What you actually pay
The quoted price, in your currency, plus the tax shown on the proposal. Nothing else is added by us.
| Currency | USD, GBP, EUR, AUD, CAD, SGD or AED — the rupee price at that day's reference exchange rate plus 1%, rounded up, and fixed on your proposal |
| Indian tax | Zero-rated as an export once our Letter of Undertaking (LUT) is filed; until then 18% IGST is added. The exact tax is on the proposal before you accept |
| Your local tax | Shown as reverse charge where your country applies it — you account for it, we do not collect it |
| Payment methods | International card, charged in your currency, or bank transfer: a local account for USD, GBP, EUR, AUD and CAD, SWIFT otherwise |
| Who processes it | Razorpay, an RBI-licensed payment gateway. We never see or hold your card details |
The number on the proposal is the number you pay, in your currency.
The invoice you receive
A proper GST tax invoice, not a receipt — your finance team will have seen this shape before.
- Our legal name, registered Indian address and GSTIN.
- Your name, address, country and your own tax identifier — VAT ID, EIN, ABN, TRN or the equivalent, labelled correctly for your country.
- How the export is treated for GST — zero-rated under our LUT once it is filed, with 18% IGST until then — stated on the invoice rather than left to assumption.
- A reverse-charge note where your country applies one, so you know what you are expected to account for.
- The value in rupees and the exchange rate used, which Indian tax reporting requires.
Working across time zones
We are in India (UTC+5:30) and work 10:00–19:00 IST on the working days of the calendar published at services.sketchxflow.com/holidays: Sundays and the 2nd and 4th Saturdays are off, plus the listed holidays. Most of a project needs no live overlap at all — the requirements interview is a conversation you can have at any hour, progress lives in the project room, and modules are submitted for you to review when it suits you.
Where a live conversation is needed, we take the awkward hour. Early morning India covers Europe comfortably and the Americas at a stretch; late evening India covers the US West Coast. A project is never blocked waiting for a call: an unanswered question is asked in the project room and the work continues around it where it can.
Delivery dates are counted on the Indian working calendar published at services.sketchxflow.com/holidays. Its holidays will not match yours, which is exactly why it is public — you can check a promised date against the days we actually work.
What is the same, and what is different
Almost everything is the same. The differences are worth knowing before you ask.
| Client in India | Client outside India | |
|---|---|---|
| Price | The rate card | The same rate card, converted at the day's reference rate and fixed on the proposal |
| Tax on the invoice | CGST + SGST or IGST | Zero-rated once our LUT is filed, 18% IGST until then — shown on the proposal. Your own local tax is yours to account for |
| Payment | UPI, cards, net banking, bank transfer, EMI on credit cards | International cards, bank transfer |
| Contract | Indian law | Indian law, unless we agree otherwise in writing before you accept |
| Code and IP | Transfers to you on final payment | Identical |
| Support after handover | 30 days of defect fixes after final delivery, then Care if you want it | Identical |
Why a small Indian shop, and when not to
The honest case: a published price list, a published working calendar, a fixed price and a fixed date, and a real tax-registered business with an address you can look up. Most offshore development is bought on a call, priced on an estimate and delivered against a range. You can check every number here before you speak to anyone.
The honest limit: we take two to four projects at a time. If you need a team of fifteen, or a 24-hour follow-the-sun rotation, or someone in your time zone for daily stand-ups, we are the wrong shop and will say so on the first call rather than on the fourth week.
Questions
Do I pay Indian tax?
Not once our Letter of Undertaking (LUT) is filed: services supplied to a client outside India are an export, which is zero-rated under an LUT. It is not filed yet, so for now 18% IGST is added. Either way the exact tax is shown on the proposal before you accept, and the invoice states how the export was treated.
Can I pay by bank transfer instead of card?
Yes. Invoices in US dollars, pounds, euros, Australian or Canadian dollars can be paid by an ordinary domestic transfer to our local account in that currency (ACH, Faster Payments, SEPA, NPP or EFT). Singapore dollars, dirhams and other currencies go by SWIFT wire, where your bank may charge a fee. The account details and the reference to quote are on the invoice and its payment page.
Is my payment secure?
Payments are processed by Razorpay, a payment gateway licensed by the Reserve Bank of India. Card details are entered on the gateway's own checkout and are never seen, handled or stored by SketchXFlow.
Which law governs the contract?
Indian law by default, since that is where the business is registered. If your own procurement requires a different governing law, say so before you accept the proposal and we will discuss it in writing — after acceptance is too late.
How do we communicate across the time-zone gap?
Mostly asynchronously, in the project room, which is where requirements, progress, questions, files and approvals all live. Where a live call is genuinely needed we take the inconvenient hour — early morning in India for Europe, late evening for the Americas.
Also worth reading
- How a project runs Requirements, proposal, fixed price and date, milestones, sign-off, handover.
- When scope changes A change order, priced from the same rate card, accepted in writing before anyone builds.
- A module, in full An appointment-booking workflow at its list price, taken apart: the scope, the acceptance criteria, the three weeks, what is included and what is deliberately not.
- The full price list Every module we build, at its fixed price.