These are Frequently Asked Questions regarding XTRM

XTRM Content

  • What is XTRM?
  • How do I Log into XTRM?
  • Where can I view XTRM's Help Center / Knowledge Base?
  • What are the steps to register (Basic & Advanced Profile) with XTRM?
  • How do Advocates Transfer Funds Directly from the App to their Bank Account?
  • Why does XTRM need so much compliance info?
  • Why do I need a 1099-K from XTRM?
  • When will XTRM send my company's 1099-K?
  • What is ACH?
  • How long do ACH Transfers Take?
  • How do I view the status of my ACH Payment?


If you want to review outside resources made by XTRM, Click Here

What is XTRM?

XTRM is a powerful global payment platform and embedded API powered by an intelligent digital wallet architecture that allows consumers and companies of all sizes to receive, manage and make any type of global payments. 

XTRM provides 

  • multiple mass payment collection
  • management and transfer options 
  • allows the broadest choice of cash and non-cash global payment options such as 
    • ACH, Wire, VISA Debit Cards, Virtual Visa and over 150 multinational digital gift cards. 

How do I log into XTRM?

In order to log into XTRM, you can access it through the Dashboard by heading to

Location: $ Wallet > Advocator Pay - Log into your XTRM account (Green Button)

You can also click on this link to head directly to XTRM login

Where can I view XTRM's Help Center / Knowledge Base?

XTRM has an extensive knowledge base, which covers a lot of questions that may be related to your company's needs; such as Tax Information on 1099's, how to fund your company wallet using ACH Debit, Security & Compliance information, etc.

You can view XTRM's Help Center / Knowledge Base by clicking here
or if you want to view XTRM articles that will apply to the GTR process, Click Here

What are the steps to register (Basic & Advanced Profile) with XTRM?

Please follow the instructions below for your company’s XTRM profile registration:

  1. Go to XTRM.com
  2. Click 'Log In' then use the reset password function 
  3. Once the password is reset and you are logged into the XTRM dashboard, review the left menu.
  4. Under Setup, select 'Profile'
  5. Select the 'Company (Basic)' tab towards the top center. 
    1. Fill out all fields with a red X icon next to it, these are required.
    2. Before proceeding to the Identity section, scroll to the very bottom and click Update.
    3. Return to the Company (Basic) tab and begin linking Bank and Bank card.
    4. Once the identity portal is completed, your progress bar at the top should read 100%. 
    5. If it does not, return to the basic tab and search for missing fields.
  6. Select the 'Company (Advanced)' tab towards the top center. 
    1. Most of the data already entered will be carried over, scroll down and fill in any remaining required fields that show a red asterisk.
  7. Click 'Finish and Submit'

Once you have submitted for advanced services, XTRM will review and look to grant your approval. This review process could take up to 3 to 10 days, and there may be additional compliance-related questions that we will request as needed.

For more information regarding setting up XTRM, Click Here

How do Advocates Transfer Funds Directly from the App to their Bank Account?

If the Advocate wishes to transfer funds directly to their bank account:

1.) Advocate logs into the App
2.) tap on 'Advocator Wallet' Button
3.) Type in password (for security purposes)
4.) Tap the Link Bank button (Big Blue Button on the top left of screen)
5.) Fill in Necessary Banking Information (all fields marked with *)
6.) Tap 'create recipient' at the bottom of the screen

The Advocate's bank account should now be linked and available to transfer funds to

Why does XTRM need so much compliance info?

Whereas domestic insurance and banking have much lower risks with different regulatory requirements for approval, XTRM is a global payment company and FX company.

When you open an XTRM account you are technically opening access to 65 global bank accounts, 35 free global payments rails, 150 global FX rates. As a result, XTRM must follow the vetting and compliance procedures required of their bank partners. This protects XTRM and its stakeholders from fraudulent behavior like embezzlement, money laundering, etc,. We simply facilitate interaction with XTRM to guide your onboarding experience and get you approved faster. 

In addition, XTRM handles the 1099 process, where they need all your data.

For more information on the Global Tax Management Overview by XTRM, Click Here 

Keep in mind that XTRM doesn’t share your information with anyone. XTRM is a financial institution, so they are required to get specific information. (It's like applying for a bank account etc, and must adhere to strict compliance and regulation to ensure you are moving money in a legitimate manner.) 

Why do I need a 1099-K from XTRM?

A 1099-K is considered a digital payment / electronic transfer . With a digital payment your company does not have to collect w-9's from advocates.

The IRS requires each payment settlement entity to send you a Form 1099-K by January 31 if it has processed at least $20,000 worth of payments and at least 200 transactions for you in the previous year. But you still could receive 1099-Ks from some PSEs even when the form isn't required by the IRS.

For more information, visit XTRM's article https://xtrmsupport.xtrm.com/en/support/solutions/articles/4000165361-tax001-xtrm-global-tax-management-overview

When will XTRM send my company's 1099k?

XTRM will make available an online downloadable 1099-K plus a downloadable file of all the contributing transactions on Jan 1 of the following year.

You should then submit your 1099-K with your tax return in the usual manner. Please note you do not need to submit paperwork to XTRM, such as an I9.

What is ACH?

Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. ACH credit transfers include direct deposit, payroll and vendor payments. 

*Important: The only way to set up the Wallet is through ACH Fund.

There are options such as LV Transfers, but the alternative options won’t be approved. If LV Transfer was accidentally selected, delete the LV Transfer and set up ACH Funding.

How long do ACH Transfers Take?

Transfers usually take 1-7 business days to fund your wallet.

*Important: ACH does not transact funds on either weekends or holidays. This will result in delayed deposits if transferred on those days.

Important to note: Bank Holidays' and 'Weekends' will delay the processing, as banks don't work on those days

How do I view the Status of my ACH Payment?

Under the main page to go “Total Linked Banks”
Under the Bank Name, if it says “Approved”, the admin will be able to manage various features under the GTR Wallet feature in the Company Admin Dashboard.

As you can see below, the Bank of America account status is Approved

Once setup, the choice for ACH Debit Bank payments will be displayed like the image below, where you can still link more than one bank

Outside Resources

Outside Resources are articles created by Company's that correlate with the GTR Process.

Many of the articles are linked throughout the FAQ, so some may be redundant.

Contact GTR

If you still have questions regarding anything related to GTR, please contact us at 

GTR Support Phone #: (619) 937- 3427

GTR Support Email: support@getthereferral.com

You can also submit a Support Ticket or Feature Request, located under GTR Support Dashboard; or click on the link below for submitting a support ticket.

Submit a support ticket Click Here