International Invoice Payment Solutions to 70+ Countries: Convert Your Card Limit into Bank Transfers

Have You Ever Experienced This? You’ve just received an invoice from an overseas supplier or a professional service bill from an international partner that needs to be settled immediately. However, your cash is currently “circulating” as working capital or tied up in inventory. You have a credit card with a generous limit, but there is one problem: the vendor abroad only accepts bank transfers and doesn’t have an EDC machine to swipe your card.

Don’t be confused anymore, because there is now a smart way to handle this. You can make international invoice payments practically while keeping your business cash flow healthy.

Options for International Invoice Payments

There are several paths you can choose to settle your international bills. Let’s compare which one is the most profitable for you:

1. Sending Money Abroad via App

You can use the Transfez app to send money directly from Indonesia to overseas bank accounts with much cheaper and more transparent fees compared to conventional banks. The main advantage is that you can see the honest total cost upfront before hitting the send button.

Additionally, the process is very fast most transactions arrive on the same day or within a maximum of 1 business day, depending on the destination country. You will also get highly competitive exchange rates close to the mid-market rate, making your Rupiah expenditure more efficient and ensuring the recipient receives the full amount without intermediary bank deductions.

2. Sending Money Using SWIFT Code (Bank Route)

This is the traditional method that usually requires you to visit a bank branch office in person. The process tends to be bureaucratic and time-consuming, making it inefficient for those who prioritize speed. In terms of cost, this method is also more expensive due to commission fees, SWIFT fees, and hidden intermediary bank fees that are often unpredictable and deduct the balance received by the vendor abroad.

3. Paying International Invoices via Credit Card (Pay by Card)

This is the most innovative solution from Transfez, allowing you to settle international invoices using your credit card limit, while the vendor receives the funds as a cash bank transfer.

With transparent service fees 2% for international and 1.75% for local transfers this feature offers the same speed as other digital remittances, so vendors don’t have to wait for days. The primary benefit is that you can “buy time” because the vendor’s bill is paid today, while you only actually pay the bank when your credit card statement is due next month, keeping your business cash flow secure.

Read Also: 5 Best Platforms to Send Money Abroad Using a Credit Card

Advantages of International Invoice Payments Using Transfez

Why are so many business owners and freelancers switching to Transfez? Here are some of the key benefits:

• Cost Efficiency: Cuts out expensive correspondent bank fees.
• Transparent Exchange Rates: No “hidden” rates. You can view real-time exchange rate details in the app.
• Wide Card Support: You can use credit cards with VISA, Mastercard, JCB, or American Express (Amex) logos.
• Safe & Legal: Transfez is officially licensed and supervised directly by Bank Indonesia.
• Earn Rewards: Large business transactions can be used to accumulate reward points, cashback, or air miles (for free flight tickets!) on your credit card.

Pay by Card Destination Countries

The Pay by Card feature from Transfez allows you to make payments to many strategic countries, including:

Asia: Thailand, Malaysia, India, Hong Kong, Singapore, Japan, South Korea, China, Philippines, Pakistan.

Europe: United Kingdom, Germany, Netherlands, France, Belgium, Italy, Lithuania.

Americas & Australia: Canada, Australia.

Read Also: Practical Ways to Handle International Invoice Payments: Save on Admin Fees & Avoid High Exchange Rates!

How to Make an International Invoice Payment

Performing this transaction is very simple; just follow these steps:

1. Open the Transfez app, go to the Transfer & Pay menu, and select the Pay by Card option.
2. Upload your official invoice and fill in the recipient’s details according to the bill.
3. Select Credit Card as the funding source.
4. Confirm the amount and fee details, then click Pay.
5. Done! Your transaction is processed immediately, and the funds will arrive in the overseas vendor’s account as a bank transfer.