How to Implement Secure and Scalable International Money Transfers for B2B and B2C
We don’t often stop to think about how money moves until it slows us down. Yet nearly $5 trillion crosses international borders every day. For businesses, these international transfers are lifelines, allowing them to support global supply chains, remote employees, and ambitious expansion plans.
The problem? Too many companies are still using outdated systems to navigate a digitally connected economy. Outdated systems drain businesses through hidden fees, slow settlements, and manual processes that stall growth. Beyond the financial cost, they create operational bottlenecks, increase compliance risks, and make it harder to scale into new markets.
It doesn’t have to be this way. Technology has caught up with cross-border payments, offering faster, more secure, and more scalable options. The question businesses should be asking isn’t how to send money internationally—it’s how to do it better.
This article explores the smartest ways to manage international transfers, from individual payouts to mass payout solutions, so your business can stop wrestling with wires and start focusing on growth.
Transferring Large Sums of Money Internationally
When businesses need to move large amounts of money, cost, speed, and security become important factors that must be considered and balanced. Let’s break down your options:
Fintech-as-a-Service (FaaS) Platforms: Built for Scale
Mass cross-border payout solutions like Rapyd Disburse reinvent and upgrade the transfer process. By integrating FX, compliance, KYC, treasury, and local payout methods into one unified, frictionless solution, they replace fragmented systems with scalable efficiency. The result? Faster transfers, lower total costs, fewer manual tasks, and peace of mind that you’re staying compliant.
Bank Wire Transfers
Most businesses start here because it’s what they know. Traditional bank wire transfers are familiar and reliable but often come with higher fees and slower settlement times. Hidden costs in poor exchange rates can add up fast for large transactions.
Stablecoin Cryptocurrency Payments: Fast and Frictionless (With Caveats)
Crypto introduces new transfer models: borderless, instant, and low-fee transactions. These are especially useful for businesses operating in regions with unstable currencies or limited banking infrastructure. But regulatory uncertainty and limited adoption still create a risk-reward equation worth examining carefully.
Escrow Services: When Trust Needs a Middleman
In high-value B2B deals, trust is non-negotiable. Escrow services act as a neutral third party, releasing funds only when both sides meet agreed-upon terms. This helps protect both buyer and seller and can be the difference between a deal closing or collapsing.
Best Solutions for Transferring Money Internationally
FaaS platforms have replaced the bank branch. These cross-border payout solutions have made international transfers more convenient and redefined what we expect from moving money across borders.
The best platforms are fast, transparent, secure, and built for businesses that operate everywhere. From paying a contractor in another time zone to reimbursing a team member abroad, the right provider makes international transfers feel local. Business-grade solutions are now offering enterprise-level scale and security without the enterprise-level complexity.
Here are leading business solutions for transferring money internationally:
Rapyd
Rapyd is a global financial services infrastructure provider that empowers businesses to collect payments, send payouts, and manage multi-currency business accounts worldwide. Rapyd supports payouts to 190+ countries in 120+ currencies and offers end-to-end payments solutions, including direct card acquiring, multi-currency accounts and virtual accounts.
- Value prop: Unified cross-border and domestic payout solutions for B2B, B2C, and C2C.
- Features: Foreign exchange, bank transfers, instant card payouts, ewallets, real-time payment networks, virtual and physical card issuing, and compliance expertise.
Airwallex
Airwallex is a fintech company that simplifies cross-border payments for businesses, offering multi-currency accounts, payment links, and APIs to simplify international transactions. It helps businesses to manage global financial operations efficiently by providing access to interbank exchange rates, reducing transaction costs, and integrating with various ecommerce and accounting platforms
- Value prop: Low-cost global financial operations, including international payments, multi-currency transactions, and expense management.
- Features: Global business accounts, interbank FX rates, multi-currency corporate cards, payment links, APIs.
Looking for a more in-depth comparison of Rapyd and Airwallex? Read this article.
Payoneer
Payoneer is a financial technology company that provides cross-border payout solutions. It enables businesses, freelancers, and online sellers to receive payments in multiple currencies and manage international transactions. It offers global payment services, billing, and withdrawal services.
- Value prop: International payments using Payoneer accounts that help workers get paid.
- Features: Multi-currency accounts, local receiving accounts in major currencies, marketplace integrations, mass payouts, and virtual or physical Payoneer cards for business expenses.
Interested in a deeper comparison of Rapyd and Payoneer? Read this article.
PayPal
PayPal is a digital payment platform that allows users to send and receive payments online, offering services such as online transactions, invoicing, and money transfers. It operates globally and is widely used for ecommerce transactions.
- Value prop: Convenient settlement accounts and online payments for SMBs.
- Features: Secure online payments, money transfers, debit/credit card integration, and tools for managing businesses, including invoicing, shipping, and credit options.
Revolut
Revolut is a British fintech company providing digital banking services, including multi-currency accounts, debit cards, and currency exchange, to both individuals and businesses across numerous countries. It offers a range of financial services through its mobile app, including stock trading and cryptocurrency exchange.
- Best for: Digital banking services with ease and flexibility for startups and remote teams.
- Features: Foreign exchange, virtual cards, budgeting tools.
Xe Money Transfer
Xe Money Transfer is a service that facilitates international money transfers, offering competitive exchange rates and low fees for cross-border transactions. It provides real-time exchange rate information and supports transfers in multiple currencies.
- Best for: Real-time exchange tracking and quick transfers.
- Features: Mid-market exchange rates, alerts, and transfer tracking.
Ask the Right Questions
Before you choose how to transfer money internationally, ask yourself this:
Are you solving for today—or building for what’s next?
The best payment solution will meet your current needs and help you achieve your future goals.
Here are the questions worth asking before you commit:
Small differences in exchange rates can quietly add up to big losses, especially at scale.
Delays cost more than time. Look for platforms that offer same-day or even real-time transfers when it matters most.
A solution is only as good as its global reach. Make sure your provider supports all your target markets, not just the easy ones.
Integration with your ERP or accounting tools provides convenience and reduces errors and manual work.
The right platform should grow with your ambitions, not hold them back.
