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Affordable payment solutions
Global payments for small businesses
Xe helps small businesses make a big impact with smart, cost-effective international payment solutions. With over 30 years of currency expertise, we deliver fast, secure money transfers tailored for your needs.
Scheduled payments
Schedule payments for your small business
Plan ahead and ensure on-time payments to international recipients. Schedule transfers 6 to 24 months in advance, with monthly or quarterly options, so your small business can maintain reliable cash flow.
Fast transfers for small businesses
Our international payment solutions provide a solid foundation for small business success, offering fast, reliable money transfers that you and your recipients can count on.
Fast transfers
Use Xe to send money to international suppliers and employees. They’ll receive their payment within 1-5 days and you’ll maintain a steady cashflow.
Reliable payments
We're trusted by 15,000+ businesses to make timely global transfers each year. Plus, we provide accurate rates so you get the best value available.
Responsive support
Our support team is here to help with any questions or issues you may have. We offer responsive assistance and are dedicated to resolving your concerns.
Real-time exchange rates
Accurate rates, low fees, cost-effective transfers
Save on transaction costs with competitive exchange rates and low fees. Real-time updates and flexible rate options ensure your small business gets the best value for international payments.
ACH, EFT and wire transfers
Choose the payment method that works best for your small business
U.S. customers can link their bank accounts to process ACH transfers in 1-5 days, while Canadian customers can make EFT bank transfers within the same timeframe. Wire transfers are available for all customers.
How to make global payments for your small business
We get that running a small business demands your attention. Thats why we've made it easy to set up a small business account so you can start sending money as quickly as possible.
Create an account
Sign up for a free Xe business account in under 5 minutes by entering your small business details and verifying your identity. Already have an account? Just log in.
Get a quote
Choose the destination country, select the send and recipient currency, and specify how much you want to send. Xe will provide a quote with the estimated transfer costs for you.
Add your recipient
Fill in the recipient’s bank information, including addresses, account number/IBAN, and SWIFT/BIC code. Verify the details to avoid delays or errors.
Send money
Choose the payment method that works best for your small business, such as wire transfer, ACH, or EFT. Send the money and track its progress straight from your account.
Fraud and security
Fraud prevention and secure transactions
Xe safeguards your small business with advanced features like two-factor authentication, biometric verification, and constant monitoring for fraud. Our regular scans ensure your transactions stay safe and secure.
Mass payments
Mass payment solutions for small businesses
Simplify payroll and supplier payments with Xe’s mass payment options. Make up to 250 transfers in one go using our intuitive platform or integrate it seamlessly into your financial systems with our API.
Start saving on international payments for your small business today
Create a small business account today and start sending money overseas with confidence as you grow.
Small business FAQ
To get started:
Select your destination country and how much you want to send. You'll receive a quote with your estimated costs.
Add your recipient details like their payment information, address, and name. Review that details are correct to avoid errors.
Verify your identity to confirm it's really you. When verifying your business, we may require additional documentation.
Choose a payment method that aligns with your small business to fund your transfer. Business users can choose from wire transfer, ACH, or EFT.
Track real-time progress of your payment through your Xe account.
Our global payment solutions are built to match your needs whether you are making a one-time transfer or recurring business transactions. Our different international payment options include:
Spot transfers: Send money at the current exchange rate. These are ideal for quick, one-time payments.
Scheduled payments: Set up your transfers in advance for timely payments. Choose the send amount, date, and frequency, and Xe will handle the rest.
Mass payments: Make up to 250 transfers in a single request, saving you time and effort.
Limit orders: Set your target rate and wait for the market to hit it. Xe will automatically process your transfer so you don't have to watch the rates.
Forward contracts: Lock in today's rate for a future transfer up to 24 months in advance. For contracts set further out than 12 months, you will need Xe's credit team approval.
Xe's global payment solutions benefit small businesses in more ways than one. This is what Xe can do for your small business:
Access competitive, real-time exchange rates
Benefit from low fees
Mitigate risk with Xe's FX risk management options
Use Xe's innovative technology including our ERP integrations and APIs
Enhance your global connection with 190+ countries and 130+ currencies available
Transfers typically take 1-5 business days to arrive, depending on the destination, currency, and payment method.
Direct Debit (ACH/EFT): Recipients will receive your payment within 1-5 business days.
Wire Transfer: Funds typically take up to 24 hours to deliver once Xe has received your money. It can take up to 2 days for us to get your money once the transfer has been initiated.
We offer competitive rates with low transaction fees, making Xe an affordable and cost-effective choice. Most international payments come with zero transfer fees, but same currency transfers may require a small fixed fee.