ECL Flow Puts Cross-Border Payments In the Fast Lane
Send funds globally with speed, clarity, and control. Built for global-first companies that need money to move as fast as they do. One day settlement, transparent FX, and automated FIRAs.
If You Send Cross-Border Payments, You Need ECL Flow
Global startups move fast. Your money should too.
Today’s startups are global by default. Teams are distributed, operations span continents, and capital needs to move smoothly between the US and other countries to keep growth on track.
ECL Flow is built to eliminate the friction traditional banks bake into cross-border payments so global-first companies like yours aren’t slowed by delays, hidden costs, or compliance guesswork.
3 Problems with Cross-Border Payments
Even as businesses operate globally, cross-border payments still run on outdated banking infrastructure, especially across the USD–INR corridor. The result is a system full of drag.
Opaque, expensive FX Rates
Even as businesses operate globally, cross-border payments still run on outdated banking infrastructure, especially across the USD–INR corridor. The result is a system full of drag.
Transfers that are slow by design
USD-to-INR transfers routinely take 3–5 business days, which puts your payroll, vendor payments, and cash planning in the slow lane.
Painstaking operational headaches
Manual compliance, delayed FIRAs, and limited visibility force finance teams to chase updates instead of running the business.
ECL Flow Is a Better Way to Move Money
ECL Flow replaces fragmented, bank-led processes with a purpose-built payments platform for global-first startups sending money to India.
Payments settle in 1 business day, with transparent FX pricing and automated FIRAs. No detours. No surprises. Just clean, compliant money movement on your schedule, as fast as your business moves.
Faster Cross-Border Transfers
Replace slow cross-border wires with modern payment rails. Payments settle in 1 business day, so payroll clears on time, vendors get paid without delays, and cash keeps pace with your business.
Competitive FX Rates
Skip layers of intermediaries and hidden markups. ECL Flow uses local rails and streamlined settlement to deliver competitive FX saving customers an average of $5,000 per $500,000 sent.
Compliance You Don’t Have to Chase
Every transfer automatically generates digital compliance records. No follow-ups. No back-and-forth. Just audit-ready documentation, every time.
Tired of hitting roadblocks with slow, expensive FX?
See Real Business Impact that goes Beyond Savings
For global startups, cross-border payments aren’t just a line item — they’re part of your engine. Payment delays create slowdowns across your organization: Planning slips, execution stalls, and growth hits traffic.
ECL Flow puts USD-to-India payments back on schedule. With settlement in just 1 business day and clear, predictable execution, you know exactly when payroll clears, vendors get paid, and cash lands. No guessing. No “it should arrive by Friday.”
For our customers, that means fewer breakdowns, less chasing banks, and more time focused on scaling. ECL Flow turns cross-border payments into infrastructure you can trust, built to keep your business running smoothly as you accelerate.
This is a positive impact you can feel, and it’s all fueling the future of your business.
2-Minute Case Study: How ECL Flow Cut FX Costs in Half
A Customer Thought Their FX Was a Win
Like many global startups, a new customer thought they already had a great deal on cross-border payments. Their bank quoted a 6 bps FX markup on every USD-to-India B2B payment. On paper, that’s race-car pricing.
The Math Told a Different Story
A 6 bps markup at the high volume this company was at is unusually low for a traditional bank. It felt more like a dashboard light than the whole story. So we dug in, reviewing bank receipts, FIRAs, and final settlement amounts.
We Found Hefty Hidden Markups
The paperwork showed a 6 bps FX markup but the INR that actually landed didn’t agree. When we compared the quoted FX rate to the market rate on settlement day, it became clear that costs were being shaved off after conversion. On a single transfer, roughly ₹66,000 disappeared between initiation and settlement, pushing the customer’s true FX cost to over 1.20%, far from what they were told.
ECL Flow Cut Their Costs by 50%
After switching to ECL Flow, the customer cut their effective FX cost by more than 50%. With transparent pricing and no post-settlement surprises, the amount quoted is the amount that settles. Every time.
With ECL Flow, there’s no fine print under the hood. No hidden fees. No post-FX deductions. Just clean, predictable cross-border payments built to run smoothly as you scale.
Going Global Just Got Easier for You
Is ECL revving your engine yet? If this sounds like you, ECL might be the next smart move you make for your business:
Billing overseas clients
Managing US-to-India intercompany transfers
Paying Indian teams, vendors, or contractors
Sending at least $10k monthly to India
Frustrated with slow banks and hidden FX fees
Ready to shift financial gears?
Capital that Won’t Slow You Down
ECL Flow acts as your Indian entity’s USD virtual account, settling locally in INR within 1 business day.
Here’s how easy it is:
Send a domestic U.S. wire to your ECL Flow USD virtual account
Upload an invoice
Funds settle in your Indian account in INR within 1 business day
Receive real-time tracking and an auto-generated FIRAs