SEND002 — Global Payment Methods & Execution Options

Xtrm offers two frameworks for processing B2B and B2C global disbursements: Xtrm Choice™, where the beneficiary selects the withdrawal channel, and Xtrm Direct™, where the remitter pre-determines it.

Prerequisite: Your company must be approved for Advanced Services before sending payments.

Both frameworks are available through Advanced Send, Mass Payments (CSV upload), and Embedded Payments (the Xtrm API). Simple Send supports Xtrm Choice only.

1. Xtrm Choice™ (recommended)

Xtrm Choice transfers funds into the beneficiary's Xtrm digital wallet — whether an individual or a company. The recipient then chooses how to withdraw or transfer their balance.

Key advantages

• Minimal data required — you need only the recipient's name and email address. No banking or card credentials upfront.

• Beneficiary autonomy — recipients manage their own withdrawal channel, currency conversion, and bank linking.

• Reduced compliance risk — you never collect or store recipient bank details.

• Branded communication — recipients receive custom-branded email alerts carrying your company's logo and payout details.

 Xtrm Choice™ Options available to recipients

How It Works

1. The sender initiates a payment using the beneficiary’s name or email address.

2. The beneficiary receives payment notification and access to their XTRM Wallet.

3. The beneficiary selects their preferred method to receive or use the funds.

2. Xtrm Direct™

Xtrm Direct lets you choose and mandate the payout mechanism upfront, routing funds straight to the destination without the beneficiary selecting a withdrawal path.

Available payout rails

• To bank — ACH, wire, SEPA, or local EFT into the beneficiary's bank account.

• To prepaid card — instant issuance of Visa or Mastercard, virtual or plastic.

• To digital gift card — delivery from 100+ retailer brands.

• To check — physical check mailed to an individual or business address. USA only

Key advantages

• Full remitter control — suited to payouts that must follow rigid corporate policies or contracts.

• Automated delivery — funds flow directly to bank accounts or cards with no recipient action.

• Global currency support — competitive FX rates when converting to foreign currencies.

Choosing between them