Invoicing and international payments · India
Work with clients abroad. Get paid at home.
Send your client an invoice they can pay from their own bank. No account for them to create. Raise your first invoice by 31 December 2026 and you keep 0% FX and no fees for as long as the account is open.
- 0% FX. No fee.*
- Free FIRA, your Foreign Inward Remittance Advice, for payments to India.
* For accounts that register and raise at least one invoice by 31 December 2026. Gruv adds no markup to the exchange rate and absorbs the transfer cost. Offer terms.
$5,000 USD
The cost of getting paid
What payment costs look like on $5,000 a month.
Fees can appear as a visible charge, in the exchange rate, or both. On $5,000 a month, even a one-point difference adds up over a year.
Cost of getting paid, each month and over a year
- If fees and FX total 1%
- ₹4,800 a month · ₹57,600 a year
- If fees and FX total 2%
- ₹9,600 a month · ₹1,15,200 a year
- If fees and FX total 5%
- ₹24,000 a month · ₹2,88,000 a year
- Gruv launch offer · 0% FX, no fee
- ₹0 a month · ₹0 a year
With Gruv
The rate you see is the rate you get.
A transfer can cost more than the fee you see if there’s a markup in the exchange rate. Gruv adds no markup and covers the transfer cost. Before you confirm, your quote shows the exchange rate and the amount you’ll receive in rupees.
See what your client getsFor your records
Free FIRA for your India payments.
Your FIRA confirms the overseas payment. It’s included at no extra cost for payments to India. Keep it with your invoice or share it with your accountant when you’re sorting your accounts.
FIRA
Foreign Inward
Remittance Advice
Included at no extra cost
Make it easy for your client
Your client shouldn’t need another account just to pay you.
Send the payment link in the conversation you already have. Your client opens the invoice, finds the bank details and pays from their bank. There’s no Gruv signup in the way.
From Asha Rao · INV-026
$5,000 USD due
- Payment method
- Bank transfer
- Payment reference
- INV-026
- Bank
- ••••
- Account
- •••• ••••
INV-026 tells the payment partner which invoice the transfer is for.
After “I’ve paid”
Your client says they’ve paid. Here’s where to check.
Open the invoice to check whether the payment has arrived. Once it’s in, choose your bank account and review the transfer. The payment record sits on the invoice, so the reference is at hand if you need to follow up.
Northstar Studio · INV-026
$5,000 USD invoiced
- Received from Northstar
- Matched to the invoice
- Next step
- Review the transfer to Asha’s bank
Transfer destination
Asha’s bank in IndiaYour questions
Before your first payment.
Can I use Gruv with clients I already have?
Yes. Add the client and invoice them for the work you’ve agreed on. You don’t need a company to invite you to Gruv.
Does my client need a Gruv account?
No. They can open the payment link and pay using the bank details on the invoice page.
Where can I check what I’ll receive?
In the transfer quote, when you choose your bank account. It shows the exchange rate and the amount that will reach your bank before you confirm. Gruv adds no markup to the rate and absorbs the transfer cost.
Is FIRA included?
Yes. Your FIRA for payments to India is free. It gives you a document confirming the overseas payment to keep for your records.
Who handles the money?
Licensed payment partners hold the funds and make the transfers. Gruv keeps your invoices and shows each payment against the invoice it belongs to. You’ll see the partner’s details during payment setup.
What if a payment is taking longer than expected?
Check the payment record and have the transfer reference ready when you contact support. It helps the team find your payment.
Send your next invoice through Gruv.
Create your account and add your client. You can prepare a draft while we check your identity and bank details. Your freelancer account is called Talent in the app.
Outside India? Tell us your country and we’ll tell you what works today
Paying freelancers instead? See Gruv for Business