Accept Payments

International Payment Gateway - Accept international payments in India

Now collect payment seamlessly. 100% secure & trusted. Used by 10k+ freelancers and agencies.

Interested? Please fill out this form.

We won’t spam you, we promise!
Only 1 member from our team will get in touch (if required)

5000+ Indian businesses collected payments through us last week

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How International Payment Gateway Works?

Easy Registration
Easy RegistrationInstant signup with Google one tap or using email address. No setup fee. No conditions.
Verify Your Identity
Verify Your IdentityComplete your KYC by submitting the necessary documents like PAN, Aadhar or any other address proof.
Enable Online Payment Option
Enable Online PaymentsCreate an invoice, enable the online payment options, and send it to the client.
Payment Received
Get PaidOnce the client paid, you receive the amount in INR directly to your bank account.

Lowest Fee to Collect International Payments

Most Trusted Payment Gateway for Individuals & Freelancers to Accept Payments in IndiaNo Hidden Charges. No amendment fees. No Forex Charges.
Bank Account Option
1.5% or lessWhen payment done via ACH or wire transfer.
Credit and Debit Card Online Payment option
4% or lessWhen payment done via Debit or Credit card.
The above rates are inclusive of Taxes.

Why International Payment Gateway?

No Forex LossOur forex rates are better than what you see on google or in your favorite bank.
Multiple Currency and Country supported on quotation template
90+ CountriesWe support all major currencies like USD, GBP, EUR, SGD, and from other 90+ countries.
Easy Process
Easy KYC ProcessEasy to enable the online payment options and receive the amount in your bank account with a simple KYC process.
low transaction fee
Lowest FeeWe charge as small as possible without any conditions, hidden charges, or setup fees.
Payment options
ACH & Card PaymentThe client gets multiple payment options which include ACH, bank transfer, wire transfer, debit, and credit card. ACH is as good as bank transfer for the local payer.
faster payouts
Faster PayoutsT+2 settlement for 80% transaction which is best in the industry.
Safe Secure Data
Data ProtectionAll the payment collected via Refrens is secured and we maintain full transparency of transactions.
Live Chat Support
Live SupportWe are always available to support you via email and live chat.

Happy Customers

It's simple to use for repeat invoices. Easy to collect online payment.
AniketOwner, Spaceplexx, Coworking Space
Taxes always confused me while creating Invoices. Refrens takes all of that away.
RubitaFreelance Developer
Collecting USD payment was always painful for us. It’s a breeze with Refrens.
NayanFounder, Sugoi Labs, Software Services Agency
I was scared of learning a new online tool but Refrens is pretty smooth. Lots of automation of repetitive tasks.
LinkeeFreelancer, Content Writer
Candidate Sourcing - Riday S
Being a Global recruitment consultant, one of the biggest pain points was receiving international payments, now no worry about it anymore after using Refrens payment gateway.
Riday SopariwalaFounder, TalentSourcers, Sourcing-As-A -Service

Frequently Asked Questions (FAQ)

Are there any hidden charges?

None. There are no hidden charges. We only charge a small payment gateway fee, if you wish to collect payment online through Refrens payment gateway.

Are all international currency allowed?

Yes. We support all popular currencies like USD, GBP, EUR, SGD and many more to accept the international payments.

What are the charges of international payment gateway?

We are charging as little as possible with 0% forex charges. If your client pays via wire transfer or ACH then we charge 1.5% or less, whereas if your client pays you via debit or credit card then we charge 4% or less and all these rates are inclusive of tax.

What is the settlement day for the international payment?

Payouts to your bank account will take 2 business days from the date of transaction. If client do the transaction today (Nov 09), the amount will be paid out to your bank account on (Nov 11).

Is Refrens really free?

Yes. The invoice creation and management is completely free. There is no registration or a monthly fee of any kind. We only charge for payment gateway when you choose to collect payments through us for debit cards, credit cards, or wallets.

How does bank account verification work?

We initiate the process of verifying your bank account after we have received a payment for any of your invoices. Once your account is verified, we initiate the payouts automatically, subject to clearance from bank.

If you are not receiving payments through us, we do not verify the bank account.

What are the compliance requirement for international payments?
  • A copy of your PAN card, central govt. issued address proof (AADHAAR or Passport). If you are a registered business then registration certificate.

International Payment Gateway for Individuals to Accept Cross Border Payment

Now it becomes easy for freelancers, individuals, professionals, self-employed, small businesses, or any registered businesses to accept payments from anywhere, anytime in India.

Refrens introduced a payment gateway solution for individuals and registered businesses in India.

Refrens has the most competitive rates when it comes to accepting international payments. We charge around 1.5% or less including Tax.

The payout on is done in 2 business days (Transaction day + 2 business days) which is among the shortest turnaround times in the industry. We disclose the complete payment process to our clients to be fully transparent of the whole process.

The lowest rates, shortest TAT, and full transparency make Refrens the best payment gateway to receive international payments in India. And, creating invoices, quotations and estimates via estimate maker etc. is completely free on Refrens. Use it to create invoices and receive payment internationally to show professionalism to your clients at the lowest possible cost.

Complete International Payment Gateway Provider for All Type of Businesses

  • Freelancers

  • Self-Employed

  • Small Businesses

  • Education Business

  • Export Business

  • Selling Online Course

  • Entertainment Business

  • Individuals

  • Agencies

  • Developers

Benefit of Using International Payment Gateway

  1. Accept Payment from Anywhere, Anytime - With Refrens, you can send invoices from anywhere in India and can accept payment without any hassle.

  2. Shortest Settlement Time - In Refrens, we provide the best turnaround time to our users by settling the amount in T+2 business days.

  3. No Integration Required - Simply complete your KYC and start accepting the payment. No need of 3rd party integration or any application.

  4. Highly Secured Payment - Every payment made by the client is protected and highly secured with SSL.

  5. Accept Multiple Cards - We accept all major cards which include Visa, Mastercard, Amex, and many others.

  6. Cheap & Transparent Pricing - We charge 1.5%(inclusive Tax). No Hidden Charges. No Conditions. Minimum Forex Charges.

  7. Unlimited Invoices - Create, manage and track unlimited Non-GST and GST invoices for free.

  8. Accept Advance Payments - Easy to accept advance payments by simply enabling the online payment options.

  9. Accept All Currencies - We support all major currencies which include USD, EUR, GBP, SGD, and other currencies. Complete List

How to Receive International Payment in India through Payment Gateway?

You can accept international payment from Refrens in 5 simple steps:

  1. First, fill up the above form and one of our team members will reach out to you via call or email and simply complete your normal KYC by sending your details like PAN card, Aadhar Card, and your business details to Refrens compliance team will verify your KYC. You will get the verification email.

  2. Once the verification is done, the second step is to create an invoice via invoice maker for your international client which is totally free on Refrens. You can create unlimited invoices for free with invoice templates. No Sign-Up fee. No Hidden Charges.

  3. When creating an invoice add your bank account and enable the online payment options. Send the invoice to your client through Email or by sharing the link of the invoice.

  4. Your client pays the amount online just like it does on any e-commerce site. No need for signup. Your client can simply click on the link and initialize the payment.

  5. After the payment is done by the client, Refrens verify the bank account and transfer the amount to your account with T+2 business transaction days.

Payment Gateway Compliance Requirement to Accept Overseas Payment

  1. A copy of your PAN card. Please make sure the name on the PAN card is the same as that in your bank account and Refrens account.

  2. A central govt. issued address proof - a copy of AADHAAR or Passport. The same should be used to create invoices.

  3. If the name in the bank account is that of a proprietorship firm, please share a business registration document establishing a relation between the PAN cardholder and the name on the bank account. (only for registered businesses)

  4. Website(If any) or LinkedIn profile or freelance profile links of your business or services. (for individuals & freelancers)