How Pym Works
Send money from the US to India in 3 simple steps — with $0 fees on bank transfer and crypto. Your recipient gets INR directly in their Indian bank account.
3 Steps to Send Money
Create a free account
Sign up with your email in under a minute. No documents required to start. Verify your identity when you're ready to send larger amounts.
Add your recipient
Enter your recipient's Indian bank account details (account number + IFSC) or UPI ID. You only need to do this once — Pym saves it for future transfers.
Choose amount & payment method
Enter how much USD you want to send. Pick bank transfer (ACH), crypto (USDT), or card. Confirm the INR amount your recipient will get, then submit.
Choose Your Payment Method
Bank Transfer (ACH)
Best for large amounts
- 1Connect your US bank account via Plaid
- 2We initiate an ACH pull from your account
- 3Funds are converted at the best USD → INR rate
- 4INR lands in your recipient's Indian bank account
Crypto (USDT)
Best for crypto holders
- 1Select USDT and choose your network (TRC-20, BEP-20, ERC-20)
- 2Send USDT to the wallet address shown
- 3We confirm on-chain and convert to INR
- 4INR is deposited to your recipient's bank account
Debit / Credit Card
Best for speed
- 1Enter your US debit or credit card details (secured by Stripe)
- 2Payment is processed instantly
- 3Funds are converted at the best USD → INR rate
- 4INR arrives in your recipient's Indian bank account
Why People Choose Pym
Secure & trusted
Bank-level encryption. Payments processed via Stripe. Operated by Phodata LLC, a registered US company.
Best exchange rates
We use real-time mid-market rates with minimal markup — more rupees for every dollar you send.
1-2 day delivery
Most transfers arrive in 1-2 business days. Recipient gets INR directly in their Indian bank account or UPI.
Frequently Asked Questions
Do I need to set up anything on the recipient's end?
No. Your recipient just needs a regular Indian bank account or UPI ID. They don't need to download any app or sign up for anything.
How long does the transfer take?
Bank transfers and crypto payments typically arrive within 1-2 business days. Card payments are processed instantly but INR delivery still takes 1-2 business days.
Is there a minimum transfer amount?
The minimum transfer is $10 USD. There is no maximum for verified accounts.
What documents do I need?
No documents are required to get started. For higher transfer limits, you can complete identity verification (KYC) from your profile page.
What happens if I make a mistake in the recipient's details?
You can cancel a transfer before it is processed. If you find an error after submission, contact us immediately through the support option in your transaction page.
Is it safe to send with Pym?
Yes. All card payments are secured by Stripe. We use bank-level 256-bit encryption and never store card numbers on our servers. Pym is operated by Phodata LLC, a registered US company.
Ready to send money to India?
Fees from $2.60 · Best USD → INR rate · 1-2 day delivery