10 Best Salt.pe Alternatives for Payments

In this post, I want to present the top Salt.pe alternatives to freelancers, startups, and businesses in search of fast, seamless, and cost-effective solutions to make and manage international payments.

If you need more competitive rates, increased global reach, better multi-currency support, or more sophisticated business capabilities — these alternatives cross and streamline transactions and global payment solutions. They offer a range of impressive features.

What is Salt.pe Alternatives?

Salt.pe alternatives refer to online transaction handling competitors to Salt.pe which offer paying, receiving, and managing online transaction services.

These competitors give users options for invoice creation, paying accounts from different countries, converting currency, automating payouts, and lower transaction fees. In search of better alternatives, customers report to Salt.pe competitors and cite reasons like better global coverage, faster payouts, added features like support for crypto payments, support for multiple currencies, and enhanced security features.

How To Choose Salt.pe Alternatives

Look at Transaction Costs: Review local and cross-border payment costs. Opt for a provider that offers reasonable prices and clear cross-border costs.

Analyze Available Payment Options: Depending on your clients, find a provider that offers cards, bank accounts, UPI, wallets, and even cryptocurrencies, among other payment options.

Look at International Reach: Choose a provider that enables payments in multiple countries and provides payments in multiple currencies for international clients.

Analyze Payment Settlement Times: Look for a provider that offers same-day or next-day payment settlements to improve your cash flow.

Look for Security & Compliance: Choose a provider that is compliant with PCI DSS, and KYC/AML, and provides payment encryption and fraud protection.

Examine Integration Options: Your payment processor should provide APIs and other tools to integrate with your software, web page, or invoicing system.

Look at System Usability: Choose a system that has an easily manageable dashboard for users or clients, especially clients with no technical background.

Review Customer Service Options: Customer service in payment systems is critical and should be easily assessable, especially for payment systems via chat, email, or phone.

Compare Customer Service Options: Customer service in payment systems is critical and should provide fast response times via chat, email, or phone, especially for payment-related problems.

Know the Settlement Countries & Currencies: Ensure it services the currencies of the countries you accept and the bank accounts you wish to use for settlements.

Key Point & Best Salt.pe Alternatives List

Platform	Key Point (Summary)
Payoneer	Best for global freelancers and businesses needing multi-currency accounts and fast international payouts.
Wise (TransferWise)	Offers low-cost international transfers with real mid-market exchange rates and multi-currency wallets.
Instarem	Known for competitive FX rates, low fees, and fast international remittances for businesses and individuals.
XFlow	Ideal for Indian businesses receiving global payments with simplified compliance and transparent pricing.
Remitly	Focused on quick personal remittances with speed options and extensive global coverage.
WorldRemit	Provides fast low-cost remittances with multiple payout methods like bank transfer, cash pickup, and mobile money.
Revolut Business	A modern digital banking solution offering multi-currency accounts, FX tools, and business payment automation.
Airwallex	Best for global businesses needing advanced payment infrastructure, virtual cards, and multi-currency wallets.
PingPong Payments	Popular with exporters and eCommerce sellers for cross-border collections and low FX conversion fees.
CoinRabbit	A crypto-based finance platform offering fast crypto payments and lending solutions without credit checks.

1. Payoneer

Payoneer is an alternative Salt.pe. It is an international payment service used by freelancers, digital merchants, ecommerce service providers, and businesses. It permits customers to collect and withdraw money in several foreign currencies and withdraw money in local currencies to local bank accounts through low-cost withdrawal methods.

It is one of the Best Salt.pe Alternatives because of its payment ecosystem. It also offers mass payout services, prepaid payment cards, tax management services, and payment automation.

It integrates smoothly with ecommerce and services marketplaces such as Amazon and Upwork, which International workers want for efficient cross-border payment transactions.

Category	Details
KYC Requirement	Basic business verification (ID, address, and business details). Simple and fast approval.
Best For	Freelancers, agencies, eCommerce sellers, and global service providers.
Key Features	Multi-currency accounts, global receiving accounts, fast international payouts, marketplace integrations.
Supported Currencies	USD, EUR, GBP, CAD, AUD, JPY & more.
Transfer Fees	Low-cost transfers; Payoneer-to-Payoneer often free.
Settlement Options	Withdraw to local bank accounts in 190+ countries.
Strength	Excellent for global payments with minimal KYC and wide marketplace support (Amazon, Upwork, Fiverr).

2. Wise (TransferWise)

It is the peer-to-peer international payment processor which is most commonly used today for international payments. It is known for its low-cost and transparent payments because of its real mid-market exchange rate.

global workers, freelancers, and remote tasks. Wise is one of the Best Salt.pe Alternatives due to its exceptional reputation in the market as well as cost efficiency and user friendly interface for customers. Wise is also known for having local bank account details for local payments in several countries.

This is to allow customers to have bank accounts and receive money as a local.Wise remains one of the most trustworthy companies in the cross-border payment industry due to consistent and outstanding performance, including quick transactions, secure transactions, and clear fee structures. 

Category	Details
KYC Requirement	Basic identity verification (ID, proof of address). No heavy business documentation for small-scale users.
Best For	Freelancers, small businesses receiving/sending international payments, remote workers.
Key Features	Multi-currency account, real mid-market exchange rates, local bank details in many currencies.
Supported Currencies	40+ currencies including USD, EUR, GBP, INR, AUD, CAD, SGD, etc.
Fees Structure	Transparent fixed + percentage fee. No hidden markup.
Settlement Options	Receive in local currency, withdraw to your bank, or hold in Wise’s multi-currency wallet.
Strength	Low-cost international transfers, clear pricing, and real exchange rates — strong Salt.pe alternative.

3. Instarem

You can now save money when performing global transfers as Instarem offers global transfers at lower costs as well as quick FX transfers. Instarem offers multi-currency, fast transfer supports making it ideal for individuals, and small businesses.

As one of the Best Salt.pe alternatives, Instarem features services such as rewards, business accounts, and bulk payments. The user-friendly mobile app makes it easy to use for the clients, and their compliance to regulation ensures the transfers are safe and secure.

Instarem already has a network of partners in Asia, Europe, and North America that allow clients to move money to a variety of countries.

Category	Details
KYC Requirement	Government ID (e.g. passport / Aadhaar) + PAN (for Indians) for personal; basic business KYC (business registration + director/shareholder info) for business accounts.
Best For	Small businesses, freelancers, and individuals making international payments or receiving cross-border funds.
Key Features	Transparent pricing, competitive FX rates, global collection accounts, and mass payment support.
Supported Currencies	Instarem supports 60+ receiving countries / currencies (via its global collection account for business).
Fees Structure	For business: ~0.65% fee to send, ~0.30% to receive; transparent costs shown upfront.
Settlement Options	Collected funds are held in a global collection account and transferred to local bank accounts at midnight (for some countries).
Strength	Low-cost cross-border payments with minimal KYC friction and strong regulatory compliance — a solid Salt.pe alternative.

4. XFlow

XFlow is a platform for cross-border payments built in india for startups, service companies, and exporters receiving payments from outside of the country. Xflow as one of the Best Salt.pe Alternatives has no complexities with onboarding, compliance, and foreign exchange rates, as they are all transparent and easy, along with a streamlined system.

Avoiding the expected long delay, Xflow has no complications with the global payments and paperwork system. Xflow’s users are able to receive payments seamlessly from around the world, in compliance with FEMA and other banking regulations.

It has a user-friendly dashboard and state-of-the-art security which also allows them to process payments as quickly as one banking day. More importantly, they meet all the regulatory requirements, making them the go-to for companies looking to manage their cross-border receivables easily and quickly.

Category	Details
KYC Requirement	Basic business verification: company registration, authorised signatory details + ID.
Best For	Indian exporters, SMEs, startups receiving international payments.
Key Features	Virtual receiving accounts, payment links, API integration, compliance desk for remittance paperwork.
Supported Currencies	25+ currencies (USD, EUR, GBP, AUD, CAD etc.)
Fees	No collection fee; nominal fee charged at payout/withdrawal.
Settlement Options	Funds received in INR or EEFC, credited to your bank typically by next business day.
Strength	Fully compliant (RBI-authorised), fast onboarding, automated compliance (FIRC, BRC) via their Compliance Desk.

5. Remitly

Remitly enables users to send personal remittances to relatives and friends and offers fast and relatively inexpensive remittances to families internationally.

Remitly offers numerous delivery methods, such as bank deposit, cash pick-up, mobile money, and home delivery in select countries. As for the Best Salt.pe Alternatives, Remitly is distinguished for its customer-focused express and economy transfer options, real-time tracking, and extensive global coverage.

As it keeps the user’s ability to transfer money with complete peace of mind in as fast as a few minutes, Remitly is a top remittance service. Remitly’s low fees and mobile app make the service even more attractive.

Category	Details
KYC Requirement	Basic identity verification: government ID + proof of address; tiered verification for higher limits.
Best For	Personal remittances, small business payouts, freelancers receiving/ sending money globally.
Key Features	Supports global payouts, express & economy transfer options, and various delivery methods (bank, cash pickup, mobile wallet).
Supported Currencies / Countries	170+ countries supported for transfers.
Fee Structure	Flat low fees + FX markup. For small transfers, it’s around US$3.99 (may vary).
Transfer Speed / Limits	Economy transfers: ~3–5 business days; Express transfers: few hours.
Strength	Very user-friendly, fast remittance, business payments option recently added with minimal complexity.

6. WorldRemit

WorldRemit services over 130 countries and has a reputation for being one of the fastest and cheapest remittance providers in the industry. They also have a number of delivery methods to choose from, like bank transfers, airtime to top-ups, cash pickups, and mobile wallets.

When considering the Best Salt.pe Alternatives, WorldRemit has proven to more accessible and flexible than most. Transfers only take a few minutes to process, and they tend to offer lower fees than Banks.

Due to advanced security measures, instant updates, and extensive payout options, WorldRemit has cemented its status among global migrants and families who require reliable, speedy, and simple remittance services.

Category	Details
KYC Requirement	Identity verification via government-issued ID; address proof required only in specific cases.
Best For	Personal remittances, small business payments, and cross-border transfers to family/friends.
Key Features	Multiple payout methods: bank deposit, cash pickup, mobile wallet, airtime top-up.
Supported Countries / Currencies	Send from ~50+ countries to 130+ destinations; supports ~61 currencies.
Fee Structure	Variable fee depending on corridor and payout method (e.g., US$0.99–US$3.99 in many cases).
Speed / Transfer Time	Bank transfers: 1-2 business days; mobile money/airtime: often instant or within minutes.
Strength	Very user-friendly, broad global reach, flexible payout options, and digital-first experience.

7. Revolut Business

Revolut Business is a recent innovation from the fintech sector, particularly designed for SMEs with global needs. It offers the ability to operate with multiple currencies, virtual cards, and automated payments, and a multitude of advanced financial tools.

In the Best Salt.pe Alternatives Revolut Business stands out for the team spending controls, API and automation, and software integrations. Also, the platform includes FX services at interbank rates, which makes most cross-border payments a lot easier and more affordable.

Companies also get a transparent pricing plan, smart security, and more affordable, effective budget tools, which makes Revolut an excellent financial partner for growing businesses.

Category	Details
KYC Requirement	Business identity verification: company registration, director/shareholder proof, business address.
Best For	Global small to midsize businesses, startups, and teams needing multi-currency financial operations. (
Key Features	Multi-currency accounts (hold up to 34 currencies), batch payments, API access, expense management, virtual cards.
Supported Currencies	25+ currencies for sending/receiving; can hold around 34 currencies.
Fee Structure	Tiered plans; FX: 0.6% markup (or 1% outside market hours); plan-based FX-free allowance.
Settlement Options	Receive and hold funds in different currencies, use local account details (GBP, EUR, USD, CHF).
Strength	Powerful for international business: offers real currency management, FX flexibility, automated payments, and integration tools — a very good Salt.pe alternative.

8. Airwallex

With multi-currency accounts, international payment collections, virtual cards, and banking features, Airwallex is a growing financial service tailored for new companies, e-commerce businesses, and large corporations.

One of the Best Salt.pe Alternatives, this service offers an excellent API for real-time foreign exchange, and also makes payments at borderless rates. Through a single platform, businesses can hold and receive various currencies, make global payouts, and enhance their financial management.

Enhanced global payments systems with operational efficiencies are made easier with Airwallex owing to their flexible pricing and compliance.

Category	Details
KYC Requirement	Business verification: company registration certificate + director/shareholder ID and address.
Best For	Global businesses, startups, and SMEs needing multi-currency accounts and payments.
Key Features	Multi-currency Global Accounts, interbank-rate FX, API access, payment links, and corporate cards.
Supported Currencies	Global accounts in 20+ currencies; collect from 60+ countries.
Fee Structure	No account-opening fee. FX markup: ~0.5% for major currencies.
Settlement Options	Hold, convert, and withdraw funds in multiple currencies; local bank details in many regions.
Strength	Business-grade global payments infrastructure with competitive FX and lightweight onboarding for cross-border operations.

9. PingPong Payments

PingPong Payments is aimed at exporters, ecommerce sellers, and global merchants for cross-border payment collections. With its low FX rates and fast account settlements to its multi-currency users, it is a strong competitor to other payment service providers.

Over the years, PingPong Payments has become one of the Best Salt.pe Alternatives as it focuses on helping sellers increase their international revenues while also saving costs.

The platform provides users with easy-to-understand VAT/tax solutions, payments to suppliers, and provides strong compliance. With its smooth dashboard and global payouts, businesses choose PingPong for their international growth.

Category	Details
KYC Requirement	Business verification: upload identity proof, business registration, and address.
Best For	eCommerce exporters, freelancers, Indian sellers receiving global payments.
Key Features	Multiple virtual accounts in different currencies, global payment request links, supplier payments, and FIRC automation.
Supported Payout Currencies	INR, USD, EUR, GBP, AUD, CAD, JPY, SGD, AED, MXN, PLN, HKD, IDR, KRW, PHP, ZAR, and more.
Fee Structure	No monthly account fee; FX markup included (~up to 1% for some transfers).
Settlement Options	Withdraw to local Indian bank or EEFC account; local payout rails for multiple currencies.
Strength	Cost-effective for global collections, minimal KYC friction, and great for export sellers to scale internationally.

10. CoinRabbit

CoinRabbit is a financing service in the crypto space that provides quick crypto loans, payment options, and asset lending backed by crypto with no credit checks.

The service enables users to obtain liquidity for payments or investments while keeping their crypto unchanged.

Like others in the Best Salt.pe Alternatives, CoinRabbit is a good option for users in the crypto space looking for a complete financial offering. There is no KYC for low-amount transactions, which fits the profile of a user looking for ultra-rapid cross-border payments.

Security specialization, collateral-backed lending, and features ranging from decentralized finance make it the best-fit for individuals seeking finance driven by cryptocurrency.

Category	Details
KYC Requirement	No upfront ID or document verification for most users; risk-based verification only if suspicious.
Best For	Crypto users who want to borrow stablecoins without selling their holdings.
Key Features	Instant crypto-backed loans, savings accounts, integrated wallet & exchange.
Supported Collateral Assets	70+ cryptocurrencies, including BTC, ETH, and many altcoins.
Loan Currency	USDT, USDC, etc. (stablecoins) for most loans.
Loan Terms & APR	Open-ended or 30-day fixed-term loans; APR from ~12-17%.
Security	Cold wallet storage, multi-layer risk control, AML monitoring, optional KYC.
Strength	Very private & easy access to loans with minimal identity checks — great for crypto-native users.

Conclusion

Finding the best Salt.pe alternative will depend on your business requirements, volume of your payments, and the geographical area your business covers. Payoneer, Wise, and PingPong are suitable for global sellers and freelancers, whereas Airwallex, Revolut Business, and XFlow are great for startups and companies that need advanced solutions for high-volume cross-border payments.

If you need remittance solutions, Remitly and WorldRemit are very good for transferring money quickly and simply; crypto users are best served by CoinRabbit.

All these solutions have various advantages and disadvantages with respect to pricing, transaction speed, currency coverage, and available integrations. Based on that, every professional and company can choose the optimal alternative for global payment solutions that are easy to use and affordable.

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