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Multiple options for global payments
Payment methods for money transfers
Xe offers multiple payment methods to simplify international money transfers for businesses. Choose ACH (U.S.), EFT (Canada), or wire transfer (global) to send money in over 130+ currencies to 190+ countries.
ACH direct debit (U.S. only)
Choose ACH payments for US-based businesses
Xe business customers in the US can send money using ACH transfers. You’ll need to authorize a one-time debit from your bank account, making it ideal for small to mid-sized transfers. Delivery times range from 1-5 business days, with zero transfer fees, and daily limits up to $25,000 USD.
EFT (Canada Only)
Simple EFT transfers for Canadian businesses
Canadian businesses can use EFT (Electronic Funds Transfer) for secure and straightforward international payments. EFT allows a one-time debit from your Canadian bank account. With delivery times of 1-5 business days, zero transfer fees, and daily limits up to $33,000 CAD, it’s an efficient way to pay suppliers and employees abroad.
Wire or Bank Transfer (Global)
Send up to 15 million USD in a single wire transfer
Available to all Xe business customers, wire (bank) transfers offer the fastest solution for international payments. This method is ideal for large transactions, with funds reaching Xe in 2 business days and recipients within 24 hours of processing. With zero transfer fees, daily limits of up to $15 million USD, and support for over 190 currencies, wire transfers provide a secure and efficient way to handle business payments.
How to choose a payment method
When choosing the best payment method, consider factors like speed, cost and convenience.
How quickly do you need your recipient to receive the money?
For urgent payments, wire transfers are the fastest option, with funds delivered within 24 hours of processing after reaching Xe. ACH and EFT have delivery times of 1-5 business days.
Which payment method is the most cost-effective for your business?
All Xe business payment methods have zero transfer fees, which can save your business money compared to traditional banks. However, you may be charged fees when making same currency payments.
Is the payment method available for your business based on your location?
Your available payment methods depend on your location. ACH is available for US-based businesses, EFT is designed for Canadian businesses, and all businesses can use wire (bank) transfers.
Which payment method is the easiest for you and your recipient to use?
ACH and EFT require a one-time bank authorization, making them ideal for recurring or regular transactions. Wire transfers are best for sending large amounts or processing immediate payments.
Call our agents (Global)
Speak with an Xe agent for business payments
We’re always happy to assist our business customers with international transfers. Our Customer Care Team, featuring currency experts, offers support via live chat, phone, or email. Speak with an Xe agent today!
No limits and zero fees
Xe business customers benefit from *zero fees
Unlike traditional banks that charge hefty fees, Xe business customers enjoy zero fees on most international transfers - *subject to Xe's terms and conditions. Choose a payment method tailored to your location and business needs, and send money to over 190 countries in 130 currencies.
How to add a payment method to your Xe business account
You can easily add a new payment method to your account by following these simple steps:
1. Log in to your account
Log in to your Xe business account and navigate to the 'Payment Methods' tab. Select this tab to view your payment options.
2. Choose a new payment method
Choose to add a new payment method or edit an existing one. The available payment methods will vary based on your region.
3. Add your bank information
You’ll see a list of the banks we support. Select your bank or use the search function to find it. You can also manually link a bank account.
4. Authenticate your bank
Complete the secure authentication process to link your account. Once added, you can start using your new payment method.
Ready to make an international business payment?
Add a payment method to your Xe business account today and start making fast and secure payments. Our business team is here to help you decide whether ACH, EFT, or wire transfer is the best option for you.
Payment methods FAQ
Xe offers three payment options for international business transfers:
ACH for U.S. businesses
EFT for Canadian businesses
Wire transfers for all global business customers
EFT is a direct debit payment method available to Canadian Xe business customers. Recipients receive funds within 1-5 business days, with no transfer fees and a daily send limit of $33,000 CAD.
ACH is a direct debit payment method that Xe business users in the U.S can use to fund transfers. With daily send limits up to $25,000 USD, no transfer fees, and a delivery time of 1-5 business days, it's perfect for small to mid-sized transfers.
All Xe business payment methods are free of fees, helping your business save money in comparison to traditional banks. However, you may be charged a small flat fee when making same currency transfers.
To add a new payment method:
Log in and go to the “Payment Methods” tab
Select “Add” or “Edit”
Choose your bank from the list or enter details manually.
Authenticate your bank account to link your account.
Once added, you can start using the new method immediately.
Xe is suitable for businesses of any size including startups, small businesses, mid-market companies, and enterprises. Our scalable solutions work grow with your business and can be customized to fit your unique needs.
Make international money transfers in 130 currencies across 190 countries. Xe's global network helps businesses stay flexible and connected for global business operations.
Wire transfers are ideal for large payments due to their daily send limit of $15 million USD. Funds usually arrive at Xe within 2 business days and are delivered to the recipient within 24 hours. Any Xe business customer can use a wire transfer.