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XTransfer

XTransfer

B2B cross-border payments from China to global markets

VS

Checkout.com

Global Performance

Checkout.com
Fees from
1.5-2.5% for B2B cross-border transfers vs 2.3-2.9% + $0.30 (typical)
Features

0 shared

4 unique to Checkout.com
Regions

8 shared

Pay methods

0 shared

1 unique to XTransfer · 35 unique to Checkout.com
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
4 features · 36 payment methods · 8 regions. We don't rank these — they're here for reference.
XTransfer XTransfer
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
1.5-2.5% for B2B cross-border transfers
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
—
1–3 business days
Founded
2017
2012
Headquarters
Shanghai, China
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Checkout.com leads (4 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Checkout.com leads (35 vs 1)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer Unique
✓
—
Cartes Bancaires Unique
—
✓
Dana Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Eps Unique
—
✓
Gcash Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Jcb Unique
—
✓
Kakaopay Unique
—
✓
Klarna Unique
—
✓
Knet Unique
—
✓
Mada Unique
—
✓
Maestro Unique
—
✓
Mastercard Unique
—
✓
Mb Way Unique
—
✓
Mobile Wallet Unique
—
✓
Mobilepay Unique
—
✓
Multibanco Unique
—
✓
Paynow Unique
—
✓
Paypal Unique
—
✓
Przelewy24 Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Twint Unique
—
✓
Venmo Unique
—
✓
Vipps Unique
—
✓
Visa Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Africa
✓
✓
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East
✓
✓
North America
✓
✓
Oceania
✓
✓
Southeast Asia
✓
✓

XTransfer is best when you...

B2B cross-border payments from China to global markets
View XTransfer

Checkout.com is best when you...

Global Performance
Need Enterprise
Not available with XTransfer
Need Instant Payout
Not available with XTransfer
View Checkout.com

Frequently Asked Questions

What is the difference between XTransfer and Checkout.com?
They share 0 payment methods and 8 regions. XTransfer adds Bank Transfer that Checkout.com does not list; Checkout.com adds ACH, Alipay, Amex and 32 more that XTransfer does not list; only Checkout.com offers Enterprise, Instant Payout and 2 more.
Which is cheaper, XTransfer or Checkout.com?
XTransfer has published rates from 1.5-2.5% for B2B cross-border transfers; Checkout.com has published rates from 2.3-2.9% + $0.30 (typical). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use XTransfer and Checkout.com?
XTransfer lists 8 regions and 1 payment method; Checkout.com lists 8 and 35. both cover Africa, Asia, Europe and 5 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do XTransfer and Checkout.com compare on integration and settlement?
Checkout.com offers a sandbox, XTransfer does not list one; Checkout.com supports webhooks; Checkout.com publishes a settlement time of 1–3 business days.

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