# Transferencias transfronterizas

Transfer and pay out funds to other countries.

Cross-border payouts lets you pay sellers, freelancers, content creators, and service providers in their local currencies, regardless of where they’re located.

## Choose your integration

Cross-border payouts allows Connect platforms and marketplaces to pay out connected accounts in countries where the platform doesn’t locally acquire. Alternatively, Global payouts allows any business to pay out internationally. Select the following cross-border payout integration option that matches your business model and use case.

| Factor            | Connect payouts                                                                                                                             | Global payouts                                                                                                                                                                                                                                               |
| ----------------- | ------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Behavior          | Onboard users to your platform and split payments or pay out balances to them.                                                              | Send money directly to the bank account of a third party.                                                                                                                                                                                                    |
| Platform location | US, UK, EEA, CA, and CH                                                                                                                     | US, UK                                                                                                                                                                                                                                                       |
| Best for          | Businesses that:
  - Prefer a bundled solution for payments and payouts.
  - Want to provide payee tools to track and manage earnings.      | Businesses that:
  - Want to decouple payouts from payments.
  - Want to pay out using only the recipient email address.                                                                                                                                     |
| Compliance        | Shift legal and compliance requirements to Stripe using the Stripe Money Transmitter license.                                               | Manage your own legal and compliance requirements. This might require a Money Transmitter license if you manage your customers’ funds.                                                                                                                       |
| Use cases         | - Marketplaces that exclusively use Stripe as their payments processor
  - Global financial services and insurance platforms
  - Franchises | - Insurance claims payouts
  - Fintech salary advances and disbursements
  - Rebate, warranty, and rewards payouts
  - Affiliate payouts
  - Marketplaces that use multiple payment processors, decouple payments from payouts, or require funds segregation |
| Guidance          | This guide                                                                                                                                  | [Global payouts](https://docs.stripe.com/global-payouts.md)                                                                                                                                                                                                  |

## Availability

Platforms based in the United States, United Kingdom, EEA, Canada, and Switzerland can transfer funds to connected accounts located in any of these same regions. For example:

- A platform in the UK can pay a seller in the US.
- A platform in Germany can pay a seller in Canada.

Stripe doesn’t support self-serve cross-border payouts to countries outside the listed regions. [Contact sales](https://stripe.com/contact) to discuss alternatives.

## Pricing

Each cross-border payout incurs a 0.25% fee to cover regulatory and processing costs. Fees are waived (0%) for payouts sent between the UK and the EEA, or within the EEA.

## Limitations

- **Service agreement**: You must use the Full service agreement for your connected accounts. If you require the Recipient Service Agreement, use [Global payouts](https://docs.stripe.com/global-payouts.md).
- **Supported funds flows**: Cross border payments supports the following funds flows
  - [Separate charges and transfers](https://docs.stripe.com/connect/separate-charges-and-transfers.md) without `on_behalf_of`
  - [Top-ups and transfers](https://docs.stripe.com/connect/top-ups.md)
  - [Destination charges](https://docs.stripe.com/connect/destination-charges.md) without `on_behalf_of`

## See also

- [Required verification information](https://docs.stripe.com/connect/required-verification-information.md)
- [Supported settlement currencies](https://docs.stripe.com/connect/payouts-connected-accounts.md#supported-settlement)
- [Bank account formats](https://docs.stripe.com/connect/payouts-bank-accounts.md)