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Paymentearth review

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Secure international business transfers in over 45 currencies.

Paymentearth offers convenient online transfers with an upfront fee structure and a fixed exchange rate margin tailored to suit the needs of your business. But it’s not exactly transparent about its transfer policies or delivery speed.


Min. Transfer Amount

No limit

Max. Transfer Amount

1 - 2 days

Transfer Speed


Product NamePaymentearth
Min. Transfer Amount$1
Max. Transfer AmountNo limit
Transfer MethodsOnline, Phone, Bank Account to Bank Account
Transfer OptionsRegular payments, One off payments, Market orders, Forward contracts
Transfer Speed
Minimum transfer time
1 - 2 days
Customer ServicePhone, Email
Exchange Rate UpdatesReal time

How much will I pay to send money with Paymentearth?

The fee that applies to your Paymentearth transaction varies depending on your payment method:

  • ACH transfer: Free
  • Wire transfer: $1
  • SWIFT transfer: $8

However, if you’re sending an amount more than $5,000, the wire transfer fee is waived.

How are Paymentearth’s exchange rates?

You can view Paymentearth’s current exchange rates by using the calculator on its website. Rates are updated in real time and correspond with the interbank rate.

Note that Paymentearth’s online calculator uses the interbank rate with a conversion fee of 0.5% applied, but this may not reflect the margin that applies to your international transactions.

Paymentearth adds a fixed margin on top of the interbank rate for all your international payments. The margin varies depending on how often and how much you send overseas.

What types of transfers does Paymentearth support?

Paymentearth supports the following payment options:

  • ACH transfers. Automated clearing house transactions are quick, secure and free. Paymentearth debits your account on the day of the trade.
  • Wire transfers. Transactions less than $5,000 cost $1 and take an extra one to two business days to process.
  • SWIFT transfers. The Society for Worldwide Interbank Financial Telecommunication (SWIFT) network offers urgent payments, same- or next-day processing and traceable receipts. However, it cost $8.

The money you transfer is deposited directly into your recipient’s bank account.

Benefits and drawbacks


  • Wide range of currencies. Paymentearth allows you to send international payments in more than 45 currencies.
  • Transparent fee structure. There are no hidden fees, as they’re all quoted upfront. And if your average payment is $5,000 or more, you won’t be charged any transaction fees.
  • Fixed margins. Paymentearth’s fixed exchange rate margin is calculated based on your business transfer requirements and is applied to all transactions.
  • Other FX services. Paymentearth also offers a number of other services to help you manage your business’s international payments — including exchange rate forecasting and the ability to hold up to 25 foreign currencies in your account.


  • Limited information available online. Information such as minimum and maximum transfer limits, the exact transfer process and transfer delivery time is not readily available on the Paymentearth website.
  • No credit card payment. If you want to pay for a transfer using your credit card, you’ll need to look elsewhere.

Compare Paymentearth to other transfer services

See how this provider compares to other money transfer services in fees, exchange rates, transfer limits and more.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
$0 Same day USD 0.00 0.82 EUR 12,303 Save your time and money with XE Money Transfer for business. Go to site Show details
$1,000 1 day USD 0.00 0.821 EUR 12,315 Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates. Go to site Show details
$1 3 - 5 days USD 7.00 0.818 EUR 12,260 Enjoy high maximum transfers into more than 20 currencies, while saving up to 90% over local banks. Go to site Show details
USD 10,000 1 - 2 days USD 0.00 0.817 EUR 12,260 Dunbridge Financial offers diverse transfer options to more than 120 countries. Powered by Currencycloud. Go to site Show details
GBP 5,000 Same day USD 0.00 0.821 EUR 12,315 Increase business efficiency with zero transaction fees and same-day transfers. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

How do I send money through Paymentearth?

You’ll need to sign up for an account before you can send any international payments with Paymentearth. Here’s how to register and submit a transfer:

  1. Visit the Paymentearth website and click the Open an account link.
  2. Enter your business name, address, federal employer ID number, state of incorporation, business structure and other details. You’ll also be asked to provide an article of incorporation for your business.
  3. Provide your name, address and date of birth.
  4. Provide two copies of ID to confirm your identity.
  5. Enter details of your transfer requirements, including the frequency of transactions and the approximate amount you’ll be sending.
  6. To initiate a transfer, specify the amount and currency you want to send and provide your recipient’s bank account details.
  7. Review the total cost of your transaction before submitting your transfer request.

Paymentearth transfer application process

How do I track my Paymentearth transfer?

You can track your Paymentearth transfer online by logging into your account. If you have a problem with or a question about your transaction, contact the provider’s customer support team by phone, email or live chat.

Bottom line

With a fixed exchange rate margin and support for more than 45 currencies, Paymentearth could be worth considering if you’re searching for a competitive international payment provider. Compare international transfer services to help you find the best provider to manage your business’s overseas payment needs.

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