Customers can pay international beneficiaries quickly and easily, just as they can for domestic beneficiaries.

Customers authorise the money to be paid from their bank account in GBP, just as they do for domestic payments, but instead of being paid directly to the beneficiary, international payments are paid to a funding wallet held in the customer's name. The funds are then exchanged for the target currency and automatically paid out to the international beneficiary.

To be able to pay international beneficiaries, an Organisation requires the InternationalPayments feature to be enabled. You can check the enabled features of an Organisation using Get Organisation.

Prerequisites

The Organisation needs to have connected a bank account using Connect
- This enables the DomesticPayments feature
The Organisation needs to have completed KYC/KYB verification using Verification flow
- Once checks are complete, this enables the InternationalPayments feature

Pay Runs

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Pay runs can contain a mix of domestic and international payments
All payments are sent from the customer's bank account in GBP currency, to the sending bank an international payment looks like any other domestic payment.

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Scheduled pay runs cannot contain international payments
Due to the volatility of foreign exchange markets, scheduling international payments is not supported. Pay runs containing international payments must be paid immediately upon authorisation.

Rates and Fees

There are two types of fees charged on international payments:

Provider Fixed Fees: These are fixed fees that vary by the payment network used to send the money internationally
**Provider Variable Fees **: These are proportional to the value of the payment and can vary by target currency

Each of these fees and the exchange rate used to exchange currencies are given together with the payable in every context a payable is seen - Get pay run, and in webhook events for Payable updates.

See Get pay run for a detailed explanation of the currencyConversion response object and Collecting Fees for more info about the fees response object.

Reversed Payables

Sometimes when an international payment fails to deliver, it must be reversed and sent back to the payer. Depending on how far through processing a payment was when it failed, it could incur bank charges or losses in converting back to the funding currency, and the funds returned may be less than the funds sent.

When the status of a Payable is Returned then the amount returned will be shown in the payable's details in Get pay run and Payable status changed webhook events.

Supported Payments

We are in the process of rolling out support for currencies, countries, and payment networks.

We currently support the following currencies:

Currency Code	Currency
AUD	Australian Dollar
BHD	Bahraini Dinar
CAD	Canadian Dollar
CHF	Swiss Franc
CZK	Czech Koruna
DKK	Danish Krone
EUR	Euro
GBP	Great British Pound Sterling
HKD	Hong Kong Dollar
HUF	Hungarian Forint
IDR	Indonesian Rupiah
ILS	New Israeli Sheqel
JPY	Japanese Yen
KES	Kenyan Shilling
KWD	Kuwaiti Dinar
OMR	Omani Rial
NOK	Norwegian Krone
NZD	New Zealand Dollar
PHP	Philippine Peso
RON	Romanian Leu
QAR	Qatari Riyal
SAR	Saudi Riyal
SEK	Swedish Krona
SGD	Singapore Dollar
THB	Thai Baht
TRY	Turkish Lira
PLN	Polish Złoty
UGX	Ugandan Shilling
USD	United States Dollar
ZAR	South African Rand

GBP payments to countries other than GB (United Kingdom) are not supported.

GBP is the only supported funding currency for any payment, domestic or international.

Currency Info

Different currencies have different trading cut-off times after which currency conversion is typically performed at midnight the following day. This means that any funding that occurs after the cut-off time will delay the Payable reaching Processed state until the following day.

Different payment networks have varying delivery times, there might also be some limitations from banks for minimum amounts not readily available.

See below for guidance per currency, with specific rail information if applicable:

Currency	Trading Cut-off Time (UTC)	Local Network Est. Delivery Time	SWIFT Network Est. Delivery Time	Amount Limits (Max)	Amount Limits (Min)
Euro (EUR)	12:50	15 mins (SEPA Instant) 24hrs (SEPA Credit used automatically if over instant amount)	< 24 hours
US Dollar (USD)	14:30	ACH: up to 2 days Fedwire: up to 24hrs (FedNow can be 15 mins)	< 24 hours (often 2 hrs)	USD 1,000,000
Australian Dollar (AUD)	12:00	Up to 24hrs	Up to 24hrs
South African Rand (ZAR)	08:30		< 24 hours		ZAR 125
Canadian Dollar (CAD)	14:30	< 24 hours	Sub 24hr (most common between 2-6 hrs)	CAD 200,000
Bahrain Dinar (BHD)	12:00		Up to 24hrs
Chinese Yuan (CNY/CNH)	07:00		Up to 24hrs
Czech Koruna (CZK)	07:00	< 24hrs	< 24hrs	CZK 1,000,000
Danish Krone (DKK)	08:30	< 24hrs	< 24hrs	DKK 500,000
Hong Kong Dollar (HKD)	12:00	Up to 24hrs	Up to 24hrs	HKD 500,000	HKD 1
Hungarian Forint (HUF)	07:00	< 24hrs	< 24hrs	HUF 10,000,000	HUF 1
Indian Rupee (INR)	14:30	< 24hrs		INR 1,500,000
Indonesian Rupiah (IDR)	14:30	< 24hrs		IDR 350,000,000
Israeli Shekel (ILS)	12:00		Up to 24hrs
Japanese Yen (JPY)	12:00		Up to 24hrs
Kenyan Shilling (KES)	12:00		Up to 24hrs		KES 5000
Kuwait Dinar (KWD)	12:00		Up to 24hrs
Malaysian Ringgit (MYR)	14:30	< 24hrs		MYR 100,000
New Zealand Dollar (NZD)	12:00		Up to 24hrs
Norwegian Krone (NOK)	08:30	< 24hrs	< 24hrs	NOK 25,000,000
Omani Rial (OMR)	12:00		Up to 24hrs
Philippine Peso (PHP)	14:30	< 24hrs		PHP 1,300,000
Polish Zloty (PLN)	07:30	< 24hrs	< 24hrs	PLN 1,000,000
Qatar Rial (QAR)	12:00		Up to 24hrs
Romanian Leu (RON)	07:00	< 24hrs	< 24hrs	RON 200,000
Saudi Riyal (SAR)	12:00		Up to 24hrs
Singapore Dollar (SGD)	12:00	Up to 24hrs	Up to 24hrs	SGD 200,000
Swedish Krona (SEK)	08:30	< 24hrs	< 24hrs	SEK 500,000
Swiss Franc (CHF)	08:30	< 24hrs	< 24hrs
Thai Baht (THB)	08:00		Up to 24hrs		THB 500
Turkish Lira (TRY)	07:30	< 24hrs	< 24hrs	TRY 100,000
Ugandan Shilling (UGX)	08:00		Up to 24hrs
United Arab Emirates Dirham (AED)	12:00		Up to 24hrs		AED 30