International PG cost = transaction fee + currency conversion markup + settlement charges. Headline fee se zyada asli cost conversion markup mein chhupa hota hai.
Bahut log is stage pe ya to galat jagah apply kar dete hain ya adhoore documents ke saath — dono se rejection aur score-damage hota hai. Sahi sequence neeche hai.
International gateway ki asli cost 4 layers mein hoti hai — aur providers sirf pehli layer advertise karte hain. Layer 1: transaction fee (jo headline mein dikhti hai). Layer 2: currency conversion markup — interbank rate ke upar jo % lagta hai; yahi sabse bada silent cost hai. Layer 3: settlement/withdrawal charges. Layer 4: occasional costs — chargeback fee, refund processing, monthly minimums, inactivity fees. Do providers compare karne ka sahi tarika: ek hi $1,000 ke payment pe 'bank mein kitne rupaye pahunchenge' calculate karo — sirf yahi number sach bolta hai.
Markup samajhne ka simple test: jis din payment settle hua us din ka interbank rate (Google/XE) dekho, aur apne actual credited rate se compare karo. Difference hi aapka markup hai. 1% markup vs 3% markup ka farak: $5,000 monthly volume par saal ke ₹1-1.2 lakh ka. Isliye negotiation bhi markup pe karo, transaction fee pe nahi — volume badhne par providers markup mein flexibility dete hain.
| Kya check karein | Kyun zaroori hai |
|---|---|
| Currency conversion markup | Asli cost yahan chhupa hota hai, headline fee mein nahi |
| Settlement timeline | Cash-flow planning iske bina impossible |
| Compliance documents | Pehle ready ho to onboarding days mein hota hai |
| Chargeback policy | International disputes ka window lamba hota hai |
| Cost layer | Kahan chhupi hoti hai | Kaise pakdo |
|---|---|---|
| Transaction fee | Headline — visible | Direct compare |
| FX markup | Rate ke andar | Interbank vs credited rate |
| Settlement fee | Payout terms mein | Fee schedule padho |
| Occasional | Fine print | Chargeback/refund/minimum poochho |
Maan lijiye (udaharan kalpanik hai): do freelancers, dono ko $2,000 mile. Pehle ka provider '2% fee' bolta hai lekin 3% conversion markup leta hai — total ~5%. Doosre ka '3% fee' + 0.5% markup — total 3.5%. Headline pe pehla sasta lagta hai; bank account mein doosra ₹2,500 zyada deta hai. Har mahine.
Sabse pehla step apni exact situation clear karna hai. International PG cost = transaction fee + currency conversion markup + settlement charges. WhatsApp pe apna scenario batao — hum free mein sahi direction dete hain, bina kisi fee ke.
Nahi — customer se koi fee nahi. Hum facilitation platform hain; partner se referral remuneration paate hain jo aapki cost nahi badhata. Final terms partner ke discretion par hote hain.
Documents complete hone par zyada cases mein kuch working days ka process hota hai — exact timeline partner aur profile pe depend karti hai. Hum realistic timeline pehle hi bata dete hain.
Nahi — koi bhi genuine platform approval guarantee nahi kar sakta. Approval regulated partner ke assessment par hota hai. Jo guarantee ka dawa kare, wahan se door raho — ye fraud ka sabse bada signal hai.
Haan — meaningful volume ($3-5k+/month) pe markup aur fee dono mein flexibility milti hai. 6 mahine ka volume proof leke baat karo. Naye account ko list pricing hi milti hai.
Provider ki fees pe GST invoice milta hai jo aapke business expense mein claim hota hai. Apne CA se apne structure ke hisaab se treatment confirm karo — records ke liye provider ka monthly statement sambhaalo.
Apna scenario WhatsApp pe bhejo — +91 98332 16954 — ya International Payment Gateway India page pe aur jaankari lo. Zero fee, seedhi baat.
💬 Abhi Poochho — Free