New

Receive payments from international customers via cards, and get the money directly in your bank account. Know More

Export Compliance Platform

Stay Compliant.
Let HiWiPay Manage
the Process.

Manage your complete export compliance journey from IRM to e-BRC, in one platform. HiWiPay brings these workflows together in one digital platform.

ComplianceDashboard

Important RBI-FEMA Update

New Export Declaration Form (EDF) requirements take effect from 1 October 2026 and will be mandatory for exports compliance. HiWiPay helps you file and stay compliant.

Important RBI-FEMA Update

New Export Declaration Form (EDF) requirements take effect from 1 October 2026 and will be mandatory for exports compliance. HiWiPay helps you file and stay compliant.

From Complex
Processes to
One Simple Workflow

image 4

Our team will help you through the entire process.

package alt svgrepo com 1 1

Start Your Export

Share your shipment & export documents with us.

Group

We Coordinate Everything

We coordinate with banks, DGFT & Customs for you.

页面 1

We Handle Compliance

We manage your IRM, EDF & EDPMS requirements.

bank 2 svgrepo com 1

We Complete the Closure

We handle regularization and close your export process.

Vector 1

Get Your e-BRC

We complete the process and get your e-BRC ready.

Built for Every Exporter

HiWiPay is designed for goods and service exporters, from growing businesses to large enterprises managing high volumes of export transactions.

Icon 1

SMEs & Growing Exporters

Simplified compliance for businesses scaling their international trade operations.

Icon 2

Goods Exporters

Manage IRM, shipping bill coordination, and EDPMS for physical goods exports.

Icon 3

Service Exporters

Export compliance management for software, consulting, and professional service exporters.

Icon 3

Enterprise Exporters

High-volume multi-client compliance management for large export operations.

Manage Multiple Clients from Single Platform

A

Acme Textiles Ltd

e-BRC Pending

G

Global Pharma Exports

EDPMS Closure

T

TechSoft Solutions

e-BRC Generated

E

Eastern Spice Exports

IRM Creating

Managing 4 clients · 12 active exports · 28 total transactions

For Professionals

A Compliance Platform for Professionals

HiWiPay can also be used as a multi-client compliance platform by professionals and ecosystem partners managing export processes for their customers.

Frequently Asked Q uestions

01

Export Declaration Form (EDF)

02

Bank

03

Inward Remittance Message (IRM)

04

Export Data Processing and 
Monitoring System (EDPMS)

05

Electronic Bank Realisation 
Certificate (e-BRC)

1.1. What is EDF?

The Export Declaration Form (EDF) is a mandatory document submitted to your authorized bank to declare the value and details of goods or services exported from India under FEMA regulations.

Purpose: It acts as an official declaration to the Reserve Bank of India (RBI) that an export happened and foreign payment is expected.
Tracking: Every EDF opens a tracking record in the RBI’s Export Data Processing and Monitoring System (EDPMS).
Completion: The tracking entry closes only after the foreign payment arrives and your bank verifies it.
Benefits: Closing this entry generates an electronic Bank Realisation Certificate (eBRC),
which you need to claim export incentives.


The Export Declaration Form is used to report export transactions for foreign-exchange compliance.

EDF (Export Declaration Form) is important because it helps formally record and declare details of your export transaction. It forms part of the information used to track an export from the time goods are exported until the export proceeds are realised and the applicable compliance process is completed.

In simple terms:
Export declared → Export recorded → Payment received → Transaction reconciled → Compliance completed



EDF-related information can be important when matching the export transaction with the payment received and resolving or regularising pending export transactions.



HiWiPay helps you generate and manage EDF-based export information, payment reconciliation and regularisation workflows from one platform.

EDF requirements depend on the applicable RBI regulatory framework and the type of export. Under the updated regulations
effective from October 1, 2026, Export Declaration Form (EDF) requirements apply to both Goods and Services exports, with different processes and timelines depending on the nature of the export.

Incorrect EDF information can lead to mismatches, delays in processing or additional verification during the export compliance and regularisation process.

For example, incorrect information about:
Export value
Exporter or buyer details
Invoice details
Shipping/export details
Payment or realisation information may make it difficult to match the export transaction with the payment received.



If you identify an error, contact your AD bank or the relevant authority to understand the applicable correction or amendment process. Do not assume that an incorrect EDF will automatically be corrected.

EDF-based regularisation is the process of resolving pending or mismatched EDF export transactions and completing the applicable payment,
documentation and banking requirements so the export transaction can be appropriately regularised and closed.



Our platform helps organize the information and documents required for this process. The final acceptance or closure is performed by the relevant bank or authority.

Not exactly, Under the existing framework, the AD Category-I bank has the regulatory role in processing and reporting export transactions and can regularise certain export-related cases subject to applicable conditions.
RBI’s framework explicitly assigns various regularisation powers to AD banks. HiWiPay platform is technically connected with an AD Bank and the bank performs the regulatory action based on data/case submitted through HiWiPay

2.1. What role does my bank play?

Your Authorized Dealer bank, commonly called an AD bank, handles the foreign-exchange compliance side of your export transaction.

Depending on the transaction, the bank may:

  • Receive or process inward remittance information.
  • Generate or make available the IRM.
  • Match payment with the export transaction.
  • Review invoices and supporting documents.
  • Update or regularize entries in EDPMS.
  • Generate or support e-BRC generation.
  • Ask for clarifications or additional documents.
  • AD Category-I banks maintain export records aligned with EDPMS.

The requirements vary, but common documents include:

  • Commercial invoice.
  • Shipping bill or export declaration.
  • Purchase order or contract.
  • Bank statement or remittance advice.
  • Foreign inward remittance details.
  • Delivery or service evidence.
  • Agreement or work order for services.
  • Foreign exchange conversion details.

Declaration or clarification for discrepancies.
Your bank may request additional documents depending on the transaction.

No.

Our platform helps you prepare, organize, track, and submit the required information to your bank. Your bank remains responsible for:

  • Verifying the transaction.
  • Accepting documents.
  • Processing the remittance.
  • Updating applicable banking systems.
  • Regularizing or closing eligible entries.
  • Generating or supporting the e-BRC process.

The official IRM is generated or made available through the applicable banking and reporting process.

Our platform can help you:

  • Capture IRM details.
  • Track IRM status.
  • Match IRM with invoices or EDF records.
  • Identify unmatched receipts.
  • Prepare information for bank submission.
  • Monitor pending bank actions.
3.1. What is an IRM?

An IRM (Inward Remittance Message) is a standardized electronic notification generated by your Authorized Dealer (AD) bank the moment foreign currency lands in your account from an overseas buyer.
Think of it as the bank’s official data record that tells regulatory authorities: “We have received a cross-border payment, and it belongs to this specific exporter.

It settles your legal liability: Under FEMA regulations, you must account for every dollar brought into the country. The IRM is the first step to clearing your name.
It enables export incentives: You cannot get an electronic Bank Realisation Certificate (eBRC) or claim GST refunds until your IRM is successfully matched and “knocked off” against your export documents.

Possible reasons include:

  • The bank has not processed the remittance.
  • The payment was received recently.
  • The remittance was received through another bank or provider.
  • The exporter name does not match.
  • The purpose code is incorrect.
  • The payment has been recorded against a different reference.
  • The bank needs additional documents.

Our platform helps identify the likely issue and prepares a follow-up checklist for your bank.

It may be possible in some situations, such as one payment settling multiple invoices, but the mapping must be acceptable to the bank and supported by proper documentation. Do not split or allocate an IRM without maintaining a clear reconciliation record.

Differences may occur because of:

  • Bank charges.
  • Exchange-rate variation.
  • Partial payment.
  • Deduction by the overseas customer.
  • Credit note.
  • Tax deduction.
  • Commission.
  • Short realization.

The bank may ask for a declaration, agreement, or supporting evidence before regularization.

4.1. What is EDPMS?

EDPMS means Export Data Processing and Monitoring System.
It is the system used to monitor export transactions and the realization of export proceeds.

EDPMS is an RBI-related export monitoring system, but exporters usually interact with it indirectly through their Authorized Dealer bank.
 Your bank reviews and updates relevant export records based on documents, payment information, and regulatory requirements. RBI’s guidance requires AD banks to update EDPMS as export proceeds are realized and generate e-BRC from EDPMS data

An EDPMS entry is outstanding when the export record has not yet been fully matched, realized, regularized, or closed.


This does not always mean that you have done something wrong. It may be caused by:

  • Payment not yet received.
  • Payment received but not mapped.
  • Missing documents.
  • Incorrect invoice or shipping bill details.
  • Partial realization.
  • Bank charges or short realization.
  • Amendment pending.
  • Buyer or payment-reference mismatch.
  • Bank processing delay.

The platform cannot independently close an official EDPMS entry unless the applicable official integration and bank process permit it.


We prepare and manage the workflow. The Authorized Dealer bank performs the applicable verification and closure.

EDPMS data affects the ability to demonstrate export realization and supports the e-BRC process.

5.1. What is e-BRC?
e-BRC means Electronic Bank Realisation Certificate. It is an electronic record or certificate showing that export transaction have been realized or reported through the banking channel and regulatory systems.
e-BRC helps exporters maintain evidence of export proceeds realised and may be required for certain DGFT-related export benefits, incentives or compliance processes, depending on the applicable transaction and scheme

Exporter: Provides and maintains the relevant export and transaction information.
AD Bank: Processes the applicable export proceeds and banking realisation information.
DGFT: Portal to generate e-BRC and uses the information for applicable foreign trade processes.
HiWiPay: Helps you track the export transaction and manage the workflow towards compliance closure.

HiWiPay helps you:

  • Track export transactions
  • Monitor payment realisation
  • Identify pending compliance actions
  • Track IRM and EDPMS-related workflows
  • Manage export regularisation cases
  • Monitor e-BRC status

HiWiPay helps simplify the journey from export payment realisation to compliance closure.

Typical records may include:

  • Export invoice.
  • Client agreement or work order.
  • Statement of work.
  • Proof of service delivery.
  • Foreign inward remittance details.
  • IRM information.
  • Bank statement or remittance advice.
  • GST invoice.
  • SAC code.
  • Purpose code.
  • EDF or applicable declaration.
  • Email or contractual evidence.
Yes, e-BRC will be applicable for Service exporters and also require for the purpose of tax, foreign-exchange, and export-benefit. The exact process depends on the service type, payment route, bank, and applicable rules.

You Manage Your Business.
We Manage the Process.

Let HiWiPay manage the complexity of export compliance while you focus on growing your global business.