Global Spend Overview

Global Spend

A comprehensive global fund disbursement solution for enterprise clients, integrating Virtual Credit Card (VCC) and Mass Payout capabilities to help businesses manage cross-border supplier payments, marketplace seller settlements, and workforce payroll distribution from a single platform.
WorldFirst Global Spend is a standardised cross-border payment and collection service for single-entity clients. Open a WorldFirst multi-currency account (WA) and gain access to local collection, foreign exchange, and global payout capabilities across the entire payment chain — without the hassle of opening multiple bank accounts across countries.
On top of this, clients can optionally add Pay CNY to China (foreign exchange settlement into China) and World Card as value-added services.
There are 2 layers of capabilities to choose from, depending on your business needs. The base layer covers the essential cross-border payment lifecycle, while the value-add layer provides specialised capabilities for China-bound settlement and corporate expense management.
Dive into Use case to learn how you could use them to benefit your businesses.
💡 This page mainly introduces our Global Spend capability. For more details about other capabilities, kindly refer to the relevant links attached in the respective sections.

Clients Availability

WorldFirst Global Spend is suitable for businesses that need to make and receive payments across borders regularly:
  • Companies, corporations, or partnerships with cross-border payment needs.
  • Registered businesses with a legal entity operating in international markets.
  • Platforms and service providers that disburse funds to suppliers, sellers, or contractors globally.

Supported countries/regions

To explore coverage for Global Spend capabilities, see Supported regions and currencies.

Core Capabilities

Understanding how Global Spend is used across these core capabilities, and which layer fits your use case, helps you design the right integration from the start.
Explore our Global Spend capabilities below and follow the instructions to get started.

Payout

WorldFirst Global Payout equips global merchants and enterprises with the ability to perform single and batch transfers to bank accounts, World Accounts, local wallets, and CNY recipients in China. We currently support 100+ payout currencies in local and cross-border clearing systems across 200+ countries and territories.
WorldFirst provides global payout capabilities as follows:
  • Pay to World Account — Instant, fee-free transfers to other World Account holders.
  • Pay to Bank Account — Single or batch transfers to third-party bank accounts in 100+ currencies.
  • Pay CNY to China — Compliant CNY disbursements with mandatory regulatory reporting fields.
  • Pay to Wallets — Disburse funds to 14+ local e-wallets across Southeast Asia.
Navigate to the Single Payout and Mass Payout section to know more about each of these capabilities.

World Card

WorldFirst World Card provides both Virtual Credit Cards and Physical Cards for enterprise expense management. VCC enables instant card issuance for online payments, SaaS subscriptions, and ad spend, with granular MCC and spending controls. Physical Cards extend card payment capabilities to in-person transactions.
Key features include:
  • Instant issuance — Get a virtual card online in seconds, for free.
  • Global acceptance — Pay in 150+ currencies wherever Mastercard is accepted.
  • Direct from balance — No need to withdraw to external accounts; pay directly from your World Account balance.
  • Smart spend controls — Define spending limits, MCC restrictions, and card validity per card.
  • 0% FX fees — No FX fees for transactions in 15 currencies when holding balance in your World Account.
Navigate to the World Card section for the detailed capabilities.

Value-Added Capabilities

Pay CNY to China

Pay CNY to China enables clients with China business to settle foreign income (USD, EUR, GBP, HKD, etc.) into CNY and credit it to a Chinese local bank account or Alipay account. This capability requires compliance with China's foreign exchange control regulations, including mandatory trade material submission and settlement quota management.
To learn more about Pay CNY to China, see the Pay CNY to China section.

Reporting

With WorldFirst reporting, you can download account statements and transaction reports through the WorldFirst Portal or by using our API capabilities.
WorldFirst provides API integration for statement queries and downloads:
  • Statement Report — Transaction statements for reconciliation.
  • Download Report — Export reports in CSV or PDF format.

Get Started

Before you start to integrate with WorldFirst, you need to create a sandbox account.
The sandbox simulates real API behaviour, allowing you to test transaction flows, currency conversions, and data mapping without moving real money. It also allows you to explore and understand the full range of WorldFirst payment products and services before boarding.

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