Currency transfers.
Ten rails reachable from one instruction set, with the tracking record that goes with each.
Choosing the rail is most of the work. A corridor that stalls on a wire often clears on a local scheme, and the reverse happens just as often, so we pick per transaction rather than defaulting to one route.
SWIFT
Cross border payment instructions over the SWIFT network. Worth being precise about what this is: SWIFT carries the message between banks. The money itself settles through correspondent accounts, which is why a valid message and a completed settlement are two different things.
- MT103 for single customer credit transfers
- MT760 for instrument delivery
- UETR issued per payment, so the transfer can be tracked end to end
- Confirmation and tracking record supplied with every transaction
SEPA
Euro payments across the SEPA area, using IBAN addressing and a common scheme rulebook, which keeps euro transfers between member countries priced and processed as domestic rather than international.
- SEPA Credit Transfer for standard settlement
- SEPA Instant where both parties reach the scheme
- IBAN validation before submission
Instant payments
Domestic real time schemes where funds arrive and are final within seconds, at any hour. Availability depends entirely on the country and on whether the receiving institution participates.
- UK Faster Payments, SEPA Instant, and comparable regional schemes
- Irrevocable once accepted, so beneficiary detail is verified first
- Scheme value caps apply and are checked before submission
API integration
A documented interface for partners that would rather submit programmatically than by file or portal. Initiate a transfer, retrieve its status, and reconcile against your own ledger.
- Initiate a transfer and retrieve status by UETR
- Health endpoint and discovery document
- Keys issued per partner, scoped to the agreed activity
- Full request and response logging on both sides
No payment message is proof that funds arrived. We supply the settlement confirmation as well as the message, because a document showing an instruction was sent is routinely presented as though it showed a completed payment.
Not sure which of these you need?
Describe the outcome rather than the product. We will tell you which route fits, or that none of them do.
Speak to the desk