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Airwallex

  • What it is:Airwallex is a multinational financial technology company providing a global payments and banking platform with business accounts, multi-currency cards, FX transfers, payroll, and embedded finance via proprietary infrastructure.
  • Best for:Scaling e-commerce businesses, Global SMBs with teams, Payment platforms/marketplaces
  • Pricing:Starting from $29/month (AUD) or waived with conditions
  • Rating:82/100Very Good
  • Expert's conclusion:Airwallex will be best suited for growing businesses that require international payment solutions with features such as speed, low costs and flexible API solutions.
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Reviewed byMaxim Manylov·Web3 Engineer & Serial Founder

What Is Airwallex and What Does It Do?

Airwallex is a digital fintech platform that offers financial services and operating systems to enable businesses to make international transactions. Initially, the company was developed for cross-border payment and currency conversion. It has since grown to include an array of products, including global business bank accounts, corporate cards, treasury, embedded finance, and expense management solutions.

Active
📍Singapore and San Francisco
📅Founded 2015
🏢Private
TARGET SEGMENTS
Small and medium-sized enterprisesStartupsEnterprise businessesDigital platforms

What Are Airwallex's Key Business Metrics?

👥
200,000+
Customers
💵
$1 billion+
Annual Recurring Revenue (ARR)
📊
$1.5 billion USD
Total Funding
📊
$8 billion USD
Company Valuation
🔄
$130 billion+
Annual Transaction Volume
📊
60+
Countries with Local Bank Accounts
📊
20+
Currencies Supported
📊
26
Global Offices
📊
60+
Banking Licenses
Regulated By
Financial services licenses(Australia, United States, Canada, China, Hong Kong, United Kingdom, and multiple others)

How Credible and Trustworthy Is Airwallex?

82/100
Good

The company appears to be credible with sizeable investment support from top-tier venture capital firms, numerous regulatory licenses issued in over 60 countries and a high-profile exit path with its IPO set to occur in 2026.

BREAKDOWN
Product Maturity80/100
Company Stability85/100
Security & Compliance85/100
User Reviews80/100
Transparency75/100
Support Quality78/100
TRUST SIGNALS
Licensed to operate in 60+ countries with multiple banking licensesTrusted by major corporations including Brex, Rippling, TikTok, and CanvaProcessing $130B+ in annual transactions$1.5B in total funding from world-leading investorsDual-headquarter model in Singapore and San FranciscoIPO readiness targeted for 202610 years of operational history with consistent growth

What is the history of Airwallex and its key milestones?

2015

Founded

Airwallex was founded in Melbourne, Australia by Jack Zhang, Jacob Dai, Max Li, Lucy Liu, and Ki-lok Wong. The founders were motivated to develop Airwallex when they were faced with very high cross-border payment fees while trying to process credit card transactions from their Australian-based specialty coffee shop.

2017

Series A Funding

Airwallex completed its Series A financing round, increasing the total amount of funding raised to $22 million.

2017

Americas Expansion

Airwallex opened a new office in San Francisco to help launch its entry into the North America market.

2018

Stripe Acquisition Offer

Stripe made a bid to acquire Airwallex for $1.06 billion. The founders declined the offer as they believed it undervalued their company.

2019

Series C Funding

Airwallex received $100 million in a Series C financing round, which resulted in the company being valued at $900 million, with lead investor DST Global.

2021

EMEA Entry

Airwallex launched its European, Middle Eastern and African operations, establishing its first office in Tel Aviv, Israel in May 2023 and subsequent offices in Amsterdam, London, Paris and Abu Dhabi.

2022

Series E2 Funding

Airwallex closed its Series E2 round at a $5.6 billion valuation.

2025

Series G Funding & Growth Milestone

Airwallex concluded its Series G financing round, which increased the valuation of the company to $8 billion, and also reported exceeding $1 billion in annual recurring revenue with 200,000+ customers. The company also announced a transition to a dual-headquartered model based in Singapore and San Francisco.

2026

IPO Roadmap

Airwallex will focus on completing preparations for its IPO in 2026 as it continues to grow.

Who Are the Key Executives Behind Airwallex?

Jack Zhang— CEO & Co-founder
Grew up in Qingdao, China and moved to Australia when he was 15 years old. He worked a variety of jobs while attending college so he could pay for his education. He founded a specialty coffee shop that he later used as an inspiration for starting Airwallex because he encountered difficulties paying vendors in other countries.
Jacob (Xijing) Dai— CTO & Co-founder
Co-Founder with a technical background, designed the core infrastructure and initial engineering framework of Airwallex.
Lucy Liu— President & Co-founder
Co-Founder and President of Airwallex, is responsible for running the day-to-day operations of the company and the overall strategy of the company.
Max Li— Head of Design & Co-founder
Prior to becoming a founder of Airwallex, Mr. Zhang was a professional architect and founded the specialty coffee shop with Jack Zhang. After the coffee shop, Mr. Zhang began working with Airwallex as its lead designer.
Ki-lok Wong— Principal Architect & Co-founder
Co-Founder, responsible for designing the core architecture of Airwallex and developing the core infrastructure.

What Are the Key Features of Airwallex?

✨
Multi-Currency Business Accounts
Holds funds in 20+ currencies and has opened bank accounts with local bank details in over 60 countries to enable seamless global operation.
✨
Cross-Border Payments Network
Developed proprietary payments network using 60+ banking licenses which enables faster and cheaper international money transfers with lower FX rates than traditional banks.
💳
Global Corporate Cards
Issues corporate debit cards for international spending and expense management in multiple currencies.
✨
Local Currency Acceptance
Enables companies to accept international payments in local currency from customers globally, without losing out to intermediary fees and converting at competitive rates.
👥
Treasury Management
Provides complete treasury solutions for companies to efficiently manage cash flow, liquidity and financial operations across borders.
✨
Embedded Finance
Offers banking-as-a-service and Core API products allowing businesses to embed financial services directly into their own platforms.
👥
Expense Management
Integrates expense tracking and reporting for companies to track corporate spending across different currencies and locations.
✨
Real-Time Operations
Creates borderless, intelligent, real time financial infrastructure from the ground-up based on first principles, without relying on legacy banking rails.

What Technology Stack and Infrastructure Does Airwallex Use?

Infrastructure

Global distributed infrastructure spanning 26 offices across Asia-Pacific, North America, and Europe with local banking partnerships in 60+ countries

Technologies

Cloud infrastructureAPI architectureBanking technologyPayment processing

Integrations

Business accounting platformsTreasury management systemsERP systemsEmbedded finance APIs

AI/ML Capabilities

AI-powered financial operating system designed for intelligent, real-time cross-border transaction processing and decision-making

Based on company website and official product descriptions. Detailed technical stack not fully disclosed in public sources.

What Are the Best Use Cases for Airwallex?

E-commerce & Retail Businesses
Enables companies to accept international customer payments in local currency, source inventory from multiple countries and reduce foreign exchange costs associated with making cross border payments to suppliers.
SaaS & Digital Platforms
A user can make a new request by using the "New Request" button in the top right corner of the page.
Startups & Growth-Stage Companies
The user selects the type of request they would like to submit, which includes a general request or an appeal of a previously denied request.
Enterprise Corporations
The user fills out a form that asks them to provide details about their request, including contact information and other relevant details.
Logistics & Supply Chain Companies
If the user is submitting an appeal, they will also be asked to explain why they believe the previous decision was incorrect.
Marketplaces & Platforms
Once the form is complete, the user clicks "Submit Request," and their request will be reviewed and processed by the VA.
NOT FORHighly Regulated Financial Institutions
Airwallex is designed to help companies scale globally. The company provides its clients with a way to embed financial services directly into platforms. They offer the ability to process payments and bill customers across many different currencies, and to pay vendors in local currencies, all while avoiding the complexities and costs associated with working through a large bank.
NOT FORDomestic-Only Businesses
Additionally, Airwallex allows companies to access instant local bank accounts in over 60 countries. This enables the company to manage their finances from day one in whatever currencies are necessary. The company's system is designed to optimize the way that companies manage their international treasury operations. It reduces the costs of processing payments by 40-60 percent when compared to the use of a large bank. Additionally, it provides companies with a single platform that they can use to manage their financial operations across multiple countries.
NOT FORVery High-Frequency Trading Operations
Airwallex also provides companies with the tools they need to manage and track their expenses across multiple regions, and to get the most up-to-date foreign exchange rates so they can make informed decisions about how to manage their money. Airwallex also enables companies to make payments to their suppliers in the supplier's local currency. This eliminates the potential issues and costs associated with exchanging currency in order to make a payment.

How Much Does Airwallex Cost and What Plans Are Available?

Pricing information with service tiers, costs, and details
☐Service$CostℹDetails🔗Source
Explore Plan$29/month (AUD) or waived with conditionsWaived if deposit 5,000 AUD/month or hold 10,000 AUD balance. 20+ currencies, 10 local accounts max, up to 10 cards.Official site and review
Grow Plan$49/month (AUD) or $99/month (USD)20+ currencies, 10 local accounts max, up to 50 cards, advanced spend management.Official site and review
Accelerate Plan$499/month (AUD)20+ currencies, unlimited cards.Review site
Custom/EnterpriseCustom quoteVolume discounts, multi-product, country-specific rates, Platform API & Embedded Finance.Official site
Domestic Cards/Wallets1.90% + RM 0.50 (MY) +1% internationalVisa, Mastercard, Amex, Apple Pay, Google Pay.Official pricing
Local Payment MethodsFrom 1.4% + RM 0.50 (MY)WeChat Pay, GrabPay, 160+ methods.Official pricing
Subscription Management (API)0.50% per successful card transaction—Official pricing
Currency ExchangeInterbank + 0.5%-1%0.5% for major currencies (USD, EUR etc.), 1% others.Review site
Explore Plan$29/month (AUD) or waived with conditions
Waived if deposit 5,000 AUD/month or hold 10,000 AUD balance. 20+ currencies, 10 local accounts max, up to 10 cards.
Official site and review
Grow Plan$49/month (AUD) or $99/month (USD)
20+ currencies, 10 local accounts max, up to 50 cards, advanced spend management.
Official site and review
Accelerate Plan$499/month (AUD)
20+ currencies, unlimited cards.
Review site
Custom/EnterpriseCustom quote
Volume discounts, multi-product, country-specific rates, Platform API & Embedded Finance.
Official site
Domestic Cards/Wallets1.90% + RM 0.50 (MY) +1% international
Visa, Mastercard, Amex, Apple Pay, Google Pay.
Official pricing
Local Payment MethodsFrom 1.4% + RM 0.50 (MY)
WeChat Pay, GrabPay, 160+ methods.
Official pricing
Subscription Management (API)0.50% per successful card transaction
Official pricing
Currency ExchangeInterbank + 0.5%-1%
0.5% for major currencies (USD, EUR etc.), 1% others.
Review site

How Does Airwallex Compare to Competitors?

FeatureAirwallexWise BusinessRevolut BusinessPayoneer
Multi-Currency AccountsYes (20+)Yes (50+)Yes (25+)Yes (multiple)
Local Account DetailsYes (20+ currencies)YesPartialYes
Global PaymentsYes (120+ countries)YesYesYes
Corporate CardsYes (virtual/physical)YesYesLimited
API AccessYes (Platform API)YesYesYes
Starting Price$0 (waived) / $29/mo$0 / $45/mo$0 / $25/mo$0 / custom
Free TierYes (Explore waivable)YesYesYes
Enterprise SSOYes (custom)YesYesYes
IntegrationsXero, ERPs, 100+ManyManyLimited
Security CertificationsPCI, SOC 2 (implied)YesYesYes
Multi-Currency Accounts
AirwallexYes (20+)
Wise BusinessYes (50+)
Revolut BusinessYes (25+)
PayoneerYes (multiple)
Local Account Details
AirwallexYes (20+ currencies)
Wise BusinessYes
Revolut BusinessPartial
PayoneerYes
Global Payments
AirwallexYes (120+ countries)
Wise BusinessYes
Revolut BusinessYes
PayoneerYes
Corporate Cards
AirwallexYes (virtual/physical)
Wise BusinessYes
Revolut BusinessYes
PayoneerLimited
API Access
AirwallexYes (Platform API)
Wise BusinessYes
Revolut BusinessYes
PayoneerYes
Starting Price
Airwallex$0 (waived) / $29/mo
Wise Business$0 / $45/mo
Revolut Business$0 / $25/mo
Payoneer$0 / custom
Free Tier
AirwallexYes (Explore waivable)
Wise BusinessYes
Revolut BusinessYes
PayoneerYes
Enterprise SSO
AirwallexYes (custom)
Wise BusinessYes
Revolut BusinessYes
PayoneerYes
Integrations
AirwallexXero, ERPs, 100+
Wise BusinessMany
Revolut BusinessMany
PayoneerLimited
Security Certifications
AirwallexPCI, SOC 2 (implied)
Wise BusinessYes
Revolut BusinessYes
PayoneerYes

How Does Airwallex Compare to Competitors?

vs Wise Business

Furthermore, the company provides companies with the tools they need to manage and track the expenses of their employees and vendors across multiple regions. The system also tracks the foreign exchange rates of each expense so that companies can see the true cost of the expense. In addition, Airwallex provides companies with a means of making payments to their vendors and employees in the vendors' and employees' local currencies. This helps eliminate the potential issues and costs associated with exchanging currency in order to make a payment.

Airwallex for Teams who require Cards and Local Accounts; Wise for Pure Transfers.

vs Revolut Business

Finally, the company provides companies with a means of accepting payments from users who live in multiple countries. The system also handles the complexities and costs of managing and settling these types of cross border transactions. Limited Applicability - As an alternative to traditional banking, Airwallex is not a replacement for the core regulatory banking relationship of a given institution. Therefore, it is limited in its applicability to institutions requiring such relationships. Unnecessary Complexity - Airwallex is primarily used to facilitate international operations and multi-currency transactions. Companies that operate exclusively in a single country have little to no need for this product. Not Suitable - Although Airwallex supports real-time transactions, the system is geared towards facilitating business-related payments and operations rather than executing trades at the level of microseconds required in some markets. Airwallex is focused on providing solutions to companies that require scaling their global business operations through the use of local rails in 20+ currencies and corporate cards. On the other hand, Wise is a peer-to-peer money transfer service that offers low-cost transfers in over 50 currencies, but has less control over how enterprises manage their employee spend. Airwallex offers better corporate card issuance options, but charges higher margins on the exchange rate of the currency being transferred. Both Airwallex and Wise serve small and medium-sized businesses that require multi-currency capabilities and/or corporate cards. However, Airwallex places a greater emphasis on payment acceptance over 160 methods and APIs for platforms, whereas Revolut offers more free weekday exchanges. Airwallex has a strong presence locally in terms of payment rails, but has region-specific pricing.

Airwallex for Payment Processors; Revolut for Simple Business Banking.

vs Payoneer

Payoneer is best for Freelancer/Mass Payout Marketplaces for Receiving Accounts; Airwallex offers a complete suite of solutions (payment, FX, cards) to Enterprises. The Foreign Exchange Fees are lower for large volumes at Airwallex, but Payoneer is simpler for Payouts.

Airwallex for Comprehensive Global Operations; Payoneer for Marketplace Payouts.

vs Stripe Treasury

Airwallex has the same Embedded Finance model as Stripe through their respective APIs for Platforms. Airwallex offers greater variety of Foreign Exchange and local rails for enterprise customers while Stripe integrates more seamlessly into Billing. Both have custom pricing based on scale.

Airwallex for Non-USD Heavy Global Markets; Stripe for US-Centric Platforms.

What are the strengths and limitations of Airwallex?

Pros

  • Local Account Details in 20+ Currencies – Receive Payments Like a Local Without Fees
  • Interbank FX Rates + Low Margins – 0.5%-1% Transparent Fees
  • Corporate Cards with No FX Fees – Virtual/Physical Multi-Currency Spend Tracking
  • 160+ Local Payment Methods – World-Class Acceptance From 1.4%
  • Free Integrations With Xero/ERPs – Seamless Accounting Reconciliation
  • No Setup or Maintenance Fees – Zero Hidden Costs, Scalable Plans
  • Platform APIs for Embedded Finance – Custom Pricing for Large Volume Platforms

Cons

  • Monthly Fees On All Plans – $29-$499 AUD, Waivers Limited To Entry Tier
  • Exchange Markup 0.5%-1% – Higher Than Pure FX Specialists Like Wise
  • High Card Payment Fees – 1.90%+ For International Cards
  • Plan Pricing Varies By Region – USD/AUD Differences Confuse Global Users
  • Cards Not ATM Compatible – Limits Cash Access
  • Custom Pricing Opaque – Requires Sales Contact for Enterprise Customers
  • Variable Transfer Limits – Depend On Country/Method, Can Hit Caps

Who Is Airwallex Best For?

Best For

  • Scaling e-commerce businesses — Local Payment Methods (160+) & Multi-Currency Accounts Optimize Acceptance and Settlement.
  • Global SMBs with teams — Corporate Cards & Expense Management Reduce Reimbursement Hassles.
  • Payment platforms/marketplaces — Custom integrations using embedded finance and platform APIs
  • Businesses with high FX volume — Low margins plus Interbank rates beat traditional banks.
  • Companies using Xero/QuickBooks — Native accounting integrations (free) simplify accounting

Not Suitable For

  • Freelancers/solopreneurs — Lower volumes mean fees outweigh benefits; consider using a free tier from either Wise or Revolut.
  • ATM/cash-heavy businesses — Card does not support ATM withdrawals; use a traditional bank.
  • Pure domestic operations — Too much features/ pricing – cheaper than a local business banking service.
  • Cost-sensitive startups — The costs of exchange/card fees add up; consider Revolut's free exchanges.

Are There Usage Limits or Geographic Restrictions for Airwallex?

Account Limits
10 local accounts max (Explore/Grow), unlimited higher tiers
Card Issuance
10 cards (Explore), 50 (Grow), unlimited (Accelerate+)
Currency Support
20+ currencies for holding/exchange
Transfer Limits
Variable by country/method, no upper limit some cases
Exchange Fee
0.5% major currencies, 1% others above interbank
Monthly Deposits (Waiver)
5k AUD deposit or 10k balance for Explore fee waiver
Geographic Availability
Global with local rails in 70+ countries, region-specific pricing
Compliance
PCI compliant for payments, business verification required

Is Airwallex Secure and Compliant?

PCI ComplianceCertified for card payment processing and security
Data EncryptionSecure handling of financial data with industry standards for payments and transfers
Multi-Factor AuthenticationSupports secure login and transaction approvals
Fraud PreventionPayment fraud prevention tools and real-time monitoring
Regulatory ComplianceLicensed for global payments, GDPR compliant where applicable
Audit LoggingTransaction history and reporting for compliance
Role-Based AccessSpend controls, approvals, user management
Infrastructure SecurityProprietary infrastructure with global redundancy

What Customer Support Options Does Airwallex Offer?

Channels
Available via Help Centre for all usersPrimary channel for Explore and Grow plansIn-app chat, availability varies by plan
Hours
Business hours for standard plans, 24/7 options for higher tiers
Response Time
Few minutes for in-app chat (higher tiers), email responses within hours to 1 business day
Satisfaction
Solid gold service per CEO testimonial, mixed reviews on plan-based access
Specialized
Dedicated support specialists available
Business Tier
Priority support for Enterprise and higher plans with faster response SLAs
Support Limitations
•Explore and Grow plans limited to email/online requests, no phone
•Support quality varies by plan tier
•No 24/7 chat for basic plans

What APIs and Integrations Does Airwallex Support?

API Type
REST API with OpenAPI specifications
Authentication
API Key, OAuth 2.0
Webhooks
Supported for payment events, transfers, and payouts
SDKs
Official SDKs for Python, Node.js, Java, PHP, .NET
Documentation
Comprehensive developer portal with interactive API reference and guides
Sandbox
Full sandbox environment available for testing with mock data
SLA
99.99% uptime guarantee, low latency global endpoints
Rate Limits
Tiered limits starting at 100 req/min, scalable to 10,000+ for Enterprise
Use Cases
Payments processing, FX transfers, payouts, batch payments, e-commerce integrations

What Are Common Questions About Airwallex?

Live chat via in app, email support and online request form via Help Centre are available through Airwallex; priority access and response time will depend upon plan tier, with higher plans getting faster responses.

90%+ of transfers arrive instantly/same day via local networks; swift transfers take 1-5 business days; speed depends on destination method.

While Airwallex is focused on enterprise payments, FX and payouts across 200+ countries, it has better multi-currency support than Revolut – which offers broader banking services.

Yes, Airwallex complies with pci DSS, SOC 2, holds 60+ global security licenses and protects funds with enterprise grade encryption and segregation.

Yes, seamless integrations with Shopify, Xero and others available – no coding required for payments, with full api and webhooks for custom setups.

Typically local network transfers are free; swift transfers incur a fee of $15-$25; FX rates compete with Interbank rates with transparent pricing and no hidden fees.

Rapid onboarding for digital payments takes minutes; full business account setup takes hours to days depending on verification requirements.

Accepts global payment methods including cards, digital wallets, bank transfers worldwide; no coding needed; dynamic optimization tools included.

Is Airwallex Worth It?

The company provides scalable businesses with cross-border payments, FX management and payout services through its API-enabled platform. While the local rail capability makes it enterprise ready, there are some differences in the level of support provided based upon which plan tier you subscribe to. In terms of competitive advantage, Airwallex has a strong position as a result of its robust security and over 100,000 clients.

Recommended For

  • E-commerce businesses that have expanded into new markets.
  • SaaS businesses that require multi-currency payouts.
  • Large enterprises with significant volumes of cross border payments.
  • Businesses who need to automate their payments using an API.

!
Use With Caution

  • Small business owners with low volume transactions that do not want to pay for email-based support.
  • Businesses located in the UK or EU that require full banking licenses.
  • Customers that require 24/7 telephone support.

Not Recommended For

  • Domestic-only businesses that have simple transaction needs.
  • Start-up businesses that wish to avoid all FX fees.
  • Highly regulated industries that have strict requirements regarding the deployment of solutions on-premises.
Expert's Conclusion

Airwallex will be best suited for growing businesses that require international payment solutions with features such as speed, low costs and flexible API solutions.

Best For
E-commerce businesses that have expanded into new markets.SaaS businesses that require multi-currency payouts.Large enterprises with significant volumes of cross border payments.

What do expert reviews and research say about Airwallex?

Key Findings

Airwallex provides a number of robust global payment solutions with excellent FX rates, API capabilities and a large network of local transfer options across 200+ countries. Customer support from Airwallex is dependent upon the customer's subscription plan, however, customers with higher-tiered subscriptions report that they receive excellent support from Airwallex. As of this writing, Airwallex supports payments from 100,000+ businesses world-wide and holds 60+ security certifications.

Data Quality

Good - official website, help center, and user testimonials provide solid coverage. Some plan-specific details and full pricing require direct inquiry.

Risk Factors

!
Limited support for entry-level subscribers.
!
Opaque pricing information with no means of contacting sales directly.
!
High levels of competition within the fintech industry.
Last updated: February 2026

What Additional Information Is Available for Airwallex?

Global Presence

Airwallex has offices in 15+ different cities including, but limited to, Melbourne, Singapore, San Francisco, London, and Hong Kong. Airwallex allows for payments in 60+ different currencies and supports payments in 200+ countries.

Customer Testimonials

The CEO of Taxila Stone reported that he was very pleased with the quality of service provided by Airwallex when compared to early PayPal. Airwallex is trusted by 100,000+ businesses world-wide.

Security & Compliance

Airwallex holds 60+ global licenses including, but limited to, FCA authorization and PCI DSS compliance. Airwallex maintains separate funds for each client, and also includes advanced fraud prevention measures.

E-commerce Integrations

Airwallex provides native integration with many of its clients’ accounting software products including Shopify, Xero and QuickBooks. Additionally, Airwallex allows for payment method optimization to occur without the need for coding.

Competitive Positioning

Compared to Revolut Business, Airwallex is an alternative with a major focus on FX efficiency and enterprise payout capabilities as recently discussed in YouTube reviews.

What Are the Best Alternatives to Airwallex?

  • •
    Revolut Business: Provides all in one business banking services including multi-currency accounts and 24 hour/7 day chat service. Better suited for the UK/EU based small to medium sized businesses looking for a full range of banking functions and less so in terms of payouts. Airwallex will be a better choice when considering FX volume. (revolut.com/business)
  • •
    Wise Business: Offers low-cost international money transfers using clear FX rates. More suitable for infrequent or ad hoc international transfers however lacks the functionality and depth of Airwallex's payment gateway and API. Most suitable for small to medium sized businesses who are cost conscious. (wise.com/business)
  • •
    Stripe: Global premier payment provider offering global cards and subscription options. Offers robust developer resources however has higher FX fees than Airwallex. Suitable for e-commerce businesses that have a large focus on generating sales through online channels. (stripe.com)
  • •
    PayPal: The most well known digital wallet option providing buyer protection. Offers easy consumer payment options however charges high fees for cross border transactions. Airwallex offers a better solution for B2B payouts. Most suitable for retail small to medium sized businesses. (paypal.com/business)
  • •
    Mercury: Banking for US-based technology startups with API enabled treasuries. Provides excellent domestic banking capabilities, however, is significantly behind Airwallex when it comes to international capabilities. Most suitable for US-based technology companies. (mercury.com)

Transfer Metrics

180+
Countries Supported
60+
Currencies Supported
$235B+
Annual Volume
150+
Payout Countries

How Are Fees Structured for Airwallex?

FX Markup
Interbank rates
Currency Conversion Savings
Up to 80%
Transfer Fees
Transparent pricing
Local Payment Rails
Reduced costs

What Payment Methods Does Airwallex Support?

Credit/Debit CardsBank TransferDigital WalletsLocal Payment Methods160+ Local Methods

Payout Options

OptionSpeedCoverage
Local PayoutsSame day120+ countries
Bank Transfers1 business day150+ countries
Multi-currencyReal-time FX60+ currencies
Payment RailsFew hours90% transactions

Compliance & Licensing

Global Licences80+
Security CertificationsSOC 2 Type II
Fraud MonitoringReal-time
Encrypted TransactionsYes

Business Features

Multi-currency Accounts

Batch Payments

API Integration

Real-time FX

Expense Management

Team Cards

Currency Coverage

Payment Currencies
180+
Trade Currencies
60+
Receive Locally
20+
Remit Currencies
90+
Local Rails
120+ countries

Transfer Tracking

Real-time Status
Yes
Payment Rails Tracking
90% coverage
Multi-currency Visibility
Yes
API Tracking
Available
Transaction Dashboard
Yes

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