XTransfer
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Payment Options - XTransfer

Payment Options

·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 Options

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 Options

For enterprises engaged in B2B international trade, having a secure and compliant cross-border e-commerce dollar collection account is the core of ensuring smooth capital flow. This type of account can help companies receive US dollar payments from all over the world and provide convenient settlement services. Professional cross-border payment platforms such as XTransfer ensure that every transaction is secure and transparent by building a global multi-currency unified clearing network and anti-money laundering wind control infrastructure, greatly simplifying the foreign trade collection process and enabling enterprises to focus more on 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.

USDUSD
CNYCNY
USDUSD
IDRIDR
MYRMYR
IDRIDR
CNYCNY
VNDVND
USDUSD
VNDVND
CNYCNY
USDUSD
USDUSD
NGNNGN
CNYCNY
IDRIDR
USDUSD
MXNMXN
USDUSD
EUREUR

Payment Options

What is the most convenient US dollar collection account for foreign trade SOHO?

Foreign trade SOHO is most suitable for the use of low threshold to open an account, flexible operation and low cost of the collection account. Recommend a platform designed for small and medium-sized foreign trade enterprises like XTransfer. It supports personal identity registration (individual industrial and commercial households or enterprises need to be associated), provides global collection, exchange and wind control services of the same level as large enterprises, solves the problems of difficult collection and high cost of SOHO, and is safe and efficient.

How do I convert the money in the US dollar collection account into RMB for withdrawal?

The operation process is usually very simple: 1. Log in to your collection platform account background. 2. After the account receives the US dollar, it initiates the settlement application in the background. 3. The system will convert US dollars into RMB according to the real-time exchange rate. 4. Bind your domestic bank card and submit withdrawal instructions. Funds usually reach your bank account within 1-2 working days. The entire process is completed online, making it quick and convenient.

Customers pay in US dollars with PayPal. Can I receive it in my account?

This depends on the type of your receiving account. Most B2B third-party collection accounts (such as bank accounts or XTransfer platform accounts) mainly receive bank wire transfers (T/T) and usually do not directly support withdrawals from PayPal balances. You need to withdraw PayPal's funds to its supported bank account before transferring them to your foreign trade collection account. It is recommended to communicate with buyers and pay directly by wire transfer, which makes the process smoother.

Which is good for a Hong Kong offshore account or a third-party dollar collection account?

Each has its own advantages and disadvantages; the choice depends on business requirements. 1. Hong Kong offshore accounts: high degree of freedom to retain funds, but the threshold for opening an account is high, maintenance costs (annual audit, audit) are expensive, and bank audits have become stricter in recent years. 2. Third-party US dollar collection account: convenient account opening, zero or low maintenance cost, designed for trade collection, simple operation. For most small and medium-sized foreign trade enterprises, third-party accounts are more cost-effective and time-sensitive options.

Can a cross-border receiving account be frozen? How can this be avoided?

Yes, the main reason is suspected of illegal operation. In order to avoid freezing, please be sure to: 1. Ensure that the trade background is true and prevent false transactions. 2. Refuse to accept payments from high-risk or sanctioned countries/regions. 3. Do not engage in money laundering, splitting, collection and payment through accounts. 4. Actively cooperate with the compliance review of the collection platform and provide the required transaction documents in a timely manner. Compliant operations are the foundation for ensuring account security.