One connected loop

From foreign payment to filed-ready return.

Connect your bank once. Every foreign inflow after that arrives reconciled, documented, taxed, and routed to the right ITR.

The loop4 stages
The Lumeo loopA closed four-stage cycle. An inflow arrives, it is reconciled, documentation and tax follow, the return is filed, and the cycle begins again with the next inflow.InflowReconcileDocument & taxFileOne connectedloop

Connect your bank once.

Connect the account that receives your remittances. From that point Lumeo listens for money arriving from abroad, identifies the foreign inflows among your ordinary transactions, and starts the loop the moment a payment appears.

Read-only connection01
How the bank connection worksFive payment rails all pay into one bank account. Lumeo has a read-only connection to that account. The reverse direction is struck through: Lumeo never moves money.StripeWisePayPalBank wireUpworkYour bankReadsLumeoNever moves money

Payment arrives, already reconciled.

Every rail deducts different fees at different points and reports net or gross inconsistently, so the credit that reaches your bank is never the amount on your invoice. Lumeo reconstructs the full picture per payment and matches it back to the invoice it belongs to.

Invoice to net creditIllustrative
Why the credit never matches the invoiceA five-step waterfall. The invoice is reduced by a platform fee, an FX spread and a correspondent charge, leaving the net credit. Only that net credit appears on the bank statement.Invoice− Platform fee− FX spread− CorrespondentNet credit$5,000This is all your bank statement shows

FIRA/e-BRC and tax, handled.

One inflow triggers three things at once. Lumeo generates the FIRA/e-BRC on receipt, so it exists before you need it. GST is applied as export of services. Advance tax is reserved quarterly against what you actually owe, so March never surprises you.

One inflow, three outputs03
Three parallel outputs from one inflowA single reconciled inflow produces three outputs at the same time: a FIRA/e-BRC document proving the money legally entered India as export earnings, GST treatment tagging the invoice zero-rated as export of services, and an advance-tax reserve across the four quarterly deadlines.InflowFIRA/e-BRCProves the money legally enteredIndia as export earningsGSTInvoiceZero-rated · export of servicesAdvance taxJunSepDecMar

ITR, prefilled and routed.

Getting the ITR-4 vs ITR-3 distinction wrong is a notice waiting to happen. Lumeo routes it from your actual profile rather than by guess, and prefills the return. Filing is prepared through a registered ERI partner.

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Eligibility routing04
How the correct ITR form is chosenYour profile is assessed and routed one of two ways. A presumptive, simple profile routes to ITR-4. Foreign income carrying Schedule FSI obligations routes to ITR-3. Both paths merge into a prefilled return, which passes a review gate you control before being filed through a registered ERI partner.Your profileRoutePresumptive ·simple profileForeign income ·Schedule FSIITR-4ITR-3PrefilledYou reviewFiled via ERI partner
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