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International Payments - XTransfer

International Payments

·Pay to China & get paid globally
·Free to open business accounts
·24/7 instant payment
·Exchange USD/RMB, no limit, no block

4.5396 Ratingsapp store
4.2167 Reviewsgoogle play
Register B2B Account

Exchange Rate Converter

Amount
Result
Cross-Border Transfer Steps
1Prepare Documents
Prepare company-related documents
Register on the XTransfer website
Our customer service will provide one-on-one support
2Submit Application
Submit documents online
Upload with one click
Simple operation, no complicated process required
3Preliminary Review
Professional team conducts compliance checks
Ensure enterprise information security
The whole process is professional, efficient, transparent, and secure
4Approval Granted
Use immediately
Quickly start cross-border payments
Connect with banks in different countries worldwide
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New user special：enjoy free settlement for ¥100,000!

Get it for free now

Our Strength

    24/7 RealTime Online Currency Exchange

    24/7 RealTime Online Currency Exchange

    Whether it's a holiday, weekend, or late at night, redeem anytime you want!

    Constant Access to Market-Beating Rates

    Constant Access to Market-Beating Rates

    Enjoy secure and compliant exchange at competitive rates with 0 exchange loss

    FX limit orders

    FX limit orders

    Set limit orders and automatically exchange at your preferred rate

    Hong Kong/Chinese mainland Company Registration

    Hong Kong/Chinese mainland Company Registration

    XTransfer connects you with licensed secretaries to register your company and activate global payment reception quickly and remotely.

Send Money to China, the Most Cost-Effective Choice

The Fastest & Easiest Way to International Payments

Projects
Settlement Time
Ease of Operation
Transfer Cost
Account Opening Time
Fund Management
Compliance & Risk Control
XTransfer
As fast as 1 second
Fully online process with clear steps
Clear and transparent fee structure
Instant activation, ready to use
Supports multi-currency collections
Professional team supporting common collection scenarios
Bank Transfer
1–3 business days
Delays may occur due to information issues
High cost, often including hidden fees
Long review and approval process
Relatively basic functionality
General-purpose financial risk control
Overseas Local Bank Account
Fast, but dependent on account maintenance
Stable, but affected by local banks
High ongoing maintenance costs
Usually takes weeks or even longer
Depends on the local bank
Compliance requirements must be handled by yourself

Partner

BARCLAYS
Deutsche_Bank
DBS
BANK OF CHINA

Our licenses

China

China

HK MSO License

HK MSO License

Singapore

Singapore

UK API License

UK API License

Netherlands

Netherlands

US MSB

US MSB

CA MSB

CA MSB

AU RSP

AU RSP

International Payments

Having a cross-border e-commerce dollar collection account means that your B2B foreign trade business has opened up a key link in the return of global funds. It can effectively avoid the traditional bank wire transfer fees are high, the arrival time is uncertain, information tracking difficulties and so on. With the help of professional foreign trade collection service providers such as XTransfer, you can obtain a localized account opened in the name of your company, so that overseas buyers can make payments as simple and fast as local transfers, significantly improving customer experience and capital turnover efficiency. This has become a standard configuration for modern foreign trade enterprises to expand the international market.

Cross-Border Traders Around You
Are Using XTransfer

Grateful To Have You By Our Side

186******43
186******43China 2025/5/22

方便快捷！

很方便，出差可以手机操作

VedaJudithw
VedaJudithwNigeria 2026/1/4

Confidently Secure System

We transact with peace of mind regarding security.

rush brittaney
rush brittaneyVietnam 2025/12/17

Perfect for Exporters

Receiving USD payments from international clients is now much easier.

Mayers Whaley
Mayers WhaleyNigeria 2025/10/1

The Best Decision I Made This Year

Switching to XTransfer was the best operational decision I made for my business. The ROI is incredible.

Sharilyn Pierce
Sharilyn PierceUnited States 2025/9/4

Helpful for Traders

Essential for our import/export business. The interface is functional but feels a bit out-dated and could use a refresh.

老先明生_
老先明生_Hong Kong 2025/9/4

Exceptional Customer Support

Their support team is phenomenal. They resolve issues in minutes, not hours or days.

XTransfer at your fingertips

Facing the payment needs across different countries and currencies, XTransfer provides a unified collection and management solution, allowing businesses to complete major payment and settlement processes without repeatedly handling complex banking procedures. Whether for daily small payments or long-term multi-currency, multi-market trade settlements, XTransfer makes cross-border fund transfers more efficient, secure, and compliant.
Use the exchange rate calculator below to quickly understand the conversion relationships between different currencies, providing reference for payment and settlement decisions.

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International Payments

What is the most recommended method for small and medium-sized enterprises to receive U.S. dollar payments in 2024?

In 2024, the most recommended US dollar collection method for small and medium-sized enterprises is a compliant third-party payment platform. Such platforms, such as XTransfer, are designed for B2B foreign trade scenarios and solve the problems of traditional bank account opening difficulties and opaque rates. It provides a comprehensive solution that integrates collection, exchange, and settlement of foreign exchange. All operations are online, which greatly reduces the threshold and operating costs of small and medium-sized enterprises. It is currently a safe, efficient and cost-effective choice.

After receiving U.S. dollar proceeds, how do I convert them into RMB and withdraw the funds to my domestic company’s corporate account?

The settlement and withdrawal process is usually very convenient: 1. Log in to your collection platform account and initiate a settlement application on the fund management or withdrawal page. 2. Enter the USD amount you wish to convert. The system will display the real-time reference exchange rate and the estimated RMB amount to be credited to your account. 3. Select or bind your domestic company's public bank account as a withdrawal account. 4. Submit the application after confirming that the information is correct. After the platform is approved, RMB funds will usually reach your company's public account within 1-2 working days.

The dollar paid by the customer is deducted by the bank for a high fee, how to avoid it?

This is usually due to the fact that remittances go through multiple intermediary banks, each of which charges a service fee. The best way to avoid high fees is to use a payment service that provides localized collection accounts. These accounts are set up in the buyer's country or region, and the buyer's payment path is shorter, just like domestic transfers, which can effectively reduce or eliminate intermediate bank fees. Before payment, confirm the best payment path to the service provider, but also effectively reduce costs.

Which is more suitable for me to collect money with my own Hong Kong company account or with a third-party platform?

It depends on the size and needs of your business:- **Hong Kong Corporate Account**: Suitable for businesses with large volumes and complex capital operations. The advantage is the freedom of capital dispatch, but the cost of opening an account and maintenance is high, and in recent years, the bank's examination of the authenticity of the trade background has become increasingly strict. -**Third-party platform**: More suitable for the vast majority of small and medium-sized foreign trade enterprises. The advantages are zero threshold or low threshold to open an account, low cost, focus on trade collection, strong compliance, and easy operation. For enterprises whose core demand is "foreign exchange collection and settlement", it is a more cost-effective choice.

When choosing a U.S. dollar-denominated bank account for receiving payments, what are some common pitfalls to watch out for?

When choosing a US dollar collection account, please avoid the following common "pits": 1. * * Hidden expenses * *: Be wary of platforms that advertise "zero rates" but have high foreign exchange losses or withdrawal fees, and be sure to ask about the composition of all expenses. 2. **Compliance Risk**: Do not use personal accounts or some lack of regulatory qualifications to collect money, which may lead to funds being frozen or even legal risk. 3. **Lack of customer service**: It is important to choose a platform that can provide timely and professional Chinese customer service support so that problems can be resolved quickly. 4. * * single function * *: a good platform can not only collect money, but also provide convenient settlement, multi-currency accounts, supplier payment and other value-added services.