International Transfers
BTOBExchange — Banking Gateway
Cross-border payments.
Fast, secure, traceable.
Facilitate your international payments with solutions tailored to companies working with China, the Middle East, and Africa. SWIFT, SEPA, and alternative rails.
The limits of classic SWIFT
When every payment goes through the same pipe, you overpay
Traditional SWIFT wires still have their place, but they are not always fit for supplier payments, complex corridors, or urgent transfers.
Slowness
3 to 5 business days on average. A payment sent on Friday may land only on Tuesday or Wednesday.
Stacked costs
Sending fee, intermediary fees, receiving fee, and FX spread. A $10,000 transfer can cost $80 to $150 all-in.
Low transparency
It is hard to know where the transfer sits or how much the beneficiary will actually receive after deductions.
Limited corridors
Some routes like China to Africa or MENA to Southeast Asia remain slow, expensive, or blocked by compliance checks.
"L'intelligence n'est pas d'envoyer chaque paiement de la même manière. C'est de choisir le bon circuit pour chaque corridor."
Partner solutions
We choose the right rail for the payment type
| Platform | Specialty | Speed | Strong corridors | Pricing | Best for |
|---|---|---|---|---|---|
| Wise Business | SME transfers | 1-2 days | Global, 50+ currencies | Transparent, fixed | SMEs |
| Airwallex | Local rails | Same day | Asia, Europe, US | Free on local rails | Tech, e-commerce |
| OFX | High-volume FX | 1-2 days | 30+ currencies | Negotiated rate | Import / export |
| Convera | B2B enterprise | 1-3 days | Global | Volume-based | Large accounts |
| WorldFirst | Asia / e-commerce | Same day | China, ASEAN | Competitive | Marketplaces |
| Payoneer | Freelance / marketplace | 2-5 days | Global | Fixed + % | Freelancers |
| DBS Remit | Regional Asia | Instant | HK to SG, ASEAN | No fees | Intra-Asia |
SWIFT vs fintech
The difference shows up in cost, speed, and visibility
| Criteria | SWIFT | Fintech |
|---|---|---|
| Timing | 3-5 business days | 1-2 days, often same-day |
| Cost for $10,000 | $80-150 | $15-60 |
| Transparency | Fees hidden in the spread | Cost shown before sending |
| Tracking | Limited or none | Real-time |
| Amount received | Uncertain after deductions | Known before sending |
BTOBExchange's role
We do not replace your bank. We choose the right rail for each payment.
The smart move is not sending everything through one channel. Our job is to identify the best route based on amount, country, currency, frequency, and urgency.
How it works
Send an international transfer in 4 steps
Why choose us
Transfers designed for international B2B commerce
Where traditional banks block, BTOBExchange finds a solution.
China & CNY
international transfersSpecialized rails for payments to and from China. SAFE compliance, adapted banking circuits.
Africa & MENA
international transfersCoverage of African and Middle East markets often inaccessible via European banks.
Urgent transfers
international transfersExpress option for critical payments. Same-day execution on main corridors.
Supplier documentation
international transfersWe prepare and verify required documentation: contracts, pro-forma invoices, certificates of origin.
Recurring transfers
international transfersSchedule regular transfers to suppliers or subsidiaries with full automation.
Fraud protection
international transfersSystematic beneficiary verification. Alerts on bank detail changes.
FAQ
Frequently asked questions about international transfers
Explore the rest of the journey
Banking needs rarely come alone
Business accounts, multi-currency, transfers, and payments work as one stack. Move across the services or start with company formation first.
Other Banking Gateway services
No company yet?
Start with Company Creation
Company formation in 8 jurisdictions, then banking and financial setup through one single partner.
Contact us
Let's talk about your banking project
Describe your need and a BTOBExchange specialist will reply within 24h.