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XTransfer

XTransfer

B2B cross-border payments from China to global markets

VS

Visa Direct

Real-Time Push Payments to Visa Cards

Visa Direct
Fees from
1.5-2.5% for B2B cross-border transfers vs Per-transaction
Features

0 shared

2 unique to Visa Direct
Regions

4 shared

4 unique to XTransfer
Pay methods

0 shared

1 unique to XTransfer · 1 unique to Visa Direct
On fees

XTransfer publishes 1.5-2.5% for B2B cross-border transfers from. Visa Direct publishes Per-transaction from. Verify directly with each provider before signing.

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Show full specs
2 features · 2 payment methods · 8 regions. We don't rank these — they're here for reference.
XTransfer XTransfer
Visa Direct Visa Direct
Quick Facts
Fees
Standard transaction rate
1.5-2.5% for B2B cross-border transfers
Per-transaction
Settlement
Time to receive funds
—
Instant
Founded
2017
2015
Headquarters
Shanghai, China
San Francisco, California
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Visa Direct leads (2 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Payment Methods
Bank Transfer Unique
✓
—
Visa Unique
—
✓
Regions
XTransfer leads (8 vs 4)
Africa Unique
✓
—
Asia
✓
✓
Europe
✓
✓
Latin America
✓
✓
Middle East Unique
✓
—
North America
✓
✓
Oceania Unique
✓
—
Southeast Asia Unique
✓
—

XTransfer is best when you...

B2B cross-border payments from China to global markets
Want coverage in Africa, Middle East, Oceania, Southeast Asia
Visa Direct doesn't cover these regions
View XTransfer

Visa Direct is best when you...

Real-Time Push Payments to Visa Cards
Need Enterprise
Not available with XTransfer
Need Instant Payout
Not available with XTransfer
View Visa Direct

Frequently Asked Questions

What is the difference between XTransfer and Visa Direct?
They share 0 payment methods and 4 regions. XTransfer adds Bank Transfer that Visa Direct does not list; Visa Direct adds Visa that XTransfer does not list; XTransfer also covers Africa, Middle East and 2 more; only Visa Direct offers Enterprise, Instant Payout.
Which is cheaper, XTransfer or Visa Direct?
XTransfer has published rates from 1.5-2.5% for B2B cross-border transfers; Visa Direct has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use XTransfer and Visa Direct?
XTransfer lists 8 regions and 1 payment method; Visa Direct lists 4 and 1. both cover Asia, Europe, Latin America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do XTransfer and Visa Direct compare on integration and settlement?
Visa Direct offers a sandbox, XTransfer does not list one; Visa Direct supports webhooks; Visa Direct publishes a settlement time of Instant.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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