Product

About the Xflow

Xflow is an India-based cloud payments platform designed to help businesses receive international payments quickly, transparently, and compliantly. It offers virtual foreign currency accounts in 30+ currencies, allowing customers to pay via local bank transfers like ACH and SEPA with payments settled to INR or EEFC accounts in India. Key features include automated digital eFIRA/FIRC certificates issued within 24 hours for regulatory compliance, branded invoicing with payment options and auto-reminders, real-time FX rates with zero markup, and AI-powered FX forecasting for optimal conversion timings. The platform supports payments from the USA, Europe, Australia, Singapore, and more, providing fast settlement typically within 1-3 business days. Xflow integrates with accounting tools such as Zoho Books and ensures comprehensive compliance with RBI and international regulations. Its infrastructure is ISO 27001 and SOC 2 certified, and transactions are secured and compliant.