Source: https://rivet.global/blog/best-business-account-for-amazon-sellers
Published: 2026-09-27 · Updated: 2026-11-05 · By William Sunjo M.

# The best business accounts for Amazon sellers selling across borders

Accounts for Amazon sellers compared on receiving marketplace payouts, FX on disbursements, supplier payments and ad spend cards.

## Key takeaways

- Amazon pays disbursements to a bank account in a supported country and currency. If you sell on several marketplaces, you need details in each currency or Amazon converts for you.
- WorldFirst is built for sellers: free to receive from 130+ marketplaces, up to 0.50% to convert, and cheap payments to China.
- Payoneer is widely used by sellers, but charges 1% to receive in a non-local currency and 0.50% to convert.
- Rivet suits sellers that also run an agency or service business, pay contractors, or use stablecoins: USD details in the company's name, unlimited virtual cards for ad spend, and USDC and USDT.

A UK seller with stores on Amazon.com, Amazon.de and Amazon.co.uk gets three disbursements every two weeks, in dollars, euros and pounds. Into a single sterling bank account, two of them go through Amazon's currency converter at Amazon's rate. Into an account with USD and EUR details, they arrive in the original currency and the seller decides when to convert.

## Five options compared

| | Receive marketplace payouts | FX | Supplier payments | Ad spend cards |
|---|---|---|---|---|
| WorldFirst | Free, 130+ marketplaces | up to 0.50% | £11.55 USD to China | 25 virtual, cashback up to 1.2% |
| Payoneer | Varies by marketplace; 1% non-local | 0.50% | 1.2% to 4% with conversion | Card fees up to 3.5% |
| Wise Business | Free domestic in 9 currencies | from 0.24% | Fee varies | Card free in held currencies |
| Airwallex | Free local collection | 0.5% majors | Local 120+ countries | 10 or 50 cards |
| Rivet | No fee on bank transfers into USD; EUR, GBP on Growth | from 0.80% / 0.50% / 0.30% | $2 / $1 / $0.50 per payout | Unlimited virtual cards |

Prices are from each provider's page, read in November 2026.

## The pick for most sellers

For a pure product seller paying suppliers in China, WorldFirst is the strongest fit. It was built for this, receiving is free, and China payments arrive within four business hours.

## When Rivet fits better

Many sellers also run something else: an agency, a SaaS tool, a brand that wholesales to retailers. Those clients pay invoices, not marketplace disbursements. Rivet gives the company USD details in its own name on the free Starter plan, unlimited virtual cards to split ad spend by brand or platform, payouts to contractors and suppliers in 120+ countries, and USDC and USDT. Growth adds EUR and GBP details.

Whether Amazon accepts a given account for disbursements is Amazon's decision, based on the account's country and currency. Test with a small payout first. Our guide to [Amazon seller payouts to a company account](/blog/amazon-seller-payouts-to-company-account) covers the setup, and [virtual cards for ad spend](/blog/virtual-cards-for-ad-spend) covers card control. Rivet is not a bank; regulated partner institutions hold client funds.

## Questions

### Can I receive Amazon payments into a multi-currency account?

Yes, if Amazon accepts the account's country and currency for your marketplace. Amazon's Seller Central lists supported bank locations. Test with a small disbursement before switching your main marketplace.

### Should I let Amazon convert my disbursements?

Amazon's currency converter is convenient but its rate includes a margin. Receiving in the marketplace currency and converting yourself at a published rate is often cheaper. Compare both on one disbursement.

### What is the best card for Amazon ad spend?

A virtual card per marketplace or brand with its own limit, from an account that holds the ad currency so you avoid card FX fees.