Xe Business

Xe Business is a trusted platform for organisations handling international payments and currency exchanges. It simplifies the complexities of global finance, allowing businesses to send money securely across borders whilst managing FX risks effectively. UK-based companies expanding worldwide rely on Xe Business to save time, reduce costs, and focus on core growth strategies.

What is Xe Business?

Xe Business provides a comprehensive suite of tools for global money transfers and financial risk management, backed by nearly 30 years of expertise in currency services. As part of the Euronet family, it processes over $115 billion in business payments annually, offering a reliable online platform for everything from simple transfers to sophisticated FX strategies. Businesses appreciate its transparent pricing and user-friendly interface that eliminates the hassle of traditional banking delays.

The platform caters to a wide range of needs, from startups making their first international payment to mid-market firms integrating FX data into enterprise systems. With support for over 170 currencies, Xe Business ensures accurate, real-time exchange rates sourced from reputable providers and central banks. This authority in currency data makes it an essential tool for organisations navigating volatile markets and cross-border operations.

Founded on principles of security and efficiency, Xe Business has evolved to include advanced features like same-currency payments in regions such as the UK, Europe, Canada, and the USA. It empowers businesses to lock in rates, schedule transfers, and track progress effortlessly, turning potential financial headaches into streamlined processes.

Key Features

• Global Money Transfers: Send secure payments to multiple currencies with fast processing and real-time tracking
• FX Risk Management: Access sophisticated products from expert dealers to hedge against market fluctuations
• Competitive Exchange Rates: 24/7 monitoring ensures rates that often beat competitors, with instant alerts for targets
• ERP Integrations: Direct connections to Microsoft Dynamics 365 and Sage Intacct for unified payment handling
• Currency Data API: Real-time data for 170+ currencies from over 100 trusted sources for seamless app integration
• No Surprise Fees: Transparent structure with no minimum transfers and near-zero costs
• Custom Dealer Support: Book calls for tailored solutions on complex international needs
• Same-Currency Payments: Simplify transactions in supported regions without conversion hassles

Benefits for Businesses

Organisations using Xe Business gain significant cost savings through competitive rates and low fees, which can reduce overall FX expenses by substantial margins. The platform’s security measures, trusted by tens of thousands worldwide, protect sensitive financial data and ensure compliance with international standards, minimising risks in global dealings. This reliability allows businesses to scale operations confidently, freeing resources for innovation and expansion.

Beyond immediate savings, Xe Business delivers long-term ROI by simplifying risk management in volatile markets. Companies report improved cash flow visibility thanks to instant analytics and reporting, enabling better financial planning. For UK firms, the focus on European and global compliance means less administrative burden, allowing teams to prioritise strategic growth over transactional details.

Additionally, the ease of use across devices supports remote teams, ensuring payments can be managed anytime, anywhere. This flexibility is particularly valuable for export-oriented businesses, where timely transfers directly impact supplier relationships and revenue cycles.

Use Cases and Applications

Xe Business shines in scenarios like import/export operations, where a UK retailer sourcing goods from Asia uses it to lock in favourable rates and avoid currency losses. The platform’s transfer scheduling ensures payments align with supplier terms, maintaining strong partnerships whilst protecting margins from exchange rate swings.

For tech startups with international freelancers, Xe Business facilitates quick, low-fee payouts in local currencies, reducing administrative overhead. A mid-market manufacturer might leverage the FX hedging tools to stabilise costs for raw materials priced in USD or EUR, providing predictability in budgeting and forecasting.

In professional services, such as consultancies with global clients, the API integration feeds accurate currency data into billing systems, ensuring precise invoicing. These applications demonstrate how Xe Business supports diverse industries, from manufacturing to services, by addressing real-world financial challenges with practical, scalable solutions.

Integration & Ecosystem

Xe Business fits seamlessly into existing business workflows through robust integrations with popular ERP systems like Microsoft Dynamics 365 Business Central and Sage Intacct. This allows for centralised payment management, where global transactions appear alongside domestic ones, complete with real-time gain/loss tracking and automated reporting. Such connectivity reduces data silos, enhancing overall financial oversight.

The currency API extends this ecosystem by enabling custom applications, such as embedding live rates into e-commerce platforms or financial dashboards. Businesses can automate payment workflows with third-party tools, creating a unified environment that boosts efficiency and accuracy in international dealings.

Pricing and Plans

Xe Business employs a flexible, transaction-based pricing model that aligns costs with usage, starting with near-zero fees per transfer and no minimum amounts. This makes it accessible for small businesses handling occasional international payments. For higher volumes, volume discounts and custom rate agreements are available, often resulting in savings compared to traditional banks.

Enterprise-level plans include dedicated FX support and advanced risk tools, with pricing tailored to specific needs—typically offering better margins for frequent users. Free tools like the exchange rate calculator and API trials allow organisations to evaluate value without upfront commitment, whilst annual billing options provide further cost predictability.

Exclusive Savings on Xe Business

UK organisations looking to maximise value on Xe Business subscriptions can explore exclusive perks and discounts through PerkLedger. Our platform aggregates verified deals from finance providers, helping companies reduce software and service costs by up to 20%. Additionally, PerkLedger’s Discovery Rewards programme allows members to earn cashback on eligible purchases, turning routine international payment investments into tangible savings opportunities. Access these benefits through our website, browser extension, or mobile app to stay updated on the latest Xe Business offers and streamline your financial toolkit.

Getting Started with Xe Business

Beginning with Xe Business is straightforward: create an account online to access instant rate checks and set up your first transfer in minutes. For more complex needs, booking a call with an FX dealer provides personalised guidance on risk strategies and integrations. Businesses should start by integrating with existing ERP tools to test workflows, gradually scaling to full FX management as global activities grow.

Implementation typically involves verifying business details for security, followed by API setup for automated data flow. With dedicated onboarding support, even non-technical teams can quickly realise benefits like cost optimisation and enhanced security. Ongoing monitoring through the dashboard ensures continuous alignment with business objectives, making Xe Business a long-term partner in global finance.

To deepen adoption, organisations can utilise the knowledge base for tutorials on advanced features, such as hedging contracts or multi-currency reporting. Regular rate alerts keep users proactive, whilst the platform’s scalability supports growth without disruption. Ultimately, starting small and expanding usage allows businesses to build confidence in managing international finances effectively.