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International Trade Payment - XTransfer

International Trade Payment

·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 Trade Payment

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 Trade Payment

Having a compliant cross-border e-commerce USD receiving account is the cornerstone for foreign trade companies expanding their global operations. It helps you safely and efficiently collect US dollar payments from global buyers and easily settle into RMB. Compared with traditional methods, professional B2B foreign trade collection platforms, such as XTransfer, greatly reduce the cost and time of collection by providing a local clearing network covering the world. At the same time, its strong anti-money laundering wind control system can ensure that every transaction is legal and compliant, allowing enterprises to go to sea with peace of mind.

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 Trade Payment

For SOHO foreign traders, which dollar collection account scheme is the best?

The best solution for SOHO foreign traders is to choose a collection platform with low opening threshold, flexible operation and low cost. XTransfer and other platforms that focus on serving small and medium-sized foreign trade enterprises are ideal choices. Its advantages are: 1. Free account opening: no company entity, some platforms support individual industrial and commercial households or personal identity account opening. 2. Cost controllable: pay on demand, no account maintenance fee, transparent collection rate, effective cost savings. 3. Service integration: Provide one-stop service from collection, exchange to online settlement, easy to operate, especially suitable for independent SOHO.

After receiving the US dollar payment, how can I settle the cash through the collection platform?

The foreign exchange settlement and withdrawal process is usually very convenient. The main steps are as follows: 1. Log in to the platform: Access your payment account dashboard. 2. Initiate FX Settlement: On the Funds Management or FX Settlement page, select the USD amount you wish to settle. 3. Submit declaration information: according to the national foreign exchange management requirements, submit the trade background materials corresponding to the payment online, such as contracts, invoices, etc. 4. Confirm the exchange rate and withdraw: the platform will provide real-time settlement exchange rate, after confirmation, you can withdraw RMB to your bound domestic bank account. The whole process can usually be completed within one working day.

Which account is most convenient for receiving U.S. dollars from European customers?

To collect USD from European customers, it is recommended to use a cross-border payment platform that supports local collection. These platforms usually have a local US dollar account in the US, to which your European customers can transfer money through their bank's international money transfer service (such as SEPA transfers via Correspondent Bank) or directly by wire. The benefits of this are: 1. Lower fees: Customers may enjoy more favorable local or regional transfer fees when paying. 2. Faster arrival: Compared to traditional transcontinental wire transfers, the capital path is shorter and the processing efficiency is higher. High acceptance: European customers are more familiar with this type of payment.

Which is more suitable for small and medium-sized foreign trade enterprises: an offshore account or a third-party payment platform account?

For small and medium-sized foreign trade enterprises, third-party payment platform accounts are generally more advantageous. 1. Opening threshold: The collection platform is simple and fast to open an account, and online application is sufficient. The offshore account opening process is complicated, the examination is strict, and the maintenance cost is high. 2. Fund processing: the collection platform focuses on small and high-frequency trade collection, convenient settlement; offshore account funds are subject to strict supervision, settlement and repatriation process is relatively cumbersome. 3. Comprehensive costs: collection platforms usually only have transaction fees, no account opening fees and management fees.

What are the evaluation criteria for cross-border collection platforms in terms of compliance?

To evaluate the compliance of a platform, we mainly look at the following key criteria: 1. License qualification: whether you hold a payment or financial service license in major markets (such as the United States, Europe, Hong Kong, etc.), which is the core certificate. 2. Anti-money laundering system: whether KYC (know your customer) and AML (anti-money laundering) wind control systems that meet international standards have been established to effectively prevent illegal transactions. 3. Data security: whether it has passed the international authoritative data security certification, such as PCI DSS, which can ensure the security of user data and transaction information. Transparency: Whether the transaction reporting process is clear and transparent, and whether it actively complies with the foreign exchange management regulations of mainland China.