Top 5 Payment Gateways in the USA and Their Transfer Limits (2025 Guide)

Sep 5, 2025

2 min read

A U.S. business owner comparing payment gateway transfer limits on a laptop, with icons of PayPal, Wise, OFX, Xe, Xoom, and KadePay.

Why Payment Gateway Transfer Limits Matter

If you run a business in the USA, knowing payment gateway transfer limits is critical. High transfer limits help companies handle large invoices, recurring payments, and bulk transactions without disruption. On the other hand, hidden restrictions can slow down operations, frustrate clients, and impact cash flow.

That’s why we’ve put together this 2025 guide to the top 5 payment gateways in the USA—and their transfer limits—so you can make smarter financial decisions.

1. PayPal Transfer Limits

✅ Per Transaction (Verified): Up to $60,000 (though often capped at $10,000).
✅ Instant Transfer to Bank: $25,000 per transaction.
✅ Instant Transfer to Debit Card: $5,000 per day/week, $15,000 monthly.
✅ ACH Transfers: $100,000/day, up to $1M/month.

👉 While PayPal is widely trusted, its daily and per-transaction caps can create challenges for high-volume businesses.

2. Wise (Formerly TransferWise)

✅ Per Transfer: Up to $1,000,000.
✅ ACH (Personal): $50,000/day, $250,000 per 60 days.
✅ ACH (Business): $50,000/day, $400,000 per 60 days.

👉 Wise is known for cross-border transfers with competitive fees, but ACH caps can be limiting for U.S. businesses managing frequent transactions.

3. OFX Transfer Limits

✅ Per Transfer: No formal cap, but high-value transfers may require approval or support.

👉 OFX is great for flexibility, but it’s less seamless for businesses needing fast, automated transfers.

4. Xe Money Transfer

✅ Per Transfer: Up to $535,000 via app or website.
✅ Higher caps may be available for enterprise or corporate accounts.

👉 Xe supports large-value transfers, but the process is often slower compared to instant-payment platforms.

5. Xoom (By PayPal)

Xoom uses a tier-based limit system:

Level 1: $2,999/day, $6,000 per 30 days.
Level 2: $10,000/day, $20,000 per 30 days.
Level 3: $50,000/day, $60,000 per 30 days, $100,000 per 180 days.

👉 While Xoom is great for remittances, it’s not ideal for businesses due to rigid tier-based caps.

Quick Comparison Table

Gateway	Maximum Transfer Limit (USA)
PayPal	$60K TXN, $25K instant bank, $5K/day card, $100K/day ACH
Wise	$1M per transfer, $50K/day ACH
OFX	No formal cap; approvals needed
Xe	$535K per transaction
Xoom	$100K over 180 days (tiered)

Why Businesses Are Moving to KadePay

While big names like PayPal or Wise dominate, their transfer limits and fees often restrict small and mid-size businesses.

KadePay offers:

⚡ Instant Transfers with no confusing cap structures.
💳 Support for all major payment methods: credit cards, ACH, Apple Pay, Google Pay, Venmo, Zelle, Cash App, and more.
🔒 Enterprise-grade security (PCI compliance, tokenization, fraud protection).
📊 A simple dashboard for tracking transfers in real time.

With KadePay, you don’t just get flexibility—you get peace of mind that your transactions will go through when you need them.

Final Takeaway

In 2025, knowing your payment gateway transfer limits is just as important as comparing fees and speed. While PayPal, Wise, Xe, OFX, and Xoom each have strengths, they also have caps that can restrict growth.

KadePay was built to remove these barriers—giving U.S. businesses seamless, secure, and fast money movement.

👉 Ready to upgrade your payments? Visit www.kadepay.com and see how easy transfers can be.