*Each kind of business needs different records from the same payment. The eFIRA covers all three.*

Indian developers, agencies and SaaS teams can accept USDC by invoicing in dollars, sharing a DashX payment address and receiving rupees with an eFIRA. That gives each business the records it needs: a developer needs income proof for a presumptive tax return, an agency needs invoices matched to payments, and a SaaS team needs a clean trail for GST refunds.

## Three businesses, three needs

| **Business** | **Typical payments** | **What it needs from the paperwork** | **Where to read more** |
| --- | --- | --- | --- |
| Freelance developer | One to three clients paying monthly invoices | Income proof for the return and an eFIRA for each payment | [Section 44ADA tax guide](/blogs/section-44ada-tax-guide) and [Section 44ADA and stablecoins](/blogs/section-44ada-stablecoin-payments) |
| Agency | Several clients paying project milestones | Invoices matched to payments, and the right purpose code for each service | [RBI purpose codes](/blogs/purpose-code-for-freelancers) and [SAC codes for service exporters](/blogs/sac-codes-service-exporters) |
| SaaS team | Many customers on USD priced plans | A trail for GST refunds and tidy export records | [GST refunds for SaaS exporters](/blogs/gst-refunds-saas-exporters) |

## Setup checklist for a freelance developer

- Finish KYC and create your first USD invoice in the dashboard, or draft it with the [free invoice generator](/invoice-generator).

- Share the payment address, the coin and the network with your client in one message.

- Request the FIRA when you confirm each payment, and file it with the invoice.

- Give your accountant the invoices, the eFIRAs and your bank statement at filing time. Our guides on [ITR-4 for freelancers with foreign income](/blogs/itr-4-foreign-income-freelancers), [choosing the right ITR form](/blogs/income-tax-return-freelancers), [old vs new tax regime under 44ADA](/blogs/old-vs-new-tax-regime-44ada) and [advance tax](/blogs/advance-tax-freelancers-foreign-income) help you prepare. The [presumptive taxation guide](/blogs/presumptive-taxation-global-freelancers) covers the full compliance picture.

## Setup checklist for an agency

- Raise a separate invoice for each milestone, with the purpose code that matches the service.

- Ask each client to pay from an account in the name on the invoice.

- Keep one folder per client with invoices, transaction hashes and eFIRAs.

- Decide whether the agency or a founder holds the DashX account, and keep that choice consistent. If you register the business, read [Udyam registration for freelancers](/blogs/udyam-registration-freelancers).

## Setup checklist for a SaaS team

- Price your plans in dollars and name USDC as a payment option for customers who prefer it.

- Share a payment link or invoice with each customer who pays this way.

- Match each settlement to its customer and period in your books.

- Talk to the [DashX business team](/business) if you need an integration for many customers.

## What to say when a client has never paid in USDC

Most clients who pay in stablecoins already hold them, so the request is routine for them. For a client who has not paid this way before, send the message template in our [invoicing guide](/blogs/invoice-usd-get-paid-usdc) and offer a bank transfer as the alternative. DashX also receives payments in fiat currencies through virtual accounts, at a 0.30% flat fee with a free FIRA, so you can offer both and let the client choose. Read [virtual bank accounts for freelancers](/blogs/virtual-bank-accounts-freelancers) and [receive EUR, GBP and AED in India](/blogs/receive-eur-gbp-aed-india) for the fiat options.

## A worked example: an agency with USD 15,000 a month

The agency raises three USD 5,000 invoices in the month. DashX charges its 0.5% flat fee, USD 25 per invoice, plus the USD 3 FIRA fee for each one, so the total cost is USD 84, or 0.56% of USD 15,000. That leaves USD 14,916 to convert. At an example rate of ₹94 per USD the agency receives about ₹14,02,104 and holds three eFIRAs, one per invoice. The current fee schedule is on the [pricing page](/pricing).

## When USDC fits, and when a bank transfer fits better

USDC fits when your client already holds stablecoins, when you want payments within a day on Priority Rails and when you do not mind agreeing a network. A bank transfer fits when your client's finance team only pays by wire or card. Either way the goal is the same: rupees in your account with a bank issued remittance advice behind them.

## Frequently asked questions

**Can a company use DashX, or only individuals?** Both. DashX works for individuals and for businesses that collect from clients abroad.

**Do agencies need a purpose code for each invoice?** The purpose code should describe the service on each invoice. Our [purpose code guide](/blogs/purpose-code-for-freelancers) shows how to choose.

**How does a SaaS team accept many small payments?** Use a payment link or an invoice for each customer, and talk to the DashX business team about an integration if your volume is high.

**Does paying in USDC change my income tax filing?** Your income is still income from your services. Your accountant confirms how the coin affects your return, and our guide on [Section 44ADA and stablecoins](/blogs/section-44ada-stablecoin-payments) is a good place to start.

**Ready to accept USDC for your software work?** [Sign up for DashX](https://gateway.dashx.xyz)