Receive Foreign Payments
at the Real Rate.
If you are an Indian freelancer or a business who earns globally, you are at the right place.
RBI Approved FrameworkRegulatory & Settlement Partners
Hassle Free Payments
Numbers that speak
for themselves.
Used by teams at
Process
Receive your first payment
this afternoon.
Four simple steps. Most users go from signup to money in their bank account the same day.
Apply on Mulya
Submit your documents once — KYC, PAN, and bank details. Takes 5 minutes.
Get your virtual accounts
Receive foreign bank account details. Share with your client or plug into your platform's payout settings.
Client sends payment
They transfer in USD, GBP, EUR or 20+ currencies via SWIFT, ACH, SEPA — no app needed on their end.
INR credited + FIRS issued
We convert at the mid-market rate (zero markup) and credit your Indian bank account. FIRS auto-generated within 24 hours, free.
26 currencies accepted
Accepted via
Secure.
Compliant.
Reliable.
Mulya is trusted by the Government of India and fully FEMA-compliant. Your money and data are protected at every layer — from KYC to settlement.
Pricing
1% all-inclusive.
Nothing else.
Zero forex markup. No GST. No account opening charges. No hidden fees. Free FIRS on every transaction.
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…✓100% Transparent Pricing
No hidden fees, ever.
All-inclusive — ZERO GST · ZERO hidden charges
Exchange Rate
You get the rate
similar to Google.
We pass you the true mid-market rate — this is similar to the one Google and XE.com show. No markup, no spread, no surprises.
We use JPMorgan Chase mid-market rate for conversions with zero markup. Google and Xe.com are just a reference. Usually the difference is negligible, but it can be significant in volatile markets. Sometimes, the MMR is more than the rate on Google.
Rate Lock
Lock your rate.
Zero surprises.
Our rate updates every 60 seconds. See exactly what you'll receive before confirming — then lock it in while your payment clears.
Who it's for
However you earn globally,
Mulya handles it.
Direct client, freelance platform, remote payroll, or export invoice — Mulya converts at the real rate, with full compliance.
Direct Client Payments
Your international client wires you directly. Share your Mulya virtual account — they pay like a local bank transfer. Easier, faster, better and for the lowest fee possible!.
Platform Withdrawals
Withdraw earnings from global freelance and gig platforms directly into Mulya — at the mid-market rate, not the platform's marked-up conversion rate.
Remote Employees & Contractors
Receiving a monthly salary or contractor payment from a foreign employer? Mulya gives you a compliant, low-cost way to receive and convert your income. Free FIRS within 24 hours.
Marketplace Sellers & Goods Exporters
Selling on Amazon, Shopify, or Etsy? Exporting physical goods? Route all inward remittances through Mulya for better rates and automatic compliance documents.
Already on a platform? Connect directly.
Freelance & agency withdrawals
See how it works →Save up to 2.5%
Elite freelancer payouts
See how it works →Save up to 3.5%
Global contractor payments
See how it works →Save up to 4.0%
E-commerce store payouts
See how it works →Save up to 3.2%
Employer payroll payouts
See how it works →Save on every withdrawaland more…
See how it works →Hold USD
USD/INR is rising.
Earn 10% more for the same dollars.
Don't convert immediately. Hold your USD in your Mulya account and choose when to convert — when the rate is in your favour.
FIRS / e-FIRC
No FIRS = Big trouble.
A Foreign Inward Remittance Statement is mandatory proof that you received foreign income legally. Without it, you risk FEMA penalties, GST export benefit rejections, and tax filing problems.
Free Invoicing Tool
Professional invoices.
Built for export.
Most invoicing tools aren't built for Indian export compliance. Mulya's free tool handles GST, LUT, purpose codes, and multi-currency automatically.
| Description | Qty | Rate | Amount |
|---|---|---|---|
| UI/UX Design — Sep | 1 | $2,000 | $2,000 |
| Brand guidelines | 1 | $400 | $400 |
| Revisions | 5 | $20 | $100 |
Comparison
Skip the hassles.
Go with Mulya.
Banks and PayPal weren't built for Indian freelancers receiving foreign payments. Mulya is.
Reviews
Loved by those who
earn globally from India.
From the Founder
“We built Mulya because we were tired of losing money on every international payment. The real exchange rate should be yours — not the bank’s profit.”
FAQ
Frequently asked questions.
Everything you need to know before your first transfer.
Mulya offers you virtual foreign bank accounts in multiple countries, enabling you to receive payments from international clients effortlessly.
Read more →No, your client doesn't need to register on Mulya.
Read more →Yes, it is legal to open a foreign virtual account through Mulya. We have partnered with entities operating under the RBI’s OPGSP (now PA-CB) guidelines, ensuring compliance with regulations.
Read more →Mulya operates as an aggregator by partnering with multiple foreign banks, Indian banks, and financial platforms.
Read more →Mulya supports most of the purpose codes involved in foreign payments for business purposes.
Read more →Still have questions? WhatsApp us ·
Get in touch
We're here to help.
Questions before you start? Our team responds fast.
Start receiving payments
at the real rate.
Join 4,000+ Indian freelancers, consultants, and agencies who stopped losing money to bad exchange rates.
Free to start · 1% flat fee · Setup in 5 minutes
