Payment Platform Compliance for Freelance Income

I'm a freelance web developer receiving payments from international clients and need guidance on choosing between two payment platforms:

Platform Comparison:

Option 1 - Sykdo

• PA-CB licensed by RBI
• 29$ transaction fee (Higher)

Option 2 - InfinityApp

• Use JP Morgan's license directly
• Uses Vostro route under RBI guidelines
• No PA-CB license of their own
• 0.5% fee

My Questions:

1. Is it legally safe to receive freelance payments through InfinityApp given they don't have PA-CB licensing but claim JP Morgan backing?

2. What are the tax implications and documentation requirements for each route?

3. Will there be any issues with IT department or RBI if I use the Vostro route platform?

4. What due diligence should I perform before switching from the PA-CB licensed platform?

Additional Context:

• I'm a resident individual receiving legitimate freelance income
• Want to ensure full compliance with FEMA and income tax regulations

Would really appreciate expert guidance on this. The fee difference is substantial for my business, but I don't want to compromise on regulatory compliance.

Thanks in advance!