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

5 min read
pay by card

Ever Felt Stressed About Paying International Bills? Imagine this scenario: You receive an email stating that your child’s tuition fees in Australia or an invoice from your freelance designer in India must be settled by tomorrow morning. When you check your savings, you realize the funds are currently “locked” in business capital or other necessities.

You have a credit card with a generous limit, but a classic obstacle arises: The school or the freelancer only accepts manual bank transfers and has no way to process a credit card payment.

In the past, paying international invoices or sending money abroad was a complicated, time-consuming, and expensive process. But today, international invoice payments can be done as easily as local online shopping right from an app on your smartphone.

List of Content

The International Invoice Payment Analogy

To make it easier to visualize, think of Transfez as your personal “Digital Concierge Assistant.”

For example, your child abroad needs to pay their school building fees. The school only accepts local bank transfers, while you in Indonesia only have a credit card available. How can a credit card send money to an international bank account? Using Transfez, you can send money abroad simply by entering your credit card details. The funds will be received directly into the recipient’s local bank account. Convenient, right?

Why Bank Transfers Are Often Complicated (and Don’t Support Credit Cards)

hidden fees

Let’s be honest, sending money for international bills through conventional banks often comes with “traps” that waste both time and money:

Hidden Fees: Banks typically use the SWIFT network, involving intermediary banks. The result? Additional fees that deduct your funds mid-way without prior notice. A tuition bill that should have been exact ends up being short because of these cuts.
High Sell Rates: Bank exchange rate spreads are often far above the market price. When you calculate it, the total Rupiah you spend ends up much higher than the actual invoice value.
Slow Process: Your money can “float” for 3–5 business days. If you’re paying a freelancer who needs the money quickly, this wait can strain your working relationship.

Use Transfez for Any International Invoice Payment

Transfez cuts through all that complexity with benefits you can feel immediately:

Real-Time & Honest Exchange Rates: You can see competitive rates that are close to the mid-market rate in real-time. What you see on the screen is what you pay. No ghost fees!
Flat & Affordable Fees: You only pay one transparent admin fee upfront (around 2% for international). No need to worry about the recipient receiving less than they should.
Wide Reach: Need to pay a vendor in China, a freelancer in Vietnam, or insurance in Germany? You can settle invoices in over 70 countries with ease.

The Ultimate Innovation: Pay by Card

This is the most sought-after feature for parents and business owners. Sometimes, an invoice arrives at the wrong time for your cash flow.

With the Pay by Card feature, you can make international invoice payments using your credit card limit! Your child’s school fees or the freelancer’s bill gets settled today (funds are sent to their account via bank transfer), but you only actually pay the bank when your credit card bill is due next month. You secure your cash flow while still earning reward points or travel miles!

Pay by Card enables payments to multiple countries, including:
Thailand
Malaysia
India
Hong Kong
Singapur
Jepang
Inggris
Jerman
Belanda
Korea Selatan
Cina (AliPay)
Prancis
Belgia
Italia

Expanding Business Reach: Pay Global Invoices with Credit Cards (Pay by Card)

The Pay by Card (PBC) service from Transfez opens a new corridor for cross-border invoice payments using a credit/debit card, providing cash flow flexibility and simplifying reconciliation. This feature allows you to leverage the credit card billing cycle to extend payment terms, thus maintaining the company’s liquidity.

Transfez has now opened a new corridor for invoice payments with credit cards to the following countries:

Australia
Canada
Lithuania
Pakistan
Philippines

Guide: How to Send Money Internationally via Credit Card on Transfez

I guarantee you won’t be confused. Just follow these steps:

Select Country & Amount: Open the Transfez app, choose the destination country, and enter the foreign currency amount as per the invoice.
Upload Invoice: Upload a photo or file of the official invoice (such as a school bill or freelancer invoice) to ensure your transaction is secure and validated.
Recipient Details: Enter the destination bank account number. You can save this data, so next month’s payment is just one click away.
Select Payment Method: Choose the “Credit Card” option for maximum cash flow flexibility.
Confirm: Double-check the details, click pay, and your funds will be processed immediately!

Is It Safe?

Don’t worry. Transfez holds an official license and is directly supervised by Bank Indonesia. All your data is protected by international data encryption standards, ensuring your transactions are 100% legal and secure.

Now you know that international invoice payments don’t have to be expensive or complicated. With Transfez, you have full control over your finances. Keep your child’s schooling on track, keep your freelancers happy with fast payments, and keep your cash flow healthy!

Download Transfez App

Transfez App can help you transfer money abroad more quickly and efficiently. Jack Finance can also help your business in making transactions abroad. For those of you who want to send money to relatives who are abroad because they are studying, working, or traveling, Transfez will be ready to help. This app is available on Android as well as iOS.