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A2A (account-to-account) payments move money directly between bank accounts, bypassing card networks and intermediaries. This enables real-time transfers with lower costs, reduced fraud risk, and faster cash flow. While the technology has existed for years, open banking, real-time payment rails, and digital onboarding have made it widely accessible for businesses of all sizes.

A2A payments now account for over 25% of global digital payment volumes, with strong adoption in markets like India, Brazil, and Europe. They are becoming the core infrastructure for transactions between businesses and consumers. This guide covers what A2A payments are, how they work, their types, use cases, and key advantages.

What is a Proforma Invoice? How to Use It: A Comprehensive Guide for Indian Exporters and Freelancers.

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In the fast-evolving world of cross-border business, especially for Indian exporters, freelancers, and startups, clarity and professionalism in transactions are crucial. One of the most important documents in international trade and services is the proforma invoice. If you’re using platforms like Infinity to manage global payments, understanding proforma invoices can help streamline your business, ensure transparency, and build trust with international clients.

What is a Proforma Invoice?

Key Features:

Not a demand for payment: It’s not a payment request or a tax invoice.

Non-binding: It does not have legal standing for accounting or customs purposes.

Details transaction terms: Lists items, quantities, prices, shipping, and payment terms.

Facilitates approvals: Helps buyers arrange for import licenses, foreign exchange, or internal approvals.

Why is a Proforma Invoice Important?

1. Clarity & Transparency

A proforma invoice lays out all the terms of the sale, reducing the risk of misunderstandings between buyer and seller.

2. Facilitates International Trade

Many countries require a proforma invoice to initiate import procedures, open Letters of Credit, or secure foreign currency.

3. Professionalism

Sending a proforma invoice signals to your client that you run a structured, professional business.

4. Smooth Payment Process

Platforms like Infinity allow you to create, manage, and track invoices — including proforma invoices — ensuring a seamless workflow from quotation to payment.

When Should You Use a Proforma Invoice?

Before a Sale is Finalized: When a client requests a quote for goods or services.

For International Shipments: When the buyer needs documentation for import/export clearance.

To Initiate Payment: Some clients require a proforma invoice to process advance payments or open a Letter of Credit.

For Internal Approvals: Large organizations may need a proforma invoice for budgeting or purchase approvals.

What Should a Proforma Invoice Include?

A well-crafted proforma invoice typically contains:

Seller’s and Buyer’s Details: Company name, address, GSTIN (if applicable), contact info.

Invoice Number & Date

Description of Goods/Services: Clear, itemized list with quantities.

Unit Price & Total Price

Currency: Especially important for international transactions (e.g., USD, EUR, GBP).

Delivery Terms: Incoterms (FOB, CIF, etc.), delivery date, shipping method.

Payment Terms: Advance, partial, or after delivery; payment methods.

Validity Period: How long the offer is valid.

Signature/Stamp: For authenticity.

How to Create and Use Proforma Invoices with Infinity

Infinity is designed for Indian businesses, freelancers, and exporters who want to manage international payments and invoicing efficiently. Here’s how you can leverage Infinity for proforma invoices:

1. Effortless Invoice Creation

Infinity’s dashboard allows you to create professional proforma invoices in minutes. You can customize templates, add your branding, and include all necessary transaction details.

2. Multi-Currency Support

With support for 160+ currencies, you can issue proforma invoices in your client’s preferred currency, making it easier for them to process payments and for you to receive funds at competitive FX rates.

3. Seamless Payment Tracking

Once your client accepts the proforma invoice and is ready to pay, Infinity enables you to track payment status in real-time. This transparency helps you plan your deliveries and cash flow.

4. Compliance Made Easy

Infinity ensures all your transactions, including those initiated via proforma invoices, are FIRA-compliant and routed through RBI-authorized banks, making your cross-border business safe and audit-ready.

5. Integrated Workflow

From proforma invoice to payment collection and final commercial invoice, Infinity provides an end-to-end solution — no more juggling spreadsheets or emails.

Step-by-Step: Using a Proforma Invoice on Infinity

Log in to your Infinity account.

Navigate to the Invoicing section.

Select ‘Create Proforma Invoice’.

Fill in client details, item descriptions, pricing, and terms.

Choose the currency and delivery terms.

Preview and send the proforma invoice directly to your client via email or download as PDF.

Track client acceptance and payment status from your Infinity dashboard.

Once payment is received, convert the proforma invoice to a commercial invoice for shipping and compliance.

Best Practices for Proforma Invoices

Be Clear and Detailed: Avoid ambiguity in descriptions and terms.

Set Validity Periods: Prevents confusion about pricing if the deal is delayed.

Use Professional Templates: Enhances your brand image.

Follow Up: After sending, check in with your client to address queries or negotiate terms.

Keep Records: Maintain digital copies for reference and compliance.

Conclusion

A proforma invoice is more than just a quote — it’s a vital tool in international trade and freelance business. With platforms like Infinity, you can create, manage, and track proforma invoices effortlessly, ensuring you get paid faster and with full transparency. Whether you’re a freelancer, exporter, or startup, mastering the use of proforma invoices will help you scale globally, reduce payment friction, and build lasting client relationships.

In the rapidly evolving landscape of e-commerce, businesses must leverage every available tool to stay competitive and scalable. One of the most critical components in this toolkit is the payment gateway. Understanding the impact of payment gateways for e-commerce websites on business scalability is essential for any online retailer aiming for growth and success.

What is a Payment Gateway?

A payment gateway is a technology that captures and transfers payment data from the customer to the acquiring bank. It authorizes payments for e-commerce websites, ensuring the transaction is processed securely and efficiently. Payment gateways are pivotal in providing a seamless shopping experience, influencing customer satisfaction and business scalability.

Enhancing Customer Trust and Satisfaction

A robust payment gateway significantly enhances customer trust and satisfaction, which are crucial for business scalability. When customers feel secure about their transactions, they are more likely to complete purchases and return for future transactions.

Secure Transactions

Security is a top priority for online shoppers. Payment gateways ensure that sensitive information, such as credit card details, is encrypted and transmitted securely. This reduces the risk of data breaches and fraud, fostering a trustworthy shopping environment.

Diverse Payment Options

Offering a variety of payment options through a payment gateway caters to different customer preferences, improving the likelihood of completed transactions. This flexibility is essential for attracting a broader customer base, directly impacting the scalability of the e-commerce business.

Streamlining Business Operations

Payment gateways not only enhance customer experience but also streamline business operations, a key factor in scalability. Efficient transaction processing and management systems reduce the workload for business owners and improve overall operational efficiency.

Automated Processes

Payment gateways automate many aspects of the transaction process, such as payment authorization, data encryption, and transaction recording. This automation minimizes errors and saves time, allowing businesses to focus on other critical areas like marketing and customer service.

Simplified Accounting

Integrating a payment gateway with the e-commerce platform simplifies accounting processes. It provides detailed transaction records and reports, making it easier to track sales, manage refunds, and reconcile accounts. Efficient accounting practices are vital for scaling the business smoothly.

Facilitating Global Expansion

The impact of payment gateways for e-commerce websites on business scalability is particularly evident when considering global expansion. A payment gateway enables businesses to accept payments from customers worldwide, breaking down geographical barriers and opening up new markets.

Multi-Currency Support

Payment gateways that support multiple currencies allow businesses to cater to international customers. This capability is crucial for scaling globally, as it simplifies the purchasing process for customers from different regions, increasing the chances of successful transactions.

Compliance with Global Standards

A reliable payment gateway ensures compliance with international payment standards and regulations. This compliance is essential for conducting business across borders, reducing legal risks, and ensuring smooth operations in new markets.

Boosting Sales and Revenue

Ultimately, the impact of payment gateways for e-commerce websites on business scalability translates into increased sales and revenue. By improving customer experience, streamlining operations, and facilitating global reach, payment gateways help businesses grow sustainably.

Reduced Cart Abandonment

A significant issue for e-commerce websites is cart abandonment. A payment gateway that offers a smooth and quick checkout process can reduce cart abandonment rates, directly impacting sales. Features like saved payment information and one-click payments make the purchasing process more convenient for customers.

Increased Conversion Rates

Payment gateways contribute to higher conversion rates by ensuring a secure and efficient transaction process. Customers are more likely to complete their purchases when they trust the payment process and have multiple payment options. Higher conversion rates lead to increased revenue, supporting business scalability.

Conclusion

In conclusion, the impact of payment gateways for e-commerce websites on business scalability cannot be overstated. From enhancing customer trust and streamlining operations to facilitating global expansion and boosting sales, a robust payment gateway is indispensable for any e-commerce business aiming for growth. To stay competitive and scale effectively, e-commerce businesses should invest in a reliable payment gateway solution.

At Shopperbuild, we understand the importance of integrating the right payment gateway to support your e-commerce business’s scalability and success. Learn more about how our solutions can help you achieve your business goals by visiting Shopperbuild.

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