How To Receive Payments For Freelance Work In India


More than 15 million people are working as freelancers in India (Source: Wikipedia: Freelancing in India) and it is the second largest country with freelancers after United States with near to 42 million people working as freelancers.

When it comes to freelancing, transfer of payments between the freelancer and client is the most crucial thing which needed to be managed properly from both the parties.





Many a times it is seen that Freelancers scam with their clients after receiving the payment or sometimes the clients refuses to pay after getting the work done.

This is the reason most freelancers and clients takes help of third party freelancing platforms like Fiverr and Upwork which manages payments at their end.

These platforms are surely secure for both Freelancers and Buyers but getting a deal done every time at these platforms is not possible.

One other major reason behind many freelancers avoiding use of these platforms is that these third party platforms charge freelancers a small amount for every sale they made.

Now, In order to save their hard earned money many freelancers try to avoid their use and try to get paid from the client directly.


Receiving Payments As An Indian Freelancer- Guide
Receiving Payments As An Indian Freelancer- Guide

Moreover, When we work as a Freelancer, most of the times we get project from websites like Facebook and Linkedin and in that case many a times clients themselves are not happy while paying at these platforms.

Hence it becomes necessary that as a freelancer we understand all the payment methods properly through which we can receive payments from out clients.

This is also important because many a times clients are only having a single way to pay the freelancer. So we should keep in mind that clients feel convenient while buying our services and can pay through any method they like.

This article basically discusses all those methods which can be used to receive payments for Freelance work in India (Both from National and International clients). 

If you are a Blogger, Freelancer or any one other guy who is involved in any other Online business, where transfer of money is done, this post is a must read for you. 

So Let us kick start the discussion:-

Ways to Receive Payments For Freelancer Work In India:- 


There are a large number of methods through which you can receive payments for freelance work from your national and international level clients. 

Please note Paypal which is among one of the most used platforms for receiving payments from International clients in India does not allow you to receive payments from Local clients.

Hence If you are an Indian freelancer, you cannot receive payments from your Indian clients with help of Paypal. 

But don't worry. There are many other secure methods which can work well at national level and can help you receive payments from local clients.

So Let us see all those methods which can be used to receive payments both from National and International clients:-


1. Instamojo:  Instamojo is basically a payment gateway which you can integrate with your website free of cost.

They also provides you a special link which you can share with your local clients to receive payments. 

Though Integration and making an account at Instamojo is free but they charges you a small amount for every payment you receive from their platform.

So you have to pay them only when you are earning yourself.

Instamojo can be used only in India to receive payments from clients living in India. They provide the option to receive International payments as well but it is not preferred to use the same.

If you are a Blogger or website owner living in India, you can even use it to sell products online at your own website and get paid.

You have to link your Bank account and PAN card with Instamojo in order to get an account at Instamojo and get paid. 

When you make a new account you can receive only 10K INR every month. You need to do KYC verification with them to remove this limit.

The best thing about Instamojo is You can even make shareable payment links as a freelancer which you can send directly to your clients at Whatsapp, Facebook or any other platform you like.

Your clients gets the option to pay using Debit card, Credit card and some other mobile wallets like Freecharge and Mobikwik. Hence it is perfect for those who receive payments frequently online from Indian clients.

There are pretty other good options provided by Instamojo team like you can set your own store, run an Affiliate program, use fees calculator and do much more. 

You can use my referral link to join Instamojo. You will get 500 INR credit in your account when you will join with my link. I will also get 500 INR for same. Hence it is a win-win deal for both of us.

Here is my referral link: Instamojo! Get Paid easily

(Update: Instamojo has Introduced Instamojo NEFT and it does not cost you a single rupee. You even do not need to pay them the transaction fees and that is really a great news)


2. Paypal: Paypal is the best method when it comes to receiving payments from International clients. It does not cost you a single rupee to open a Paypal account.

The one great benefit of Paypal is we can get paid just by sharing a single Email id. You just need to share your Paypal email with the clients to get paid.

There is no need of sharing any other details like Account Number, Bank IFSC code etc.

Paypal also charges a small transaction fees for every payment you will receive and credit payments to your bank accounts directly. 

The one other rule you should know that while living in India you cannot keep payments in your Paypal accounts. 

As soon as you receive payments from your International clients, they are automatically withdrawn to your Paypal linked bank account in a small time period.

The below image shows the Paypal Transaction fees structure for India. This means they charge following percentage of fees for every payment you receive


The only limitation is we cannot use it for receiving payments from Indian clients while ourselves living in India.



3.  Payoneer: Payoneer is one of the best alternates to Paypal. You can use it to receive international payments. Many big companies and freelancing websites provides option to connect Payoneer account to get paid.

You can also make direct payment links to share them with  clients and receive payments. Received payments can be withdrawn to local Indian bank easily.

You can use this link to get 25 USD while registering at Payoneer and making a Payoneer account: Get 25 USD when you signup for Payoneer.


4. Mobile wallets: Mobile wallets are pretty much common these days. They can be used to receive payments from National clients only.

For e.g. Paytm is mostly used these days to receive payments from Indian freelancers. Though it is one of the most used wallet by Indians but still they have no such special arrangements for freelancers to receive payments. (Paytm business is available and it is a good payment gateway when it comes to selling online)

If you want to know about the transfer fees and other details related to transferring money from paytm account to bank account you can have a look at this: Paytm: Transfer money from Paytm to Bank account

There are some other wallets like Freecharge as well which have options to transfer money from one account to other and they can be used for same purpose as well

(When I started my career as a Freelancer,  I used to ask people to buy Amazon Gift Cards for me. You can receive payments in form of Amazon Gift cards as well. Now options like Amazon Pay are also available which can pretty well work for you)


5. XOOM: XOOM which is basically a Paypal service is also much popular these days among Bloggers and businesses for receiving payments from global clients.

Pretty simple to use,  XOOM is mostly used to send and receive money to friends and family instead of professional purposes.

But still you can request payments using XOOM by directly sending them a payment request to your clients in their inbox. Its a pretty popular service among US people.

These five methods works pretty good most of the times.

I will keep updating this list as I soon test and found some other good methods. You can subscribe to our Blog to stay updated.

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Sahil Sharma aka Blogging Surgeon is a Blogger who writes about Blogging, Online Money Making, Digital Marketing and its related domains like Email Marketing, Search Engine Optimization etc.

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