Srinagar, Aug. 12 -- For a Kashmiri exporter, getting the order is often the easy part. A buyer in Dubai or Frankfurt wants pashmina, saffron or walnut wood carvings, agrees a price, and then the awkward question arrives: how exactly do they pay you?

For decades the answer was a bank wire, a fee nobody could predict in advance, and a wait of several days followed by a trip to the branch for paperwork. That has changed in the last two years. The Reserve Bank of India created a licence category specifically for cross-border payment collection known as a PA-CB licence and a group of providers now compete on price, speed and how painlessly they hand you your compliance documents.

Here are seven options, what each is good at, and what to wat...