanly into value.
Real Example, Real Control
A design agency in Bengaluru billing $25,000 a month switched from PayPal to HiWiPay. They used to see up to ₹40,000 in variance every cycle. After switching, that dropped to under ₹2,000. Every month, their INR matched the rate quoted on their dashboard.
It didn’t make their clients more punctual, but it made their payments predictable.
The Verdict
For agencies, convenience used to mean compromise. HiWiPay removes that tradeoff. It gives you a live rate, a flat fee, and immediate compliance, all in one system.
Predictable INR means predictable business. The faster you can trust your numbers, the faster you can move on to building things that actually matter.
About HiWiPay EXIM
HiWiPay EXIM is not just another payment processor. It’s India’s purpose-built export payment infrastructure designed for service exporters, agencies, SaaS founders, and freelancers who are tired of losing margin in translation.
Every transaction runs through a live mid-market FX engine that mirrors the global interbank rate—no internal buffers, no markups. Settlement happens within T+0 to T+1, and every inflow generates a digital FIRC automatically, mapped to your invoice and RBI purpose code.
Built by a team led by Dewang Neralla (ex-Atom Technologies, NTT Data Payments), HiWiPay’s system runs on JPMorgan Chase’s global banking rails with oversight from an ex-RBI director. This gives it institutional-grade reliability without the slow processes of traditional banks.
What you get isn’t just speed. You get a single platform that combines:
- Real-time FX conversion for USD, EUR, GBP, and 25+ currencies.
- Instant INR credit to any Indian bank.
- Built-in compliance for e-FIRC and e-BRC.
- Reconciliation and invoice-matching for accounting tools.
- Transparent pricing with no hidden spreads.
HiWiPay EXIM was created for exporters who treat money like data—meant to move, not wait.
