International payments
Currency conversion and transfers to suppliers, subsidiaries or other beneficiaries. For higher-volume operations, batch payments may be explored where available.
Foreign exchange and international payments
Payments, collections and foreign exchange for companies operating internationally. An initial conversation to understand flows and explore alternatives with specialists.
Discuss my operationsPROFILE
Who could this be relevant for?
Importers, exporters and finance teams with recurring payments or receipts in different currencies, overseas suppliers or subsidiaries, and treasury planning requirements.
Typical enquiries
- Supplier payments and international collections
- Recurring currency conversion
- Currency exposure and process reviews
BUSINESS OPERATIONSFrom one-off payments
From one-off payments
to recurring international flows.
Areas of enquiry based on business requirements. The specialist entity confirms the scope, eligibility and terms of each service.
Collections and currencies
Receiving income in different currencies and reviewing conversion requirements, timing and flow management.
Currency risk
Reviewing amounts, dates and currencies to understand how exchange rate movements may affect budgets and margins.
CURRENCY EXPOSUREThe same currencies.
The same currencies.
Different requirements.
An importer paying in a foreign currency and an exporter receiving it have different exposures. The review starts with actual flows and business priorities.
Current payment requirements
Enquiries about spot currency purchases or sales, with settlement subject to the transaction terms.
Future commitments
Exploring possible forward contracts for payment purposes in eligible transactions, subject to the entity’s assessment and terms.
Timing and monitoring
Discussions with specialists about maturities, exposure and information requirements to support treasury planning.
Hedging requires an understanding of its terms and obligations. Access to specialists does not guarantee savings, a more favourable exchange rate or elimination of all risk.
PROCESSES AND CONNECTIVITYGreater visibility.
Greater visibility.
Fewer disconnected tasks.
Where appropriate, capabilities to connect payments and foreign exchange with business operations may be explored.
Batch payments
Processing payments together for suppliers, teams or collaborators.
Multi-currency operations
Capabilities to send, receive or hold currencies, depending on the entity and client profile.
API and ERP
Exploring connectivity with business systems, subject to availability and technical scope.
Traceability
Monitoring and control information to improve operational visibility.
SCOPE
Understanding the case comes first.
Service, instrument and integration availability depends on the profile, jurisdiction and specialist entity. Analysis and contracting remain with that entity.
The process may involve fees, preparation and assessment costs, and transaction-related commissions. The applicable charges and terms will be disclosed before engaging each stage.
PROCESS
From enquiry to next steps.
Each stage depends on suitability and the information available.
Initial context
Describe the requirement and review basic information.
Suitability assessment
Identify an appropriate specialist and the scope that may be considered.
Specific assessment
The relevant entity analyses the case and communicates its requirements and terms.
RESPONSIBILITIES
Clear roles from the outset.
We facilitate contact and coordination within the agreed scope. Assessment, approval and contracting remain with the entity or parties involved.
Before information is shared with a collaborator, the recipient and the applicable handling arrangements will be identified.
For the first conversation
Currencies and countries; approximate annual volume; frequency and key dates; the impact of exchange movements on margins; and the current payment, collection and conversion process.
Do not send identity documents or sensitive financial information in the initial enquiry.
FREQUENTLY ASKED QUESTIONS
Before proceeding.
Can integrations with our systems be explored?
Enquiries may include batch payments, APIs or connectivity with business systems. Availability, requirements and technical feasibility must be confirmed with the relevant entity.
What is the difference between spot and forward?
Spot refers to a currency purchase or sale with settlement according to the transaction. A forward contract allows a rate to be agreed for a future date, with specific obligations and terms. The entity must explain how it works and assess eligibility.
Can recurring payments and collections be discussed?
Yes. The initial conversation may cover currencies, countries, frequency, volumes and the current process to assess which specialist could consider the requirement.
Who sets the exchange rate and terms?
The entity delivering the transactional service communicates the quote, charges, availability and contractual terms.
Is this activity part of the AI product?
These are separate areas. Connections with specialist entities are distinct from the proprietary technology currently under development.
Discuss my operations.
Share the basic context to assess the next steps.
Discuss my operations