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- Amex Global Pay Alternative | Xe Business
Amex Global Pay is ending. Keep payments moving with Xe.
Xe Business gives you international payments to 190+ countries with competitive exchange rates, transparent pricing, and real-time tracking so you and your suppliers always know where a payment stands. Manage FX exposure with forward contracts and limit orders, and save time with batch and scheduled payments. No card required to get started.
Trusted by 17,000+ businesses, moving $17B+ a year
Secure and compliant, licensed by Revenu Québec and registered with FINTRAC
Owned by Euronet Worldwide, NASDAQ-listed with 30+ years in financial services
Send to 190+ countries in 145+ currencies
Xe moves money faster and further with live rates, zero fees on most transfers, and real-time tracking from your dashboard. No card required, no setup fees, and no interruption to your business.
International payment methods
Xe offers multiple ways to fund your international payments, tailored to your region and needs:
ACH direct debit (US only)
ACH direct debit is available to customers in the US and is best for smaller, routine payments. You authorize a one-time debit from your bank account to Xe. Funds typically reach Xe in 1–5 business days.
Wire or bank transfer (global)
Wire or bank transfer is available to customers globally and is typically used for larger payments. Funds usually reach Xe within up to 2 business days, and once received, payments are typically delivered within 24 hours.
EFT (Canada only)
EFT is available to Xe business customers in Canada. You authorize a one-time debit from your bank account to fund your transfer. This process typically takes up to 5 business days.
Call our agents (global)
If you need help choosing a funding method or coordinating a time-sensitive transfer, you can contact Xe Customer Care via live chat, phone, or email. Transfer timelines vary by payment method, and can take up to 5 business days.
30+ years of trust
Over 17,000 businesses trust us to protect their money and data each year. Your funds are safeguarded through regulated protections, top-tier financial partners, and enterprise-grade security so you can move money with confidence.
Customized payment solutions for businesses of any size
Whether you’re a startup or an enterprise, Xe provides custom payment solutions to suit your needs:
Startups
Running a startup can be hectic, but making international business payments doesn’t have to be. We simplify the process, making it easy for your startup to send global payments at competitive rates.
Small business
Create a business account with Xe and start making business payments right away. You can schedule transfers at set rates and track payment statuses from your account whenever you need to.
Mid-market
Grow your business with scalable and affordable solutions. Integrate with your ERP, like Microsoft Dynamics 365 and Sage Intacct, and make global payments directly from your existing workflows.
Enterprise
Our team is here to help you manage your cash flow abroad. We offer custom solutions like forward contracts, market orders, or option contracts to protect you against market fluctuations.
Create a business account in 5 minutes
Sign up in under 5 minutes to send money internationally for business. All it takes is an email address to create your Xe Business account. Once registered, verify your business details, and you’ll be ready to send money.
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