Global payments.
Fairly yours.
The payment gateway built for Indian freelancers and creators. Receive money from global clients at 0.5% flat — no FX spread, no hidden fees, INR in your bank within 24 hours.
No credit card required. FEMA-compliant. RBI-authorised.
How it works
Get paid in three steps.
No complexity.
Get your virtual account
Receive a USD, EUR, or GBP account number in minutes. Share it with your client abroad like any bank account.
Client sends payment
They wire to your account from anywhere in the world — no Stripe account, no PayPal, no friction on their end.
INR lands in your bank
We convert at the live mid-market rate, deduct 0.5%, and settle to your Indian bank account within 24 hours.
Compare
The honest comparison.
| TEST | Stripe | PayPal | Wise | |
|---|---|---|---|---|
| Transaction fee | 0.5% | 3.5% + ₹3 | 4.4% + fixed | 0.6–1.5% |
| FX spread | 0% | 2% | 3–4% | 0.4–0.5% |
| Settlement time | 24h | 7 days | 3–5 days | 1–2 days |
| FEMA compliance | Built-in | Manual | Limited | Partial |
| Min. payout | None | $10 | $1 | £/€1 |
Rates accurate as of June 2025. Stripe rate for India cross-border. Wise rate varies by corridor.
Features
Everything you need
to run a global career.
Multi-currency wallets
Hold USD, EUR, and GBP balances. Convert when the rate is right, not when your client pays.
Payment links
Generate a pay.test.co/l/... link and send it to any client. They pay by card, wire, or wallet.
Live FX rates
No hidden spread. You see exactly what the mid-market rate is and what you will receive in INR.
FEMA-ready compliance
Foreign inward remittance certificates (FIRC), Form 15CA/CB support, and audit-ready transaction records.
Instant invoicing
Create and send professional invoices in any currency. Track payment status without a spreadsheet.
Developer API
Full REST API for platforms paying Indian contractors at scale. Batch payouts in a single call.
Built for
Every Indian freelancer
losing money on every payment.
If you earn $2,000/month from international clients and use PayPal, you're losing roughly ₹8,000–₹12,000 every month in fees and FX spread. Over a year, that's a laptop, a vacation, or three months of rent.
FAQ
Common questions.
Your income.
Your terms.
Join thousands of Indian freelancers and creators getting early access to fair global payments.