International Payments

Send & Receive Payments

• Send via SWIFT wires or local in-country payments (global ACH)

• Access real-time FX pricing before you send

• Reduce fees with more efficient payment routing

• Automated payment workflows

• Integrate with your systems via API

• Track payments from initiation to delivery

• Validate payment data before sending for return rates below 1% 

Payee Management

• Automate payee enrollment and data collection

• Let vendors securely submit their own banking information

• Store and manage payee data in one place

• Apply approval workflows and internal controls

• Validate payee and payment data before processing

• Enable self-serve payment tracking for vendors

• Strengthen data security and reduce risk

FX Risk Management

• Lock in exchange rates with forward contracts

• Access competitive, real-time FX pricing

• Protect margins from currency volatility

• Build hedging strategies based on your needs

• Built-in Anti Money Laundering (AML) and KYC Processes

• Maintain strong internal controls and encryption standards

• Get support from experienced FX specialists

Payee Intelligence™ 

Send payments right the first time. Payee Intelligence™  validates banking details before payments are sent, reducing return rates to under 0.5%. This tool prompts users for the exact country and currency specific requirements including CNPJ numbers, Sort Codes, ABA routing numbers, BSB Codes, and IFSC codes.  

Track 360® 

Track every payment in real time, including fees, exchange rates, and final delivery amount. Track 360®  uses SWIFT gpi to provide real-time visibility into international wires, so you and your vendors can see how funds move through the network from send to delivery. 

aPay Link

Connect your systems directly to global payments. aPay Link integrates with your internal platforms through API, enabling seamless data exchange and payment processing. Ideal for partners who want to offer global payment capabilities to their customers through their own portal. 

aPay Online

Manage payments quickly through a secure online platform. Accessible online 24/7, allowing payments to be made in just a few clicks. Ideal for businesses managing a small number of recurring payments. 

SchedulePay

Plan and manage payments in advance. aPay users can schedule and submit single or batch payments in advance, improving forecasting and reporting. Users simply enter the due date, payee, currency, and amount. Once submitted, scheduled payments can be updated or removed as needed. 

Payee Intel

Simplify how you collect vendor payment details. Send secure requests to payees, allowing them to submit their own banking information directly into the platform. Payee Intel, powered by Payee Intelligence™, is a secure, self-contained portal, which flows back into aPay automatically. 

White Label

Offer global payments under your own brand. aPay and aPay Pro can be fully branded with your logo and colors, so payments feel like a native part of your platform.

Launch global payments quickly and extend your product offering without building new infrastructure.

Single Sign-on  (SSO)

Your customers and internal teams can access payment functionality without leaving your platform.

Single Sign-on connects your internal systems, treasury tools, or client portals directly to aPay. Users simply click through to initiate and manage payments, with no separate login or workflow disruption.

Security & Compliance

Protect payment data and reduce compliance risk. We manage the complexity of security and regulatory requirements so you don’t have to.

aPay centralizes payment data in a secure environment with built-in controls, validation, and approval workflows. AML and KYC processes are embedded into the platform to support compliance across jurisdictions.