10 Best XTransfer Alternatives for Fast & Low-Cost International Business Payments 2026

This article will highlight the Best XTransfer Alternatives for users (businesses, freelancers, e-commerce sellers) for fast cross-border payment solutions.

Users need to look for solutions with affordable international payments, multi-currency accounts, and payment solutions that can suit to enterprises for effective cross-border payments and financial management. These options offer range of features and pricing to fit the need.

Key Features to Consider in XTransfer Alternatives

Transfer Fees

• Assess flat fees, percentage fees, and any other additional fees that may go unnoticed.
• For regular transfers, lower fees become a substantial cost saving.

Exchange Rates

• It could be beneficial to work with services that offer mid‑market or competitive rates.
• Consider avoiding services that offer large mark ups, especially for high-value transactions.

Supported Countries & Currencies

• It would be regrettable to select a platform that does not support your required destination countries.
• Also keep in mind the number of currencies available and how far the coverage spans.

Transfer Speed

• Certain transfers may be instant while others could take 1–5 business days.
• For urgent payments, faster options become a necessity.

Security & Compliance

• The accepted norms and rules of both local and international finances must be observed.
• Consider encryption and two‑factor authentication, licensing.

User Experience & Interface

• It can be detrimental to the business in the long run if employees are saving time due to complicated and time-consuming dashboards.
• It can be favorable to have access to mobile and the web.

Customer Support

• Quality support (live chat, email, phone) is important for issue resolution.
• Look for 24/7 or localized support.

Integration & API Capabilities

• May be beneficial for businesses that want to integrate payment tools with accounting, ecommerce, or ERP systems.
• Streamlined workflows can be a result of API access.

Extra Financial Services

• Foreign currency accounts, company cards, batch payments, billing, etc.
• Having a single platform for various services minimizes dependence on several vendors.

Key Point & Best XTransfer Alternatives List

Service	Key Point
Wise Business	Low‑cost international transfers with real exchange rates and multi‑currency accounts.
Payoneer	Popular for global marketplaces and freelancer payouts with receiving accounts in multiple regions.
Airwallex	Enterprise‑grade cross‑border payments and integrated financial services for businesses.
WorldFirst	Strong mid‑ to large‑business foreign exchange services with competitive FX rates.
PingPong Payments	Focuses on e‑commerce sellers with cost‑efficient cross‑border settlement.
Remitly Business	Fast, remittance‑focused international payments geared toward simplicity and speed.
Revolut Business	Modern digital banking experience with multi‑currency wallets and business cards.
PayPal Business	Widely accepted global payment platform with invoices and ecommerce integration.
Skrill Business	Easy digital wallet and online payment solution with lower‑volume international transfers.
Adyen for Business	Enterprise‑level payment processing across online, in‑store, and mobile channels.

1. Wise Business

For companies that need to send transfers internationally, Wise Business is one of the industry leaders for speed and for low-cost solutions. Wise Business has one of the most versatile multi-currency accounts, as you can hold, convert, and pay in over 50 currencies, with real-time exchange rates and low fees, and it also has strong transparency around the costs.

The platform is designed for SMEs and freelancers, as it has a dashboard that is efficient in tracking and managing transaction activities. Of all the alternatives to XTransfer, Wise Business is one of the Best XTransfer Alternatives because of reliable speed and low-cost transfers, as well as its long standing strong reputation in the industry. Integration with accounting software is also offered for added financial management convenience.

Wise Business Features, Pros & Cons

Features

1. Provides a multi-currency account enabling account holders to receive payments in different currencies at real mid-market exchange rates.
2. Provides local receiving accounts in major currencies (USD, EUR, GBP, etc.).
3. Wise has a simple fee structure.
4. Offers batch payments.
5. Provides integrations with different accounting software.

Pros

• Vital account fees are very low and are easy to spot.
• Wise has a good enough reputation and is known for real-time mid-market rates, it’s competitors mainly have heavier mark-ups.
• Dashboard and user-interface experience is good.
• Transfers between major currencies are processed very quickly.
• Wise has many licenses in different countries.

Cons

• Does not provide any lending services or credit lines.
• Checkout and merchant features are limited.
• Not the best option to manage multiple payment accounts.
• Transfers for some currencies and countries take more than 2 days.
• It is known that their support service is slower than competitors.

2. Payoneer

Payoneer is another flexible platform that allows companies to collect varied payments globally from different sources like marketplaces, clients, and affiliates. Payoneer offers fund accessibility through multi-currency accounts, local bank transfers, and pay-as-you-go prepaid cards.

Payoneer offers simplicity, is internationally accessible, and is well known among freelancers and e-commerce sellers. Among others, we consider Payoneer to be one of the Best XTransfer Alternatives because of how it effectively handles payments internationally, lessens the costs incurred during transfers, and offers quick access to working capital. Payoneer is a more dependable option because of their track record, solid security protocols, and available support concerning the payments.

Payoneer Features, Pros & Cons

Features

1. Clients receive access to global accounts (US, EU, UK, JP, etc.).
2. Supports mass payouts.
3. Provides a multi-currency wallet.
4. Clients receive a debit card.
5. Transfers to local banks are possible for multiple countries.

Pros

• Marketplaces and freelancers can benefit the most.
• Global coverage is good.
• Provides a local withdrawal option in many countries.
• Works nicely with Amazon and Upwork, etc.
• Offers working capital in some areas.

Cons

• Costs may exceed Wise.
• FX rates don’t always represent mid-market.
• Monthly or withdrawal fees incur.
• The User Interface is somewhat out of date.
• The quality of customer service differs from one area to another.

3. Airwallex

Businesses can now process international payments, open borderless accounts, and carry out multi-currency transactions seamlessly thanks to Airwallex’s specialized all-in-one fintech platform. Airwallex facilitates seamless e-commerce and ERP workflows through its seamless integrations.

With their global bank accounts and low fees for foreign exchange transactions, Airwallex has gained popularity among new companies and small to medium enterprises. Airwallex is one of the Best XTransfer Alternatives when it comes to global money transfer services, particularly for businesses that require a high level of service and scale.—

Airwallex Features, Pros & Cons

Features

1. Cross-country payments with reasonable FX.
2. Cards with multi-currency accounts.
3. Tools for treasury and risk mitigation in currency.
4. Automation API.
5. Tools for mass payment and collection.

Pros

• Excellent for mid-range to larger businesses.
• Automation and API are strong.
• If you do large volumes, FX pricing is competitive.
• Cards can be provided for employee expenditure.
• Compliance and control for enterprises.

Cons

• There is a to verify businesses.
• Some currencies and markets are limited
• There is a bit of a learning curve with some of the more complicated features.
• There are multiple tiers of service with corresponding fees.
• It’s not the best option for straightforward P2P payments.

4. WorldFirst

WorldFirst offers international payment solutions optimized for customers of all sizes. With low transfer fees and the ability to track payments online, its international invoice payment, and receipt multi-currency accounts provide intl payments and receipt capabilities, and currency risk is managed through WorldFirst’s Currency Risk Management.

Amongst the top competitors in the arena, WorldFirst is recognized for providing customers with instant international payments. It is omni available, providing businesses with the ability to manage their payments in a simple and cost efficient manner. This global reputation and international access makes WorldFirst a trusted provider for international payments.

WorldFirst Features, Pros & Cons

Features

1. Cross Borders Foreign Exchange Transfers.
2. Accounts for businesses internationally.
3. Forward contracts to strategize currency exchange.
4. Local receiving details.
5. Controls for accounts with multiple users.

Pros

• FX is competitive for large funding.
• Tools for risk control of currency exchange.
• Cared support for smaller clients.
• Good for making frequent payments to international suppliers.
• Local accounts in important areas.

Cons

• There are minimum limits to number of funds transferred in some payment routes.
• Other options may be less expensive for small transactions.
• The interface looks older than other options on the market.
• Some regions take longer to onboard.
• Compared to other fintech companies, small business features are limited.

5. PingPong Payments

PingPong Payments is a payment solution provider for online businesses selling their products on platforms such as Amazon and other international marketplaces. PingPong Payments facilitates instant trans-border payments via its payments platform, providing customers with the ability to manage multiple currencies, and access to advantageous foreign exchange rates. By eliminating traditional banks,

PingPong Payments is recognized as a top provider for international payment processing and is known for integrating seamlessly with various ecommerce accounting solutions, providing swift and safe payments to vendors. PingPong Payments is efficient, providing a seamless system to manage payments to vendors for payment processing.

PingPong Payments Features, Pros & Cons

Features

1. Cross-border e-commerce payments.
2. Accounts for settlements in multiple currencies.
3. Integrations with marketplaces.
4. Affordable foreign exchange rates.
5. Mass payments to sellers.

Pros

• Excellent for sellers on Amazon and eBay.
• More affordable than the majority of banks.
• Facilitates easy mass payments.
• Offers good foreign exchange rates in important markets.
• Simplified support for tax reporting.

Cons

• Primarily oriented toward e-commerce, and is less suitable for other types of transfers.
• Fewer conventional banking services.
• Brand is less recognized than Wise or Paypal.
• Offers no credit services.
• Less coverage than other global banks.

6. Remitly Business

Remitly Business caters to the international payment needs of small and medium-sized businesses. It offers competitive rates and instant transfers to several countries. Its clients particularly include companies that send payments to employees or suppliers located abroad. Remitly facilitates the effective functioning of borderless financial operations through speed, transparency, and dependability.

This popularity as a service provider of international payments makes Remitly stand out as one of the Best XTransfer Alternatives. It gives businesses an effective means of international payments without the hassles of traditional banking. Because of its business-oriented focus on compliance, cross-border payments with Remitly Business are quick and secure.

Remitly Business Features, Pros & Cons

Features

1. Instant cross-border money transfers.
2. Choose express or economy options.
3. User-friendly interface for senders.
4. Local disbursement options within corridors.
5. Compliance and tracking features.

Pros

• Extremely quick transfers for popular routes.
• Designed for and easy to use for small businesses.
• Great remittance coverage to important routes.
• Provides clear transparency on send and receive estimation.
• Available on mobile and web.

Cons

• Express options come with significantly higher costs.
• Doesn’t offer features more common in business like multi-currency accounts.
• Limited options for large payments.
• Fewer available integrations.
• Not designed for large enterprise workflows.

7. Revolut Business

Revolut Business offers businesses a solution that incorporates fast corporate payments, multi-currency accounts, and expense management. It enables the holding, transferring, and conversion of funds to over 28 currencies at the real-time conversion rate. With its partnerships with accounting and invoicing service providers, major components of business operations are made easier.

For cross-border payments, it is without a doubt one of the Best XTransfer Alternatives. It is characterized by quick payment processing, low fees, and a user-friendly interface. The corporate financing tools, such as corporate cards and budget management, are particularly suited to freelancers, startups, and SMEs that need to simplify financial management on a global scale.

Revolut Business Features, Pros & Cons

Features

1. Accounts in multiple currencies.
2. Business debit cards and expense management.
3. Foreign exchange at competitive rates up to limits.
4. Invoice and accounting integrations.
5. API for process automation.

Pros

• Excellent all-in-one business banking.
• Modern user experience and app experience.
• Particularly good for SMEs and startups.
• Spend controls per team.
• New functionalities at regular intervals.

Cons

• FX markups after free tier limit.
• Support can be limited outside key markets.
• Some features are paid behind subscription plans.
• Banking licenses are not as globally dispersed.
• Complicated fee tier structures.

8. PayPal Business

Paypal Business makes it easy for sellers to accept payments and for buyers to send payments from anywhere in the world. They also allow for multi-currency and international transactions, invoices, and integration into many different platforms.

Paypal is accepted almost anywhere due to it being a pioneer in the digital payments world. Paypal also offers many features to help track and manage your finances and even offers a debit card to access your business funds. Paypal is considered one of the “Best XTransfer Alternatives” due to their quick payments and secure transactions.

PayPal Business Features, Pros & Cons

Features

1. Acceptance of payments globally.
2. Invoicing and checkout features.
3. Storage of multiple currencies in balance.
4. Protection for buyers and sellers.
5. Financing for merchants as an option.

Pros

• Very widely accepted on a global scale.
• Simple integration to ecommerce sites.
• Internal transfers are fast.
• Strong fraud prevention and protection.
• Brand provides trustworthiness.

Cons

• Fees and foreign exchange markups are higher.
• Chargebacks are a potential issue.
• Funds can be put on hold.
• Not the best option for high-volume international payroll.
• Customer support is of mixed quality.

9. Skrill Business

If you need to receive payments from across the globe or need to access multi-currency wallets or card payments, Skrill Business is for you. It also offers mass payouts, fraud protection, and a simplified online platform.

As an alternative to XTransfer, it ranks among the Best XTransfer Alternatives, offering low fees, good processing times, and seamless transactions with most e-commerce platforms. PayPal Business is also fully compliant with international payment regulations and offers flexible payment options. Because of this, it is ideal for small businesses, freelancers, and larger companies needing to do a great deal of cross border payments.

Skrill Business Features, Pros & Cons

Features

1. Payments through a digital wallet.
2. Holding of multiple currencies.
3. Online checkout options.
4. Payouts to bank accounts and cards.
5. Tools for APIs and gateways.

Pros

• Transfers through digital wallets are fast.
• Convenient service for online merchants.
• Acceptably priced foreign exchange for wallet transfers.
• Easy to use setup.
• Acceptable for small volumes on low-margin cross-border transactions.

Cons

• Service fees may not be clear.
• Weaker performance on larger B2B payments.
• Limited range of more advanced features for businesses.
• Less common for collecting bank payments.
• Service often lacks adequate responsiveness.

10. Adyen for Business

Adyen for Business is an advanced payment solution for businesses that want to offer multi-channel payment capabilities, ranging from online to in-store to mobile. Companies can handle global payment processing and obtain pay-as-you-go pricing, favorable foreign exchange pricing, and advanced risk management.

Adyen integrates easily to ERP, CRM, and online store systems with their compatible API and dashboards. In the payments industry, Adyen for Business is also considered one of the Best XTransfer Alternatives thanks to their reliability and support for growing businesses. They are able to offer their customers the ability to receive and make payments in many different currencies because of the industry’s leading global network.

Adyen for Business Features, Pros & Cons

Features

• Accept payments across the globe (online/in person) on all channels.
• Integrated commerce with unified reporting.
• Risk and fraud protection.
• Developer tools and APIs for customizations.
• Settlement in various currencies.

Pros

• Payment processing features and capabilities for companies of all sizes.
• Enabled payments in multiple currencies around the world.
• Analytical insights and reports.
• Service grows with customers.
• Capable fraud protection.

Cons

• Pricing not competitive for smaller businesses.
• Time-consuming onboarding.
• Not designed for remittances and transfers.
• Program setup lacks simplicity.
• Pricing can be high and difficult to assess.

How to Choose the Right XTransfer Alternative

Examine Your Business Requirements

Payment solutions are valuable within the context of a business. Start there. Some of the things to consider when assessing the priorities of your business include the need for fast cross-border payments, multi-currency accounts, merchant payments, and supplier payments.

If you need cross-border transactions quickly and often, consider Wise Business and Airwallex. If your business is ecommerce and online selling, PayPal Business is a good alternative. Identifying your business needs is the top priority before choosing an alternative.

Assess Fees and Rates for Transfers

The costs of international payments vary by provider, which is why it’s important to weigh your options carefully. Take both transfer fees and foreign exchange markups into consideration. Some providers, such as Wise Business and WorldFirst, offer highly competitive real exchange rates, and other providers like to charge higher spreads.

It is also important to determine the provider’s overall fee transparency and whether or not they offer the mid-market rate. Comparing provider costs is a straightforward way to find the best option for your business.

Examine your Alternatives in Terms of Currencies Support and Coverage Geography

Speed is relative. If the speed of the delivery is of utmost importance to your business, be sure to choose a provider whose offering is instant or same-day delivery.

While PingPong Payments and Remitly Business have track records of fast (but not instant, it’s important to note) delivery in many sectors, some other providers might offer a slower delivery that could work for your business.

However, if your business experiences a delay, your business could run into some relational and cash flow circumstances that could be problematic, so be sure to match the urgency of the transfer with the potential delay it might have.

Analyze the Alternatives in Terms of Transfer Speed

Speed is relative. If the speed of the delivery is of utmost importance to your business, be sure to choose a provider whose offering is instant or same-day delivery. While PingPong Payments and Remitly Business have track records of fast (but not instant, it’s important to note) delivery in many sectors, some other providers might offer a slower delivery that could work for your business.

However, if your business experiences a delay, your business could run into some relational and cash flow circumstances that could be problematic, so be sure to match the urgency of the transfer with the potential delay it might have.

Study the Account and Features Available to You

With some providers, moving funds easily and without restrictions can be a seamless process. However, will this provider offer other tools such as multi-currency wallets or local receiving accounts that might make a provider’s offering more robust?

While some providers such as Revolut Business and Adyen for Business offer a more comprehensive suite of financial tools, some other providers, such as Skrill Business, offer advanced financial tools for mass-pay and a other use cases. Ultimately, your choice will need to fit the providers offering with your desired outcome of seamless integration into your accounting and everyday finances.

Conclusion

In conclusion, efficiency, cost savings, and smooth operations all depend on selecting the appropriate platform for international company payments. Wise Business, Payoneer, Airwallex, WorldFirst, PingPong Payments, Remitly Business, Revolut Business, PayPal Business, Skrill Business, and Adyen for Business are some of the top XTransfer substitutes that provide a variety of solutions suited to various business requirements.

These substitutes offer dependable, safe, and scalable choices, whatever of your priorities—low fees, quick transfers, multi-currency accounts, or connectivity with accounting and e-commerce software. Businesses can choose the best option to streamline cross-border payments and improve international financial operations by assessing their needs and contrasting features, costs, and transfer speeds.

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