Best Cross-Border Payment Platforms for Small Business

Transform your business with Tipalti’s comprehensive finance automation solution. Streamline your accounts payables, accelerate global payouts, simplify procurement processes, and optimize employee expenses, all through one integrated platform. With Tipalti’s technology, you'll improve operational efficiency, reduce costs, increase compliance, and gain greater visibility & control over your finances. Experience the power of automation and take your business to the next level. Includes extensive integrations with ERP and accounting platforms, including NetSuite, Sage Intacct, Xero, Microsoft soltuions and Quickbooks.

Melio is an accounts payable platform designed to simplify bill payments, improve workflows, and maximize cash flow efficiency. You can pay vendors online using bank transfers or credit/debit cards—even if they only accept checks—while Melio takes care of the manual tasks. Integrate seamlessly with QuickBooks and Xero to keep your accounting up-to-date. Melio allows you to pay through bank transfer or card, helping you extend your cash flow and gain rewards. Enter vendor or bill details manually, upload, or snap a photo of the invoice—it’s that simple. Schedule payments according to your cash flow plan and let Melio manage them. Additionally, you can pay international vendors in their local currency for services and products.

Exact Payments develops and delivers easy-to-integrate and highly scalable payments technology for SaaS companies to seamlessly embed payment flows into their software and activate a new, high-margin revenue stream. With Exact’s PayFac-as-a-Service solution, SaaS providers build frictionless buying journeys that enhance customer experience, improve retention, and increase the lifetime value of a customer by as much as 5x. Today, Exact processes >1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax.

Imagine your bank's bill payment - only better. All the features you need for bookkeeping, payments, and more are available in one platform. Corpay One's bill payment platform is bank-backed, allowing you to securely automate payments between your business and your vendors. With instant, hands-free bookkeeping, you can create comprehensive spending and approval guidelines. Corpay One allows you to send receipts and bills directly and automate data entry completely. Corpay One's unique Workflow builder makes it easy to automate everything, from accounting approvals to accounting. Corpay One pays vendors for you - hands-free. You can choose from: Check, ACH or virtual card. Sync everything in real-time to your accounting software, such as QuickBooks Online or Xero. Your team shouldn't be held back by tasks like bill payment, manual bookkeeping, and expense reports. We have created a powerful yet simple-to-use system that will help you grow and scale.

PayPal is used by 9 million merchants to grow, manage, and build their businesses. You can get the tools, products and financing you need to help your business grow. This includes everything from building a website and processing payments to shipping and marketing. We also offer business loans* that can be used to provide merchant financing to help you get started and continue to grow. You can get paid online or in person. We have the solution for you, whether you need online billing, a customized checkout for website, or a card reader to process on-the-go transactions. You can choose from a variety of products and services that will simplify your day-today operations such as tools to track payments and print shipping labels. Merchant lending options can help you quickly access the money you need now. You can also offer financing to your customers that allows them to pay over time while you get paid upfront.

Global business account. Everything you need to expand your business and do international operations -- without the high fees and hassle of a local bank. We protect your money in top financial institutions. We are an authorized financial service provider. You can pay invoices using the real exchange rate for 70+ countries right from your smartphone or app. 50% of payments arrive within an hour or less. All you need to get the recipient's bank details and email address is their email. To get paid, they don't have to have a Wise bank account. You can save time and money on international payroll, employee reimburses, and recurring payments. You can pay up to 1,000 people with one click. Simply upload a spreadsheet with the details of each transfer and submit one payment. To make payments easier, add team members to your account. All past payments are saved for future reference.

Connected consumers are always connected. You are too. It's time to provide simple, secure solutions that improve customer experience and increase your business. You can access the most advanced payment solutions from one company worldwide, eliminating the need to have multiple payment options. Our cloud-based solutions can be integrated with any enterprise payment system, allowing for seamless experiences across multiple channels. Accepting new payment types allows you to convert more sales, lower costs, and respond quickly to customer concerns and industry developments. Accepting customer payments from any device, at any time, and across all channels will simplify payment acceptance and increase your competitive advantage.

All your business needs can be managed from one place. You can get more out of your business account by using powerful tools that allow you to have complete control over your finances. Spend less time managing admin and more time focusing on what's most important - your company. Join over 500,000 customers on Revolut Business. No hidden fees for international payments. Multi-currency accounts let you hold, exchange, send, and receive funds in more than 28 currencies, at the actual (interbank) exchange rates. You get free international and local payments as part of your plan allowance. Also, you can transfer funds between Revolut Business accounts for no additional cost. Multi-Account organization is key to ensuring your business stays organized. Spend in more than 150 currencies at the Interbank (real) exchange rate. You can issue virtual and physical cards, track spending, and keep control of your entire team. Instantly automate your expenses and capture receipts using the app.

Payoneer allows you to scale your business internationally and domestically by providing a payments and working capital platform that is tailored for entrepreneurs. You can get bank account numbers in USD and EUR in CAD, AUD or JPY. Get paid the same way as a local bank account. In just a few clicks, you can connect with thousands of marketplaces to start receiving payments. Our Billing Service allows you to offer international clients an easy way to pay. Transfer your earnings to your local bank account at low interest rates or via ATM. Pay the VAT authorities in the EU or UK using the GBP or EUR funds in your Payoneer Account, with zero fees. You can reduce costs and streamline processes by paying contractors directly from your Payoneer account. Our network of integrated service providers will simplify your business, assist you in global growth, and provide benefits.

Rapyd is for fintech what the cloud was for IT. We connect companies to all payment methods around the world, enabling frictionless global commerce. This creates new opportunities for both businesses and individuals. So you can create great customer experiences and unlock new markets, we built the largest global local payments network. Rapyd is the fintech equivalent of the cloud. Our Global Payments Network connects you to all the payment methods available around the world. It also provides the infrastructure necessary to create your own fintech solutions like ewallets and cards. Rapyd allows digital sellers in Latin America to accept cash. Online shoppers in Asia can pay using their preferred ewallet. Businesses can also make payments to individuals and companies anywhere in the world. You can reach new markets, create new opportunities, and open new markets with over 900 payment methods in 100 different countries.

Your money is held until shipment is complete. If the shipment is delayed, you will get your money back. Once you ship the goods, your money will be released in full. If you fulfill your obligations, the buyer cannot withhold or deny payment. Tazapay, as a trusted third-party, holds the buyer's funds up until the vendor delivers service. Tazapay will release the funds to the vendor after verification of proof of service delivery. All escrow funds are secured and segregated with top banks, under the supervision of the mas. We handle all regulatory compliance and oversight so that you don't have! You can customize the milestones for payment release to meet your business's needs. Operational ability to perform KYC, KYB and verification of shipment documents, as well as B2B dispute settlement.

A suite of mobile payment and digitalization solutions that connect global brands to mobile-savvy consumers around the world. On a single platform, you can access multiple eWallets and payment methods around the world. Alipay+'s digitalized solutions and cross-border payments allow consumers to pay as if they were locals, using their preferred digital wallets or banking apps at millions of businesses. Alipay+ combines mobile payment apps that serve over 1 billion users. This gives your merchants greater benefits. Alipay+ eliminates the hassles of contract signing and negotiation with each mobile payment method. It also eliminates the need for separate integrations every time a new payment method is introduced. Alipay+ eliminates the need to worry about different currencies, terms, and specifications. Acceptance of online and in-store checkout. Multiple payment methods can be integrated into a single integration.

Unleash global growth. {From payments and collections to tailored risk management and unsecured financing, Ebury is your one-stop shop for all your international trade needs.|Ebury is the one-stop-shop for all your international trade requirements. From payments and collection to tailored risk management, unsecured financing and unsecured funding, Ebury has you covered.} Protect your business against exchange rate fluctuations and maximise profit margins by using competitive rates. Ebury is an international financial services company that empowers businesses of all sizes to do business internationally. The company offers a wide range of solutions including international payments, collections, foreign currency services in more than 130 currencies, cash management and business lending, risk and API integrations. Ebury's goal is to make international business more accessible, personal, and simple. This will allow businesses to maximize global growth potential. You can use our hassle-free and fast trade finance facility to fund your purchases. You can scale and streamline your online business with everything you need.

Sendwave is an online money transfer service which allows users to send money quickly and securely to their loved ones in selected countries across Africa and Asia. It also offers services to Latin America and the Caribbean. The platform offers low fees and competitive exchange rates, which ensures that more of your money will reach its intended recipient. Transfers can be done directly from your smartphone. This eliminates the need for physical locations and lengthy processes. Sendwave offers a variety of payout options including mobile wallets, bank deposits, and cash pickups depending on where the recipient is located. The service is available 24 hours a day, 7 days a week. Send money to your loved ones from your phone in seconds. If you need help, we are available 24/7 to chat. Link your debit card and verify your identity in minutes. Sendwave is on a mission to ensure that your money reaches your family and friends as quickly and safely as possible.

LINK is a Web3 cross border payment infrastructure that offers real-time settlements, traditional crossing-border rails and local payouts. We have created a custodial Treasury B2B dashboard to allow internet businesses to track, manage and distribute funds. Our white-label API solution is currently being shipped to Nigeria and Africa. We partner with Nigerian banks to offer instant payouts and reduce settlement risks. Any internet business can partner with us to connect to a staggering amount of crypto users and a large population of 1.2B+ Africans. We also have ongoing partnerships with various fintech platforms (both existing and emerging) that allow us to access local markets in Africa as well as their currencies.

Felix is a remittance system designed to make money transfers easier from the United States to Mexico Guatemala and Honduras. WhatsApp allows users to send money without having to download any additional applications or create a new account. The platform offers competitive rates of exchange and a fixed $2.99 commission fee per transaction. Cash pickups are available at partner locations, and funds are usually ready within 30 minutes. Transfers are processed instantly. Felix works with major remittance payees in these countries to ensure that recipients have access to their funds. The service is designed for Latinos living in the U.S. and who want to support their families at home. It offers a cost-effective and user-friendly solution for international money transfers. We combine Blockchain with Artificial Intelligence in order to disrupt the way remittances work today and build a future for cross-border payments.

Pay your recipients anywhere. Automated, fast, and efficient payouts. Trolley is an online payouts platform that's designed for today's internet economy. One integrated set of tools that automates payouts from beginning to end. Payouts to over 210 countries and territories. Automate recipient onboarding and payments, as well as tax compliance, through a payouts system. This will deliver a seamless experience for your recipients. Verify identity and create a best-in class recipient experience. Self-service white-label solutions streamline onboarding, KYC compliance and automate communication with recipients. Gain access to the largest global payment network, which offers flexible payout options for recipients and makes payouts faster than before.

Connected payments can unlock innovation. Connected payments allow you to adapt, innovate, and thrive by gaining more value for every transaction that flows through your business. You deserve more than just payments. These transactions are seamless thanks to our super-connected technology. You can get faster and more reliable transactions. Higher conversions Unbeatable insight and flexibility You can delight your customers and create new revenue streams. One API simplifies payments. It evolves with you and reacts to changes as they occur. Local acquiring in major markets, 150+ currency pairs and the most popular payment methods allows you to grow anywhere. Get a transparent view of all your payments data and immediate insights that can help you change the world. Learn how we can unlock your payments potential.

Automating the accounts payable process will increase efficiency, accuracy and speed of processing invoices and payments. AvidXchange accounts payable software does not replace your existing accounting software. We've instead built more than 210 interfaces between our AP Automation solutions and accounting software systems that are widely used in the middle market. Not your accounting system listed? Visit our Integrations page to learn more about the systems and ERPs AvidXchange is compatible with. AvidXchange’s cloud-based suite for invoice management and payment automaton can help your team become more efficient and save money. Receive, track, and approve invoices using the same workflow as today, but without inefficiencies or paper. Pay suppliers quickly and securely with the support of one of the largest supplier networks in the middle market.

Open an international money-transfer account for your business. Looking for an alternative to your bank? XE lets you pay your international invoices at competitive rates, quickly and easily. Need an expert to manage your FX? Our tools and technology can help you pay your overseas vendors at the right rate and time, so you can concentrate on your business. Are you worried about the impact of currency fluctuations on your bottom line? We will work with you to understand your business needs and develop strategies or solutions that are tailored to your specific requirements. XE offers comprehensive international money transfers and currency risk management solutions (hedging). Our team of foreign currency specialists works with businesses of all sizes in the United States to improve their FX results. You can get competitive exchange rates on your international payments. Online international transactions can be made in just a few moments.

You don't need to visit an agent. You can send 70 currencies to 130 other countries from your smartphone or computer. 90% of our transactions can be completed in less than a minute. Our industry-leading technology protects your money and ensures it arrives safely every single time. You will see our low fees and the best exchange rates upfront, with no hidden charges. Track your transfer via our app and send money from the US. WorldRemit allows you to send money online quickly and securely using your smartphone, computer, or our app. You are here. Your family and friends are thousands of miles away. WorldRemit allows you to bring home your home, no matter where it may be. Send a bank transfer to your loved ones instantly. It's simple and you can do it from your mobile or laptop. Over 130,000 bank transfers are sent worldwide every day. WorldRemit allows you to send money in four different ways.

TransferMate is a global leader in B2B-payments technology solutions. It processes billions of international payments for some of the most trusted brands around the globe. We have attracted significant strategic investments from top banks such as ING Group N.V. and Allied Irish Bank. TransferMate's innovative payments solutions can help you save time and money, no matter if you are a bank or business. No set-up costs, no fees, and back-end integration to our global banking network. Receive receipt confirmation and same-day payments You will always receive the correct amount, without paying any wire fees. Transparency from end to end on a fully regulated network. We transfer your local currency directly into the local account of your recipient in their currency. Lock in FX rates, eliminate wire charges, and reduce admin work. Integrate TransferMate global payments directly in your workflow. Your existing users will have smarter payment options through one platform.

Airwallex is a business account that is designed for global businesses. Your account includes multi-currency features, such as multi-currency business accounts. This allows you to collect and hold money in more than 11 currencies, while avoiding double conversions. Virtual debit cards can be issued quickly for you and your colleagues. Transfer money internationally in up 23 currencies without fees or waiting times. Integrate our API to enhance your platform product offerings and scale your business. International customers can invoice and accept payments in their preferred currency. You can easily connect your business accounts to popular platforms such as Amazon, eBay and Shopify. Pay out in the same currency or convert to USD and withdraw USD using current FX rates. In seconds, you can issue new virtual payment cards. All from our online platform, you can modify spend limits or revoke access.

Almond is part a new breed in cross-border financial innovations that moves money in new and agile ways. Almond API suite seamlessly bridges the worlds digital currency and fiat. It can reduce settlement time, cut costs, optimize settlements, and improve transparency. There is a lot of friction when you jump from one ecosystem to the next, as you do with cross-border payments. Almond Transfer Protocol expands the coverage by standardizing cross border communications between financial institutions and optimizing the conversion between digital and fiat currency. A transaction begins with a deposit in fiat money at the sending financial institution. It is then transferred cross-border as a digital currency via a network of digital currencies exchanges. It's then transferred to the beneficiary financial institution as a digital currency.

UnionPay International (UPI), a subsidiary of China UnionPay, is focused on the support and growth of UnionPay's global business. UnionPay International, in partnership with more than 2400 institutions around the world, has enabled card acceptance and issuance in over 70 countries and regions. UnionPay International offers high-quality, cost-effective and secure cross border payment services to the largest cardholder base in the world. It also provides convenient local services for a growing number global UnionPay cardholders as well as merchants. UnionPay Online Payment is accepted by more than 10,000,000 overseas merchants. These merchants can be found in more than 200 countries and regions, including Hong Kong. Macau, Europe. The merchants cover a variety of areas, such as online travel booking, tuition payment, airline reservations, and retail. UnionPay online payment is designed for cross-border payment security.