What is Xtrm AnyPay™?
Xtrm AnyPay™ is the outbound payout distribution engine of the Xtrm platform. It allows organizations to execute mass payouts, rewards, incentives, and contractor payments to individuals or companies anywhere in the world—giving recipients complete flexibility over how they receive their money.
At a Glance
Flexible Recipient Options: Pay beneficiaries via direct bank wire/ACH, virtual or plastic Visa/Mastercard cards, or 1,000+ global digital gift cards.
Global Currency Coverage: Disburse funds in over 140 currencies with real-time foreign exchange (FX) conversion.
Two Payout Modes: Choose between Xtrm Direct™ (automated push to a specified method) or Xtrm Choice™ (recipient picks their preferred cash-out option).
Automated Compliance: Integrated global tax tracking (including 1099-K generation) and identity verification (KYC/AML).
Intelligent Wallet Architecture
Xtrm AnyPay™ uses a linked and hierarchical wallet structure that allows businesses to manage funds more effectively.
Organizations can:
- Create and manage multiple wallets
- Track funds across users, departments, customers, or partners
- Move funds between wallets securely
- Support complex business models through connected accounts
- Maintain detailed visibility into payment activity
This architecture enables businesses to map their operational structure directly to payment workflows and settlement processes.
Xtrm Direct™ vs. Xtrm Choice™ Payout Modes
Xtrm AnyPay™ supports two distinct operational workflows to fit different enterprise payout needs:
| Feature | Xtrm Direct™ | Xtrm Choice™ |
| Best For | Standard payroll, predictable partner disbursements | Incentives, SPIFs, gig workers, global rewards |
| Recipient Experience | Automated deposit directly into pre-configured account | Self-serve portal or embed where recipient chooses withdrawal method |
| Data Requirements | Sender must provide recipient payout details upfront | Sender only needs recipient email or mobile number |
Xtrm Choice™ Flow
Xtrm Direct™ Flow
Supported Payout Channels
| Channel | Delivery Method | Processing Time | Regional Availability |
| Local Bank Transfer | ACH, EFT, Direct Credit | 1–3 Business Days | 100+ Countries |
| Global Wire | SWIFT Wire | 1–2 Business Days | Worldwide |
| Prepaid Virtual Visa / Mastercard | Instant Digital Delivery | Immediate | International |
| Plastic Prepaid Visa Card | Physical Card or Virtual | 5–10 Business Days | Supported Regions |
| Digital Gift Cards | Virtual Digital Card | Immediate | 1,000+ Retailers Globally |
Core Enterprise Benefits
No Need to Store Banking Data
By utilizing Xtrm Choice™, businesses can disburse payments globally using only an email address. Recipients log in securely to provide their own bank or payment preferences, reducing your security footprint and liability.
Multi-Currency & Cross-Border Payouts
Fund payouts in your primary operating currency (e.g., USD, EUR, GBP) and let AnyPay automatically convert balances into local recipient currencies at competitive FX rates.
Built-In Tax & Regulatory Compliance
AnyPay tracks lifetime disbursement thresholds per beneficiary. When thresholds are crossed, the system automatically collects necessary tax information (such as W-9 / W-8BEN) and generates required end-of-year tax forms (e.g., 1099-K).
Contact Information
To learn more about Xtrm AnyPay™ for Companies, contact the Xtrm team:
Phone: 1-866-367-9289
Email: sales@xtrm.com
You can also submit your information through the Xtrm website to speak with a payments specialist about your business requirements.
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