Crossanceturns your international invoices into instant INR — with
verified clients, zero forex games, and full RBI compliance built
in.
RK
PS
MN
AP
Trusted by 4,200+ Indian freelancers
Invoice Payout — Received
₹8,34,250
USD 10,000 · Credited today at 11:42 AM
FROM
Acme Corp — Delaware, USA
✓ Verified Client
💸
1.4%
Total fees charged
⚡
4 hrs
Invoice to bank credit
📄
Auto
FIRA generated
$120B+
Annual remittances to India
15M+
Freelancers in India
7–8%
Avg. fees lost with PayPal
<1.5%
Our all-in cost
The Problem
You work globally. Your payments shouldn't feel local.
Indian freelancers lose 30–45 days and up to 8.5% of every invoice to
legacy systems. Crossance fixes all of it.
⏳
30–45 day payment cycles
SWIFT rails + manual compliance checks mean freelancers wait weeks
to see their money in INR.
💸
Up to 8.5% in fees & FX leakage
PayPal alone takes 4.4% + a 3–4% forex markup. On a ₹10L invoice,
that's ₹85,000 gone.
✅
Crossance solves all three
Same-day payouts. Under 1.5% all-in cost. Auto-FIRA, RBI purpose
codes, and GST compliance — handled for you.
📋
FEMA/RBI compliance maze
Wrong purpose codes can freeze your funds and expose you to
penalties of 3× the transacted amount.
🏦
Locked out of credit
Banks treat freelancers as high-risk. No salary slip = no loan,
even if you earn ₹40L+ per year.
🔍
Zero client visibility
Is your client creditworthy? Will they pay? Without verification,
you're always taking a leap of faith.
What Freelancers Say
Real results from real people
★★★★★
"I used to wait 5 weeks to get paid by my US client. With
Crossance, the money was in my account the same afternoon I
raised the invoice. I nearly cried."
RK
Rahul Khanna
Full-Stack Engineer, Bangalore
★★★★★
"The FIRA used to take 3 weeks to get from my bank. Now it's
auto-generated the moment the payment lands. My CA is obsessed
with Crossance too."
PS
Priya Sharma
UX Designer, Pune
★★★★★
"I switched from PayPal and saved ₹1.2L last year alone in fees.
The client verification gave me confidence to take on
higher-value contracts."
MN
Meera Nair
Product Consultant, Mumbai
FAQ
Questions we get all the time
Yes. Crossance operates as a Payment Aggregator - Cross Border
(PA-CB) licensed entity under RBI guidelines. Every inward
remittance is mapped to the correct FEMA purpose code, and all
transactions route through AD Category-I banks.
We leverage the RBI's April 2026 inward remittance reforms,
partnering with banks that implement hourly Nostro reconciliation
and straight-through processing (STP). Once your client pays our
local entity (via ACH or SEPA), we credit you in INR within hours.
Crossance's verification engine pre-qualifies every client before
you raise an invoice. For eligible invoices, we offer non-recourse
financing backed by Allianz Trade credit insurance — meaning if
the client goes insolvent, you still keep your advance.
Under PA-CB guidelines, individual export transactions are capped
at USD 15,000. The Growth and Pro plans support higher volumes via
our Merchant of Record entity structure, which handles large B2B
contracts with no per-transaction limits.
Every payment processed through Crossance builds your verified
income history. We package this into a structured Gig Credit Score
that our NBFC partners (like Airtel Finance and Piramal) use to
offer you competitive home loans, credit cards, and personal loans
— no salary slip needed.
Your next invoice, paid today
Join thousands of Indian freelancers who stopped waiting and started
earning smarter with Crossance.
Platform Features
Everything you need to get paid, nothing you don't
Crossance combines corporate-grade verification, instant financing,
and full compliance automation into one seamless platform.
How It Works
From invoice to INR in under 4 hours
01
Submit your invoice
Upload your invoice or create one in-app. We auto-map the
RBI purpose code and validate it against your project
contract.
02
We verify your client
Our engine checks their registration, D&B credit score,
payment history, and UBO sanction lists — in real time,
within minutes.
03
Advance hits your account
Verified invoices get 70–95% advanced in INR, same day. No
waiting for the client's settlement cycle.
04
FIRA & compliance — automated
Your Foreign Inward Remittance Advice, GST export
regularization, and ITR-ready income statements are
generated automatically.
📤You raise invoice for USD 10,000 to Acme Corp, USA
Setup takes 10 minutes. Your first payout could land today.
Pricing
Simple pricing, no surprises
Pay a flat fee or percentage — whichever suits your volume. All plans
include auto-FIRA, RBI purpose codes, and full GST compliance.
Starter
Free
Up to USD 2,000/month
✓ Virtual USD/GBP/EUR accounts
✓ 1.9% conversion fee
✓ Auto FIRA generation
✓ RBI purpose code mapping
✓ Basic client check (registry)
— Invoice financing
— Gig Credit Score
Most Popular
Growth
₹999/mo
Up to USD 15,000/month
✓ Everything in Starter
✓ 1.4% all-in fee
✓ Full D&B + credit bureau checks
✓ Same-day INR payouts
✓ Invoice financing (70–90% advance)
✓ Gig Credit Score (basic)
✓ Priority support
Pro
₹3,999/mo
Unlimited volume · MoR model
✓ Everything in Growth
✓ Sub-1% negotiated rates
✓ Merchant of Record billing
✓ Non-recourse factoring (insured)
✓ Full Gig Credit Score + NBFC loans
✓ Dedicated account manager
✓ API access + accounting
integrations
Fee calculator
See exactly what you'd take home with Crossance vs. PayPal on your
typical invoice.
$500$5,000$15,000
₹80₹83.5₹90
With PayPal (~8% fees)
₹3,83,100
With Crossance (~1.4% fees)
₹4,10,755
You save
₹27,655
Our Story
Built by freelancers, for freelancers
Crossance was born from frustration. Our founders spent years doing
high-value work for US and EU companies — and losing weeks of time and
thousands of rupees every month just getting paid. We decided to fix
it.
The Mission
Giving India's gig economy the financial backbone it
deserves
India has 15 million freelancers earning an average of ₹20 lakh
per year — a workforce the size of a small country, underserved by
every bank and payment system built for a different era.
Crossance is building the financial stack this economy deserves:
instant payments, real credit access, full compliance, and the
verified track record that opens doors banks have always kept
shut.
$120B+
in annual inward remittances to India — and most freelancers lose
7–8% of it.
61.9M
Projected Indian gig workers by 2047. We're building for all of
them.
No hidden fees, no surprise markups. Every rupee deducted is
explained on your dashboard in plain language.
⚡
Speed as a right
Waiting 45 days to receive money you've already earned is not
acceptable. We treat fast payment as a fundamental right, not a
premium feature.
🛡️
Built-in compliance
FEMA, RBI, GST — we don't ask you to become a regulatory expert.
Our platform handles it so you can focus on your craft.
🤝
Freelancer-first design
Every feature is designed around the solo professional. No
enterprise bloat. No features you'll never use.
📈
Credit as a ladder
We believe verified income history should unlock mortgages,
loans, and credit cards — even without a payslip.
🌍
Local roots, global reach
Incorporated in India. Operating through entities in the US, UK,
and EU. Serving you wherever your clients are.
The Team
People who've lived the problem
GB
Gurmehakdeep Billa
CEO & Founder
Ex-Scale AI
SM
Sneha Menon
CTO & Co-founder
Ex-Stripe, BITS Pilani
RP
Rohit Pillai
Head of Compliance
Ex-RBI, FEMA specialist
NB
Nandini Bose
Head of Risk
Ex-Dun & Bradstreet
Want to join us on this mission?
We're hiring engineers, compliance specialists, and growth experts who
care about the gig economy.
Contact Us
We're a message away
Have questions about Crossance? We reply within 2 business hours
during IST working hours.
Send us a message
Other ways to reach us
Let's talk real people, real answers
Whether you're a freelancer with a question, a compliance
professional with a challenge, or an investor who sees what we see —
we want to hear from you.