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Payment Fees - XTransfer

Payment Fees

·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 Payment Fees

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

Payment Fees

For small and medium-sized enterprises engaged in B2B cross-border e-commerce, a stable and low-cost US dollar collection account is the key to opening up the international market. It aims to replace the traditional, cumbersome bank cross-border remittance process and provide a more modern digital payment experience. By choosing a professional service provider such as XTransfer, companies can not only gain the ability to collect global dollar payments safely and in compliance, but also enjoy optimized exchange rates and efficient fund settlement services, thereby improving capital turnover efficiency and focusing on core business growth.

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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Payment Fees

Could you recommend a U.S. dollar payment collection platform suitable for small and medium-sized foreign trade companies?

XTransfer is an excellent choice for small and medium-sized foreign trade enterprises. It deeply understands the collection pain points of small and medium-sized enterprises and provides low-threshold and low-cost solutions. Its core advantages include: 1. focus on B2B: the business model is completely designed around B2B trade, and the wind control and product logic are more in line with the needs of enterprises. 2. Global Accounts: Provide local collection accounts in multiple mainstream economies, allowing overseas buyers to pay like local transfers. 3. Sunshine settlement: to provide compliance settlement services, the capital path is clear and traceable. 4. Added value: Provide value-added services such as foreign exchange settlement tax refund and financing.

How do I withdraw funds to a domestic bank account after receiving USD?

The process of withdrawal of US dollars to domestic bank accounts is very convenient. It is usually divided into two steps: 1. Settlement: operate on the collection platform to convert US dollars into RMB. The platform will provide real-time, competitive exchange rates. 2. Withdrawal: Initiate a withdrawal order to transfer the converted RMB to your bound domestic company or personal bank account. The whole process is completed online, and the funds are generally received within 1 working day, which is more efficient and transparent than traditional methods.

Can an unincorporated person apply for a dollar collection account for a company?

Usually not. In order to comply with global Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations, financial institutions or payment platforms require that an account application be made by a legal representative of the company or a duly authorised director/officer. The application process requires the submission of a legal person's identification and may require face recognition verification. This is a key step in ensuring account security and preventing fraud and illegal activity. If it is inconvenient for the legal person to operate, other members of the company can be authorized to handle subsequent daily operations, but the initial certification must be completed by the legal person.

Which is better, an offshore account or a third-party payment platform's collection account?

Each has its own advantages and disadvantages; the choice depends on the specific needs of the enterprise. Offshore accounts have more comprehensive functions, similar to a complete overseas bank account, but with high opening thresholds, high maintenance costs and strict audits. The third-party payment platform account is more focused on collection and settlement of foreign exchange, the advantages are: 1. Easy to open an account: online application, fast review, low threshold. 2. Low cost: no account opening fees and maintenance fees, transaction fees transparent. 3. Simple operation: user friendly interface, designed for trade collection. For most small and medium-sized foreign trade enterprises, the third-party payment platform is a more cost-effective and efficient choice.

How is the security of cross-border e-commerce dollar collection accounts guaranteed?

The security of the account is mainly guaranteed through the following levels: 1. Supervision and license: Choose a platform that is supervised by financial regulatory agencies in many places and holds a payment license, which is the most fundamental guarantee. 2. Technical security: The platform should use data encryption, multi-factor authentication (MFA), risk monitoring and other technical means to protect account information and transaction security. 3. Anti-money laundering risk control: A strong risk control system can identify and intercept suspicious transactions and protect the platform and users' funds from illegal activities. 4. Fund isolation: A compliant platform will deposit its operating funds in complete isolation from customer funds to ensure the independence and security of customer funds.