India • European service exports

Receive EUR payments from European clients in India

Receive payments from European clients through EUR invoices and SEPA transfers, then settle eligible proceeds to your approved USDC or USDT wallet.

Open an account

Payment flow

€

Client pays EUR

via SEPA transfer

✓

EurusPay handles the flow

subject to verification and compliance

₮

You receive stablecoins

to the supported wallet you provide

The challenge

The client’s EUR payment workflow and the Indian supplier’s preferred settlement route are often different

Indian software companies, consultants, design studios and independent contractors deliver services to European customers at scale. The customer normally wants a compliant supplier invoice in EUR and bank details that its accounts-payable team can validate and pay.

A direct international remittance to an Indian bank can involve SWIFT instructions, correspondent fees, currency conversion and local documentation. That route may be appropriate when the business needs INR and bank remittance records. It is less direct when the intended treasury destination is USDC or USDT, because a separate purchase and wallet withdrawal may follow.

EurusPay is designed for the latter use case: a European client pays a documented EUR invoice by SEPA and the approved recipient receives stablecoins. Indian users must independently confirm whether this settlement model is appropriate for their legal form, export documentation, tax, accounting and virtual-digital-asset obligations.

The EurusPay approach

European payment details for the invoice, stablecoin settlement for the approved recipient

Short answer: an eligible professional or company in India can invoice a European client in EUR and share the approved beneficiary, European IBAN and reference. The client pays by SEPA, while EurusPay settles the eligible proceeds as USDC or USDT.

An approved EurusPay account displays the beneficiary name, European IBAN, payment reference and instructions available for eligible transactions. The Indian supplier adds these details to the genuine EUR invoice.

The European customer sends a normal SEPA transfer from its bank account. It does not need to buy stablecoins, operate an exchange account, connect a wallet or select a blockchain network.

After the transfer arrives, is matched to the invoice and passes the required checks, EurusPay converts the eligible amount and sends the resulting USDC or USDT to the approved compatible wallet on an available network.

Read how to invoice a European client in EUR. For payments made by a parent company, agency or other entity instead of the named customer, review the third-party payment requirements first.

Example

Example: an Indian product studio bills a Dutch customer for project milestones

Illustrative scenario: a product-development company in Bengaluru agrees to build a web application for a Dutch business for €30,000, invoiced as a €10,000 deposit and two €10,000 milestones.

The Indian company opens a Business Account. Its authorised representative completes KYB and connects a company-controlled compatible wallet.
The parties sign a development agreement. It identifies the scope, acceptance criteria, milestones and payment terms.
The company issues each EUR invoice. It uses the beneficiary, IBAN and reference shown by EurusPay.
The Dutch customer pays by SEPA. Its finance team follows a standard supplier-payment process without using crypto.
Each payment is reviewed and settled. After matching and approval, the resulting USDC or USDT is sent to the company wallet.

This example does not determine the Indian company’s GST, export, foreign-exchange, accounting or virtual-digital-asset treatment. Those obligations require local review.

Create the payment request

Share EUR payment instructions

Receive the supported stablecoin payout

Why it helps

A clear division of responsibilities between payer and recipient

The client receives a EUR invoice with approved European payment details.
The client pays by SEPA from its normal business bank account.
The client does not need crypto infrastructure.
The recipient selects an available USDC or USDT payout for a compatible wallet.
Personal Account: for eligible independent professionals invoicing in their own name.
Business Account: for Indian entities signing contracts and issuing invoices; KYB applies.
Milestones and retainers: each payment can be connected to a documented project stage or billing period.
Traceable records: retain the contract, invoice, SEPA reference, conversion information and wallet transaction.

How it works

How to receive European client payments in India

Confirm that the activity, account type and intended settlement route are eligible.
Register the individual or legal entity that actually provides and invoices the service.
Complete KYC or KYB and declare expected customers, amounts and frequency.
Add a wallet supporting the exact token and network shown as available.
Document the contract, statement of work, milestones and deliverables.
Issue the EUR invoice with the exact beneficiary, IBAN and reference.
The European customer pays from its own bank account by SEPA.
After matching, review and conversion, receive the stablecoin payout.

Compare the destination and features with Wise for EUR payments and Payoneer for EUR payments.

Before you start

Verification, documents, wallet compatibility and scope

Personal vs. Business Account

An independent professional may use a Personal Account when the contract, invoice and activity are in that person’s name. An Indian company or LLP should use a Business Account, complete KYB and ensure the contract party, invoice issuer and wallet owner align with the verified entity.

Documents

Possible requests include identity, address, professional or business profile, contract, purchase order or statement of work, invoice, payer details, proof of delivery and source of funds. Company onboarding may require incorporation and registered-address documents, directors, authorised representatives, beneficial owners and ownership structure.

Supported wallets and networks

Use a self-custody wallet or deposit address only if it supports the exact USDC or USDT token and network shown as available in EurusPay and is approved for the profile. A wallet brand may support one network but not another. Check all three: token, network and address.

What EurusPay does not offer

EurusPay is not an Indian current account or unrestricted European bank account, does not provide INR settlement, FIRA/FIRC or bank remittance certificates, a spending card, outgoing supplier payments or direct client crypto checkout. It does not determine Indian GST, FEMA, income-tax or virtual-digital-asset treatment.

Where the payer differs from the customer named on the contract and invoice, notify compliance before payment and see receiving third-party payments.

Related resources for setting up the flow

Review how to receive SEPA payments outside Europe before sharing payment details with a client.
If you invoice in your own name, review European payment details for non-EU freelancers.
If a company issues the invoice, review European payment details for non-EU companies.
Before registering the destination address, check the SEPA-to-wallet settlement flow.
For a more specific example, see European payments for software companies.

More country guides

Compare the process for Nigeria and Pakistan.

Questions

Frequently asked questions

Can an Indian freelancer receive EUR payments from European clients through EurusPay?

Eligible professionals may apply for a Personal Account, issue documented EUR invoices and let clients pay by SEPA. Approval depends on identity, activity, payment profile and compliance review.

Does EurusPay provide an Indian bank remittance certificate such as FIRA or FIRC?

No. EurusPay settles approved payments to a compatible stablecoin wallet and does not provide INR bank settlement or promise Indian bank remittance certificates. Confirm your documentation needs before using the flow.

Should an Indian company use the Business Account?

Yes. If the company or LLP signs the contract and issues the invoice, it should complete KYB and use a company-controlled wallet consistent with the verified entity.

Does my European client need to buy USDC or USDT?

No. The client pays only EUR by SEPA. EurusPay processes the approved stablecoin payout on the recipient side after the transfer is received and reviewed.

Connect European EUR invoices with your approved wallet

Let your client pay by SEPA and receive the eligible value as USDC or USDT.