How Growton cut cross-border payment fees by 75% with Xflow
From unacceptable conversion charges and recurring card limitations to secure USD holdings and a payments partner that genuinely solves problems.
75%
Savings on FX fees
Zero
Hidden charges
10/10
Rated customer support
Use case
Growton receives cross-border payments from its Australian client base and manages approximately 50-60 international card transactions monthly for SaaS tools and subscriptions. The firm needed a reliable, cost-effective way to receive international funds, hold USD balances strategically, and make cross-border card payments without being penalised at every step.
Problem summary
Growton in its early days struggled significantly with the cost of cross-border payments. Previous payment providers were charging anywhere between 3.5-4% on every transaction, which was simply unacceptable for a growing agency operating on international margins.
Why Xflow
Growton discovered Xflow through conversations with founders in the SaaS community through peers who understood that financial platforms need to be both trustworthy and genuinely cost-effective. What Growton found was a legal, reliable way to manage cross-border payments at sub-1% transaction fees, which was significantly lower from what they had been paying before.
Results
Growton went from paying 3.5-4% on every cross-border transaction to under 1%, a dramatic reduction that directly improved margins on international revenue. USD balances are now held securely and converted strategically, and the international card has eliminated the recurring payments problem entirely. What once required hours of research and workarounds is now handled in one place, with a team that is always ready to help.
Impact on Growton's business
Lower FX costs
Transaction fees dropped from 3.5-4% to under 1%, improving margins on revenue
Strategic USD holdings
Funds held securely and converted at the most favourable rate
One platform for everything
Receiving payments, holding balances, and spending internationally all in one place
People-first support
A proactive team that solves problems, from onboarding through day-to-day operations
“It's not just the product, it's the people. They're not selling something, they're genuinely trying to solve the problem. Don't deal with any platform charging you a bomb. Just go with Xflow.”
Ashwin G, Founder at Growton
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