Multi-Currency & Real-Time Rates
Invoice US, European, UAE, or Australian clients in their local currency (`$ USD`, `€ EUR`, `£ GBP`, `AED`). Daily interbank rates are automatically locked so you know your exact INR realization.
Automated Payment Reminders
No more awkward follow-ups. The scheduler gently reminds clients at due dates and 7-day intervals with your branded template and wire instructions.
Statutory GST LUT Exemption
Export your software, design, or writing services legally under Rule 96A without paying 18% IGST upfront. Cod Xpert automatically stamps the required statutory declaration onto your PDFs.
Global Wire & Payment Details
Include your Wise, Payoneer, SWIFT/BIC, IBAN, and domestic bank details neatly on every invoice so international clients pay you without back-and-forth emails.
Expense & Receipt Tracking
Track SaaS subscriptions, cloud hosting, and laptop expenses with receipt image attachments. Export a clean spreadsheet for tax filing in one click.
Custom Domain SMTP (Zero Spam)
Connect your own Google Workspace or domain email. Invoices land directly in your client's primary inbox, not their junk or spam folders.
Step-by-Step Cross-Border Billing Lifecycle for Freelancers
Proposal & Scoping
Send professional client estimates using Quotations. Lock deliverable specifications, payment milestones, and currency terms upfront.
Multi-Currency Invoice
Bill foreign clients in USD, EUR, GBP, or AED with automated live rate conversions via our Multi-Currency Feature.
LUT Zero-Rating
Automatically append statutory export declarations pursuant to Rule 96A CGST Rules. Eliminate 18% IGST cash flow blockage.
FIRC & Tax Closure
Track inward wire settlements from Wise, Payoneer, or direct bank transfer and reconcile for e-BRC Realization Certificates.
Handling International Inflows: Wise, Payoneer & Direct SWIFT
Understanding how foreign remittances clear through intermediary correspondent banks ensures accurate tax reporting and complete statutory protection.
Direct SWIFT Wire Transfers
Direct wire to your Indian bank account gives you a clean bank realization with your Authorised Dealer (AD) issuing the FIRC/FIRA document directly under your RBI purpose code (e.g., P0802 for software services).
Wise Business Inflows
Wise routes funds via partner banks in India (such as HDFC or Yes Bank). You must download the partner bank Foreign Inward Remittance Advice (FIRA) from Wise to substantiate zero-rated export zero-tax status.
Payoneer & Upwork Remittances
Platform withdrawals require matching your Cod Xpert invoice number against the platform settlement statement. Cod Xpert records platform fee deductions so your net and gross receipts match for annual tax audits.
Freelancer Statutory Compliance Matrix: GST, e-BRC & FEMA
Operating as an independent developer, designer, or writer in India requires strict adherence to banking and tax codes when receiving overseas remittances.
FEMA 23(R) Export Declarations
Under the Reserve Bank of India's Foreign Exchange Management Act (FEMA 23(R)), every cross-border service export requires documentation connecting the invoice with the inward remittance reference. Cod Xpert generates standardized declarations for HDFC, ICICI, SBI, and Axis Bank AD desks.
Read the FEMA 23(R) Service Export Guide →Third-Party Gateway Inward Advice
When receiving international payments through Stripe, PayPal, or Wise, intermediary partner banks issue Foreign Inward Remittance Advices (FIRA/FIRC). Cod Xpert records gross invoice amounts and platform deductions to give your CA exact audit schedules.
Learn How to Obtain FIRCs from Wise & Stripe →Frequently Asked Questions for Freelancers
Do I need a GST number to invoice international clients?
Under Indian GST law, export of services is treated as an inter-state supply. While the threshold exemption of ₹20 Lakhs turnover exists, filing a Letter of Undertaking (LUT) to supply zero-rated services without paying 18% IGST requires a valid GSTIN registration.
Can I include my Wise or Payoneer account details on invoices?
Yes. Cod Xpert allows you to format domestic bank details (NEFT/RTGS/UPI) alongside international virtual bank accounts (SWIFT, IBAN, routing numbers) directly on your branded PDF.
How do I track foreign exchange rate fluctuations?
Cod Xpert captures the interbank exchange rate on the date of invoice issuance. Use our Live Forex Calculator to calculate estimated bank spread loss and net INR realization.
Can I automate follow-up reminders for unpaid invoices?
Yes. Our Invoice Tracking Engine dispatches automated, polite payment reminders at scheduled intervals directly from your verified email address.
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