Real-time rates. Simple fees.
Stop losing money to hidden exchange rate markups. Vixzz converts your currency at the actual, live market rate and charges a single, transparent percentage. No subscription traps, no surprise deductions.
Simple percentage-based fees
Pay only for what you transfer. We never charge monthly subscription costs.
Send & Receive
For individuals sending funds to family, friends, or saving assets internationally.
API & Collections
For global platforms, gig marketplaces, and merchant services accepting and paying out funds.
0% FX Markup Rate
We convert your funds using the real, live mid-market rate. We never charge or hide conversion fees.
How Vixzz compares to other platforms
Most platforms hide dynamic conversion fees inside the exchange rate. Here is the direct breakdown.
| Platform | Vixzz | PayPal | Payoneer | Legacy Banks |
|---|---|---|---|---|
| FX Rate Markup | 0% (None) Real-time mid-market rate | 3.0% - 4.5% Hidden FX margin | up to 2.0% Exchange markup | 3.0% - 6.0% Bad bank markup rates |
| Transfer / Transaction Fee | 1.0% Send 0.4% Deposit | 0.2% Accept | 2.9% - 4.4% + fixed fee Dynamic merchant fee | up to 3.0% card load or $1.50 per withdrawal | $15 - $45 flat wire plus sending bank fees |
| Payout Speed | Instant Direct local wallet/bank deposit | 1 - 3 business days Slow domestic clearances | 2 - 5 business days Batch processing times | 3 - 5 business days SWIFT wire delays |
| Hidden Intermediary Fees | None Direct payment routing | High withdrawal margins Dynamic country rules | Annual account maintenance and card load markup | SWIFT correspondent cuts deducted from payout |
Pricing Frequently Asked Questions
Everything you need to know about our fees, rates, and limits.
Do you charge an exchange rate margin or markup?
No. Unlike legacy banks, PayPal, or Payoneer, Vixzz does not add any markup to the exchange rate. We convert currencies at the real-time mid-market rate. We do not charge an FX exchange fee.
What are the exact fees for personal transfers?
For personal accounts, sending money is 1% of the transfer amount, depositing funds is 0.4%, and withdrawing funds is 0.4%. There are no subscription fees, setup fees, or hidden costs.
What are the fees for Business API users?
For Business API and Developer integrations, accepting payments (collections) is just 0.2% of the transaction volume. Sending bulk payments or payouts via API is 1%. Volume discounts are available for high-volume enterprise routing.
Are there any hidden intermediary bank fees?
Never. We settle all transactions locally through partner networks and mobile money wallets. This means your transfer does not pass through SWIFT correspondent banks, preventing any unexpected deduction fees.
How long is the quoted exchange rate guaranteed?
When you create a transfer quote using the Vixzz calculator, the rate is locked for exactly 15 minutes. This gives you ample time to fund the transfer without worrying about market fluctuations.