Best Cross-Border Payment Platforms in the USA
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Compare the Top Cross-Border Payment Platforms in the USA as of July 2025
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What are Cross-Border Payment Platforms in the USA?
Cross-border payment platforms facilitate the seamless transfer of money across different countries, enabling individuals and businesses to conduct international transactions efficiently. These platforms provide a secure and cost-effective alternative to traditional banking systems by leveraging digital technology and streamlined processes. They often support multiple currencies, offer competitive exchange rates, and ensure compliance with global financial regulations. Popular use cases include remittances, ecommerce transactions, and international business payments. By reducing transaction times and fees, cross-border payment platforms play a crucial role in connecting the global economy and fostering international trade. Compare and read user reviews of the best Cross-Border Payment platforms in the USA currently available using the table below. This list is updated regularly.
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1
AvidXchange
AvidXchange
AvidXchange modernizes how middle market businesses manage expenses and payments with AI-enhanced software and support from real people. With 25 years of experience, our solutions automate manual tasks, reduce costs, and streamline your AP process, so you can focus on what matters most. Featuring one of the largest supplier networks in the middle market, AvidXchange offers in-depth industry expertise across real estate, community association management, healthcare, hospitality, education, hospitality, and nonprofits, as well as construction, financial services, and media through the acquisition of Core Associates, BankTEL, and FastPay. Why AvidXchange? - Trusted by 8,000+ businesses to digitize and automate AP workflows - 1.2 million suppliers paid through the AvidPay Network in the last five years - 240+ accounting system and ERP integrations Increase efficiency, visibility, and control in your AP process. Learn more at avidxchange.com -
2
Melio
Melio
Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, enjoy 90% off any premium plan for the first three months. Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances toStarting Price: Free -
3
PayPal
PayPal
9 million merchants rely on PayPal to build, run, and grow their business. Get the tools, products, financing, and support you need to help establish or grow your business – from processing payments and building a website to shipping and marketing. We even give you access to business loans* that can provide merchant funding to help you start and drive future growth. Get paid online or in-person. Whether you need online invoicing, a customized checkout for your website, or a card reader for processing on-the-go transactions, we have a solution for your business. Choose from a selection of products and services designed to simplify your day-to-day operations, like tools for tracking payments, printing shipping labels, and so much more. Explore merchant lending options that can provide you with fast access to the money your business needs now, plus a way to offer your customers financing that lets them pay over time, while you get paid upfront.Starting Price: Free -
4
Exact Payments
Exact Payments
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 nearly 1 billion transactions annually for prominent customers, including Chase, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact is integrated with leading processors in the US and Canada, including Elavon, Fiserv, Global Payments/TSYS, Chase Canada, and Moneris. Our payment solutions are designed for performance and reliability, supporting over 10,000 merchant clients and delivering 99.99% uptime availability with transaction response times of less than 1 second.Starting Price: Free -
5
Payoneer
Payoneer
Payoneer empowers you to scale your business globally and domestically with a payments and working capital platform designed for today’s entrepreneur. Receive bank account numbers in USD, EUR, CAD, AUD, JPY, MXN & more and get paid as easily as having a local bank account. Connect with thousands of marketplaces and start getting paid within a couple of clicks. Offer your international clients a simple way to pay you with our Billing Service. Transfer your earnings to your local bank account at low rates or via ATM. Pay the VAT authorities in the EU and UK with the GBP and EUR funds in your Payoneer account, for zero fees. Reduce costs and simplify processes by paying your contractors from your Payoneer balance for free. Leverage our network of integrated service providers to simplify your business, help you grow globally and enjoy benefits. -
6
Wise
Wise
The only business account you need to go global. Everything you need to grow your business and operate internationally — without the high fees, hefty admin, and headache of a local bank. We safeguard your money in top financial institutions. We're an authorized financial services provider. Pay invoices with the real exchange rate in 70+ countries from your phone or app. 50% of payments are instant or arrive in an hour. All you need is your recipient’s bank details or email. They don’t need a Wise account to get paid. Save time and money on international payroll, employee reimbursements, or recurring payments. Pay up to 1,000 people in one click. Just upload a spreadsheet with details for each transfer and submit one payment. Add team members to your account to help with payments. All past payment info is saved for the future. -
7
Corpay One
Corpay
Picture your bank’s bill pay - only better. Get built-in bookkeeping, payments and more in ONE complete platform. Corpay One's bill pay platform is bank-backed to securely automate payments from your business to your vendors. Create comprehensive spending and approval rules, with instant, hands-free bookkeeping. Send bills and receipts directly to Corpay One and automate data entry entirely. Automate everything from approvals to accounting with Corpay One's one-of-a-kind Workflow builder. Corpay One pays vendors for you - hands-free. Choose from: Check, ACH, virtual card or international wire. Sync everything to your accounting system, like QuickBooks Online or Xero, in real time. Tasks like bill pay, manual bookkeeping and expense reports shouldn't hold your team back from reaching your true potential. We've built a powerful, yet easy-to-use solution that helps you scale and grow. -
8
Tipalti
Tipalti
The only solution to automate your end-to-end payables process. Automate your full accounts payable, global payouts, procurement and employee expense processes with Tipalti and eliminate 80% of your manual workload. Tiplati enables you to onboard suppliers, partners and freelancers with ease, streamline PO generation, accelerate approvals, eliminate invoice entry and make fast global payments to 190 countries in local currency. Also includes global tax compliance, 2 & 3 way PO matching, multi-entity support, and instant reconciliation with ERP integrations that include NetSuite, Xero, Quickbooks and Sage Intacct.Starting Price: $129 USD, £119 GBP, €129 EUR -
9
Revolut
Revolut
One place to manage all things business. Get more from your business account with powerful tools that give you total control over your finances. Spend less time on admin and more time focused on what’s important – your business. Join the 500,000+ customers on Revolut Business. Send and receive international payments, with no hidden fees. Multi-currency accounts allow you to hold, exchange, send and receive funds in 28+ currencies - always at the real (interbank) exchange rate. Free international and local payments within your plan allowance, and free transfers between Revolut Business accounts. Stay organized with multiple accounts for your business needs. Spend in over 150 currencies at the real (Interbank) exchange rate. Stay in control – issue physical and virtual cards, track spending in real-time for your entire team. Automate your expenses and capture receipts in the app instantly.Starting Price: $32.00/month -
10
Worldpay
FIS
Connected consumers are always on. And so are you. From POS systems to integrated card payments to cross-border payments, online or off, it's time for simple and secure solutions that advance your customer experiences and your business. Access the most advanced payments solutions from one global company, eliminating the need for fragmented payment capabilities. Our cloud-based solutions integrate with any enterprise payment system to deliver seamless experiences across multiple channels and platforms. Accept new payment types, convert more sales, reduce costs and proactively respond to customer concerns and industry changes. Simplify payment acceptance, increase your competitive advantage, and improve your bottom line by accepting customer payments anywhere, any time, on any device and across channels. -
11
Tazapay
Tazapay
Expand globally with Tazapay, your cross-border payment gateway. Simplify international transactions without local entities. Simplify with Tazapay, a unified platform for efficient worldwide payment collection. Your money is securely held until the shipment is completed and you get your money back if the shipment is delayed. Your money is released in full as soon as you ship the goods. Buyer cannot withhold or deny your payment if you meet your obligations. As a trusted third party, Tazapay holds the buyer’s funds until the vendor delivers the service. Tazapay releases the funds to the vendor upon verification of the proof of service delivery. All escrow funds are segregated and safeguarded with leading banks, under the jurisdiction of the mas. We take on the compliance and regulatory overhead so you don’t have to. Milestones for payment release can be customized to suit your business needs. Operational capability to do KYC, KYB, and verification of shipment documents.Starting Price: $2 per month -
12
Alipay Plus
Alipay
A suite of cross-border mobile payment and digitalization technology solutions connecting global brands with mobile-savvy consumers worldwide. Access multiple e-wallets and payment methods worldwide on a single platform. Cross-border payments and digitalized solutions from Alipay+ enable consumers to pay like a local, using their preferred digital wallets and banking apps with millions of businesses. A one-time integration with Alipay+ aggregates mobile payment apps serving over 1 billion users, bringing your merchants more benefits. Alipay+ removes the hassle of negotiation and individual contract signing with each mobile payment method, as well as separate integrations each time a new method is introduced. With Alipay+, there's no need to worry about different specifications, currencies, and terms. Online and in-store checkout acceptance. A single integration for multiple payment methods.Starting Price: Free -
13
Ebury
Ebury
Unleash your 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. Protect your business from exchange rate fluctuations and optimise profit margins with competitive rates. Ebury is a global financial services firm dedicated to empowering businesses of all sizes to operate internationally. The company offers a comprehensive suite of solutions, including international payments and collections, foreign exchange services in over 130 currencies, cash management, business lending, risk management, and API integrations. Ebury's mission is to make international trade more accessible, simple, and personal, enabling businesses to maximize their global growth potential. Access our fast and hassle-free trade finance facility when needed to fund your purchases. Everything you need to streamline operations and scale your online business.Starting Price: Free -
14
Sendwave
Sendwave
Sendwave is a digital money transfer service that enables users to send funds quickly and securely to loved ones in select countries across Africa, Asia, Latin America, and the Caribbean. The platform offers competitive exchange rates and low fees, ensuring that more of your money reaches its intended recipient. Transfers can be made directly from your smartphone, eliminating the need for physical locations or lengthy processes. Sendwave supports various payout options, including bank deposits, mobile wallets, and cash pickups, depending on the recipient's location. The service is available 24/7, providing assistance whenever needed. Skip the line and send money from your phone to your loved ones in seconds. We are available to chat 24/7 if you need any help. Link your debit card, verify your identity, and send in minutes. At Sendwave, we're on a mission, to make sure your money gets to your friends and family, as safely and effortlessly as possible.Starting Price: Free -
15
Gigapay
Gigapay
Gigapay is a payment solution enabling businesses to pay creators anywhere, on demand while offloading onboarding and procurement obligations. It offers a streamlined payment infrastructure that allows businesses to save time, mitigate risks, and operate more efficiently. Key features include compliance with local regulations in over 40 markets, the ability to work with individual creators, and easy self-onboarding for creators. Gigapay also facilitates global payments by allowing businesses to generate batch payments, simplify bookkeeping, and pay vendors in accordance with local regulations. It supports local payout options for vendors, consolidates invoices per payout currency, and offers multi-currency pay-in options. Additionally, Gigapay provides tax management services, assisting businesses in complying with local regulations, including KU14 reporting of transactions, DAC7 reporting, and support with withholding and image rights policies.Starting Price: €279 per month -
16
Cleverbridge
Cleverbridge
A configurable platform that has everything you need to sell online; around the world. Additionally, our expert growth services make sure you have all the tools to hit revenue targets and ensure customer satisfaction, where ever, whenever. Sell your products and services around the world, focusing on your core business. In the background, we will navigate international taxation and compliance, ensure localized checkout experiences, manage fraud and everything else, enabling you with a host of best-in-class solutions. Take charge of complicated pricing, billing and payment processing no matter the situation with easy-to-use, adaptable solutions for B2B and B2C. B2B users expect an experience that at least equals their day-to-day digital lives. Our solutions leverage 15 years of eCommerce experience to fit the needs of B2B clients and their customers. -
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Félix
Félix
Félix is a remittance service designed to simplify money transfers from the United States to Mexico, Guatemala, and Honduras. By leveraging WhatsApp, users can send funds without the need to download additional applications or create new accounts. The platform offers competitive exchange rates and a fixed commission fee of $2.99 per transaction. Transfers to bank accounts are processed instantly, while cash pickups at partner locations are available, with funds typically ready within 30 minutes. Félix collaborates with major remittance payers in these countries, ensuring broad accessibility for recipients. The service is tailored for Latinos residing in the U.S. who wish to support their families back home, providing a user-friendly and cost-effective solution for international money transfers. We combine Blockchain and Artificial Intelligence to disrupt how remittances are done today and build the future of cross-border payments.Starting Price: $2.99 per transaction -
18
Trolley
Trolley
Pay your recipients, anywhere. Fast, efficient, automated payouts. Trolley is a modern payouts platform designed for the internet economy. One set of integrated tools offering end-to-end payouts automation. Enabling payouts worldwide to 210+ countries and territories. Automate recipient onboarding, payments, and tax compliance through one payouts system that delivers a seamless experience to your recipients. Verify identity and build a best-in-class recipient experience. Streamline onboarding, KYC compliance, and automate communication to recipients with a self-service, white-label solution. Gain access to one of the broadest global payment networks, offering flexible payout options to recipients, and making payouts faster than ever.Starting Price: $49/month -
19
XE
XE
Open an international money transfer account for business. Are you looking for an alternative to the bank? Pay your international invoices quickly, easily and securely at competitive rates with XE. Need an expert to handle your FX? Our tools and technology will help you pay your overseas suppliers at the right time and rate, so you can focus on your business. Worried about currency fluctuations impacting your bottom line? We'll get to know your business requirements and develop tailored strategies or solutions to support you. XE provides comprehensive international money transfer and currency risk management (hedging) solutions. Our team of foreign exchange specialists work with United States businesses of all sizes to improve their FX outcomes. Access competitive exchange rates for your international business payments. Make international transactions online in just a few minutes. -
20
WorldRemit
WorldRemit
No need to visit an agent. Send 70 currencies to 130 countries, from your smartphone or computer. 90% of our transactions are completed in minutes. We use industry-leading technology that protects your money and guarantees it arrives safely every time. See our low fees and our best exchange rates up front, with no hidden costs. Send on the go from the US and track your transfer with our app. WorldRemit is a fast and secure service that lets you transfer money online using a computer, smartphone, or our app. You’re here. But your friends and family are thousands of miles away. Wherever home is for you, bring it closer with WorldRemit. Send a bank transfer direct to your loved ones’ banks instantly. It’s easy and you can do it on your laptop or mobile. We send over 130,000 bank transfers worldwide. But remember, a bank transfer is just one of four ways of sending with WorldRemit. -
21
TransferMate
TransferMate
TransferMate is a leading, global B2B-payments technology solution, processing billions in international payments for the world’s most trusted brands. We have attracted major strategic investments from leading banks including ING Group N.V and Allied Irish Bank. Whether you are a bank, business or university, TransferMate can save you time and money with our innovative payments solutions. Easy to use, no set up costs, and back-end integration with our global banking network. Same-day payments and receipt confirmation. Receive the correct amount every time, eliminating expensive wire fees. End-to-end transparency on a fully regulated network. We transfer your local currency directly to your recipient’s local account in their currency. Lock in FX rates, eliminate wire fees, and reduce admin workload. Embed TransferMate global payments directly into your current workflow. Give your existing users smarter payment options on one platform. -
22
Airwallex
Airwallex
Airwallex is the business account built for global businesses. Your account comes standard with features like multi-currency business accounts, so you can collect and hold money in over 11 currencies while avoiding double conversions. Issue virtual debit cards for you and your team in seconds. Transfer money internationally in up to 23 different currencies, without the excessive fees and transfer wait times. Integrate with our API to improve your platform product offering and scale your business. Invoice and accept payments from international customers in their preferred currency. Seamlessly connect your business accounts with popular platforms like Amazon, eBay, Shopify and PayPal. Pay out in the same currency, or convert and withdraw in USD using outstanding FX rates. Issue new virtual payment cards in seconds. Change spend limits and revoke access, all from our online platform. -
23
Almond
Almond FinTech
Almond is part of a new breed of cross-border financial innovations that move money in nimble new ways. By seamlessly bridging the worlds of fiat and digital currency, the Almond API suite is able to reduce settlement time, slash costs, and optimize settlements, while offering new levels of transparency. When you’re leaping from one ecosystem to another as you are with any cross-border payment, there’s a tremendous amount of friction to overcome. The Almond Transfer Protocol expands coverage by standardizing cross-border communications between financial institutions, then optimizing the conversion between fiat and digital currency. A transaction starts with a deposit in fiat currency at the sending financial institution. It’s then transferred cross-border in the form of a digital currency through a network of digital currency exchanges. Finally, it’s transferred back from digital currency to fiat currency at the beneficiary financial institution. -
24
UnionPay
UnionPay
UnionPay International (UPI) is a subsidiary of China UnionPay focused on the growth and support of UnionPay’s global business. In partnership with more than 2400 institutions worldwide, UnionPay International has enabled card acceptance in 180 countries and regions with issuance in 70 countries and regions. UnionPay International provides high quality, cost effective and secure cross-border payment services to the world’s largest cardholder base and ensures convenient local services to a growing number of global UnionPay cardholders and merchants. At present, more than 10 million overseas online merchants accept UnionPay Online Payment. These merchants are based in 200 countries and regions, including Hong Kong, Macau, Europe, the US, Japan, South Korea, covering fields of retail, online travel booking, tuition payment, airline reservation etc. UnionPay online payment is designed to ensure the safety of cross-border online payment. -
25
SwooshTransfer
SwooshTransfer
The mission of SwooshTransfer is to make cross-border payments and collections easy, secure, fast, and cost-effective. We bring integrity and security. Aim to increase conversion rates at every step of the payment process Smart payment solutions that automatically reduce fraud and non-payment through machine learning. Developed to make the collection and reconciliation of payments from anyone, anywhere in the world, a straightforward and cost-effective process for both institutions and students. Dedicated to removing the pain points of both patients and healthcare providers by streamlining the cross-border payment process and improving customer experience. SwooshTransfer Ltd is an FCA-regulated FinTech that provides secure, convenient, and inclusive cross-border payment services to users worldwide. We provide the ability of upgraded technical capabilities such as blockchain and AI risk control. We can provide lower cost, faster, more secure global payment services. -
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Tranglo
Tranglo
We simplify cross-border payments so you can focus on keeping your customers happy. Transform your foreign remittance, business and mobile payments today. Money service businesses can connect customers with more countries and let them send money home quickly. Single platform for corporates to send and receive cross-border payments easily. International airtime top-up, mobile recharge and bill payment solutions. The largest telco in the Middle East gets a massive boost to its mobile and airtime network to benefit over 7 million active users instantly. Our foreign remittance solution for you to start letting your customers send money home quickly, safely and reliably. If you have a mobile app or an internal payment system, choose our intelligent API with real-time monitoring. Access everything: technical specification, source codes and more. Use our intuitive live test to get a feel of our API. -
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LINK
LINK
LINK is a Web3 cross-border payment infrastructure that provides real-time settlements, traditional cross-border rails, and local payouts. We've built a custodial treasury B2B dashboard that enables internet businesses to keep track, manage, and distribute funds. Currently shipping out our white-label API solution for on- and off-ramps in the Nigerian market and Africa at large (coming soon) We work with major local banks in Nigeria to provide instant payouts and fully mitigate settlement risks rampant in the payment industry in Africa. Partnering with us connects any internet business to a whopping amount of crypto users and a population size of 1.2B+ in Africa, coupled with other ongoing partnerships with various fintech platforms (both current and emerging) that enable us to access local markets in Africa and their different currencies. -
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PPRO
PPRO
Boost your business by offering a tailored mix of preferred local payment methods to enhance customer experience and drive growth. Scaling a business is challenging, especially when expanding into new markets. We monitor payment trends, handle the technical complexities, and manage contracts and integrations, allowing you to focus on seizing new opportunities. By letting your customers pay how they prefer, we remove shopping friction and help you grow into new markets. With PPRO, you build once and connect to a world of local payment methods, allowing you to access and serve new customers worldwide without building and maintaining countless integrations and relationships. -
29
XTransfer
XTransfer
One-stop multi-currency account to help you receive, pay and exchange foreign exchange globally. Security and compliance, 7*24 seconds to fund transfer, preferential exchange rates, ultra-low costs, online operations, all can be easily achieved with one account! The safe choice for 550,000 import and export companies to trade efficiently. No longer worry about fund security. With the Money Service Operator (MSO) license, we cooperate with large domestic and foreign banks, have a complete anti-money laundering and anti-fraud risk control system, and an artificial intelligence risk control system to help suppliers complete anti-money laundering reviews and cross-border currency declarations, and remit funds to the mainland through legal channels. -
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Tenpay
Tenpay
Creating a new, open, diverse, and inclusive borderless payment network together. Tenpay Global harnesses Tencent's Financial Technology (FiT) ecosystem, technology, risk management, compliance, and big data capabilities to assist global financial institutions and partners in connecting with users and businesses. Together, we create secure, convenient, and inclusive financial products and services, comprehensively addressing the cross-border capital needs of users and businesses. Tenpay Global, your gateway to seamless cross-border payments and personal remittances, bridges the world’s payment networks with Weixin's ecosystem in China. We’re reshaping the global payment network to be more innovative, open, diverse, and inclusive, elevating global services for users and businesses. Tenpay Global is dedicated to providing cross-border end-to-end payment solutions, we help our partners thrive in the long term.