In an increasingly interconnected global economy, cross-border payment platforms have become crucial bridges connecting economies around the world. These platforms not only simplify the process of international transactions but also reduce costs and enhance the efficiency of capital flow. This article will discuss the key features, advantages, and the significant role of these platforms in the global economy. However, when selecting a cross-border payment collection platform, sellers need to be cautious, choosing a secure and suitable platform to promote the smooth development of their business. This article covers the top ten cross-border payment platforms, let’s take a look together!
Top Ten Cross-Border Payment Platforms in 2025
1.PayPal
PayPal Established in 1998, PayPal is a well-known international online payment platform that allows individuals and businesses to make payments, transfers, and online purchases over the internet. As a globally recognized online payment platform, PayPal boasts a vast user base and extensive international recognition. Its advantages include relatively low transaction fees, typically 2.9% of the transaction amount plus $0.30, and multiple currency conversion services with reasonable exchange rates. PayPal supports transactions in over 200 countries and regions, has a large user base, supports multiple currencies and payment methods, including credit cards, debit cards, electronic checks, and digital currencies, and offers a range of value-added services such as anti-fraud technology, buyer protection, seller protection, and credit limits.
2.Airwallex
Airwallex (Kong Zhong Yun Hui), a global fintech company known for its innovative technology and efficient services, aims to revolutionize traditional cross-border payment methods by building a modern payment infrastructure.Airwallex supports transactions in 23+ currencies for over 60 countries, covering major currencies such as the US dollar, euro, yen, Australian dollar, Canadian dollar, and pound. Transaction fees are typically 1%-2% of the transaction amount, depending on the transaction amount and account type. Airwallex offers receipt and transfer services in multiple currencies with competitive exchange rates.
3.Wise
Wise (formerly TransferWise), headquartered in the United Kingdom, is committed to providing fast, transparent, and low-cost international money transfers and currency exchange services. Wise’s original intention was to provide a cheaper and more transparent way to make international money transfers and currency exchanges, mainly through its unique point-to-point (P2P) exchange rate matching system. Wise (formerly TransferWise) is known for its low cross-border transfer fees and real-time exchange rate conversion. Transaction fees are typically 0.5%-1% of the transaction amount, far lower than traditional banks. Wise’s currency conversion is transparent, and the fee structure is simple, with no hidden fees.
4.Payoneer
Payoneer, founded in 2005, provides one-stop payment solutions for cross-border e-commerce, freelancers, and businesses. Payoneer specializes in providing cross-border payment solutions for businesses, particularly in emerging markets. Its fees are relatively low, typically 1%-2% of the transaction amount, depending on the type of transaction. Payoneer offers multiple currency receipt and transfer services with competitive exchange rates and a relatively transparent fee structure. Payoneer supports over 22 currencies and covers more than 200 countries and regions, making it an important payment choice for cross-border e-commerce sellers and buyers.
5.PingPong
PingPong is a payment platform focused on helping global e-commerce sellers make cross-border receipts, supporting transactions in over 50 currencies. It mainly serves e-commerce platform sellers, such as Amazon, eBay, Wish, and more, enabling them to receive international payments more conveniently and securely.
6.WorldFirst
WorldFirst (Wanlihui), founded in 2004, is a cross-border payment institution focusing on providing cross-border receipt and payment services for global small and medium-sized enterprises, supporting over 70 e-commerce platforms and payment gateways, such as Amazon, eBay, Lazada, Wayfair, AliExpress, and more. WorldFirst specializes in small and medium-sized enterprises, providing flexible cross-border payment solutions. Transaction fees are typically 1%-2% of the transaction amount, depending on the transaction amount and account type. Its currency conversion services are competitive, and the fee structure is reasonable, including no monthly or annual fees.
7.Green Dot
Green Dot, a financial technology and banking holding company based in California, has expanded its financial services ecosystem through acquisitions or partnerships, becoming a comprehensive financial service platform. Green Dot’s transaction fees are relatively low, with specific rates varying depending on the card type and transaction type. For example, some debit cards may charge a fixed fee per transaction or a certain percentage of the transaction amount.
8.GO2bank
GO2bank is a mobile banking platform launched by Green Dot Corporation, primarily aimed at customers seeking online banking solutions. GO2Bank focuses on providing cross-border payment solutions for small and medium-sized enterprises. Transaction fees are typically 1%-2% of the transaction amount, depending on the transaction amount and account type. GO2Bank offers receipt and transfer services in multiple currencies with competitive exchange rates. In addition, GO2bank charges some other fees, such as cash deposit fees and withdrawal fees, etc.
9.Stripe
Stripe, a technology company based in the United States founded in 2010, has quickly become an important participant in the online payment field, especially for developers and e-commerce businesses. Stripe provides attractive services for startups and e-commerce businesses. It supports transactions in 135 currencies. Stripe is favored by many startups and e-commerce businesses for its simple API and powerful customization features. Stripe’s transaction fees are typically 2.9% of the transaction amount plus $0.30, applicable to most countries. Stripe’s currency conversion is usually transparent, and its fee structure is simple, without additional monthly or annual fees.
10.Wells Fargo
Wells Fargo, a long-standing American commercial bank founded in 1852 with headquarters in San Francisco,is the only U.S. bank to have received an AAA rating. It offers a wide range of financial services, including loans, insurance, and investments. As a major U.S. bank, Wells Fargo provides cross-border payment services. Transaction fees are typically 1%-2% of the transaction amount, depending on the transaction amount and account type. Wells Fargo’s currency conversion services are stable, and the fee structure is reasonable.
Conclusion
Cross-border payment platforms are important tools for connecting the global economy. By providing efficient, secure, and convenient payment services, they promote the prosperity and development of the global economy. As technology continues to advance and the market expands, cross-border payment platforms will continue to play a crucial role, bringing more opportunities and challenges to global economic activities.