Powering the Future of Cross-Border Payments for Modern Businesses

CurrencyCloud provides the embedded payment infrastructure that enables banks, fintechs, and enterprises to move money seamlessly across borders in 180+ countries and 35+ currencies.

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Powering the Future of Cross-Border Payments for Modern Businesses

A Complete Payment Infrastructure Built for Scale

Embedded Multi-Currency Wallets

Give your customers the ability to hold, receive, and send money in 35+ currencies from a single account. Our virtual account infrastructure lets you issue named IBANs and local account numbers in major financial centers including the UK, EU, US, and Canada. Funds are segregated and held with tier-one banking partners, ensuring safety and regulatory compliance. Whether your users need to receive payments from international clients or manage treasury across multiple geographies, our wallet infrastructure handles it all through a simple, well-documented API.

Competitive Foreign Exchange

Access institutional-grade FX rates across 35+ currency pairs with full transparency and no hidden markups. Our FX engine supports spot conversions, forward contracts, and market orders — giving your business and your customers the flexibility to manage currency risk effectively. Rate quotes are delivered in real time via API, and you can lock in rates for up to 24 months with forward contracts. Build your own margin on top of our wholesale rates to create a revenue stream from every conversion.

Global Payment Rails

Route payments through the fastest and most cost-effective channels automatically. CurrencyCloud connects to SWIFT, SEPA, Faster Payments, ACH, and dozens of local clearing systems worldwide, ensuring your payments arrive quickly and affordably. Our intelligent routing engine selects the optimal path for each transaction based on destination, currency, speed requirements, and cost — so you never overpay for a payment that could have been routed locally. Same-day settlement is available in many corridors.

Built-In Compliance & KYC

Navigate the complex world of international payment regulations with confidence. CurrencyCloud is regulated by the FCA and maintains licenses and registrations in multiple jurisdictions. Our platform includes automated sanctions screening, transaction monitoring, and reporting tools that help you meet your regulatory obligations without building an in-house compliance team from scratch. We continuously update our compliance engine to reflect changing regulations across all the markets we serve.

Developer-First API Platform

Our RESTful APIs are designed by developers, for developers. Comprehensive documentation, SDKs in popular languages (Python, Ruby, Java, PHP, .NET), sandbox environments, and dedicated technical support mean you can go from first API call to production in weeks, not months. Every feature of our platform is accessible via API, giving you complete control over the user experience. Webhooks keep your systems in sync with real-time event notifications for payments, conversions, and account activities.

Real-Time Reporting & Analytics

Gain complete visibility into your payment flows with real-time dashboards, transaction tracking, and detailed reporting. Monitor conversion rates, payment statuses, settlement times, and fee breakdowns across all your accounts and currencies. Export data via API or CSV for integration with your accounting and ERP systems. Our reporting tools help you identify trends, optimize corridors, and make data-driven decisions about your international payment strategy.

Why Leading Fintechs and Banks Choose CurrencyCloud for Cross-Border Payments

The global payments landscape is undergoing a fundamental transformation. Businesses and consumers alike expect international transfers to be as fast, transparent, and affordable as sending a text message — yet the underlying infrastructure powering most cross-border payments was designed decades ago for a very different world. Legacy correspondent banking networks involve multiple intermediaries, each adding time, cost, and opacity to every transaction. The result is a system where a simple international payment can take 3-5 business days, cost 3-7% in fees and FX markups, and leave senders and recipients with no visibility into where their money is at any given moment. CurrencyCloud exists to change that. We've built a modern, cloud-native payment platform that sits on top of the global financial system and abstracts away its complexity. Instead of integrating with dozens of banks, payment schemes, and FX providers individually, our clients connect once to our API and instantly gain access to a global network spanning 180+ countries and 35+ currencies. What sets us apart is our focus on being infrastructure, not a consumer-facing product. We power the payment experiences of hundreds of fintechs, banks, and enterprises — companies like Starling Bank, Revolut, and dozens of others rely on our technology to deliver their international payment services. This B2B focus means we're laser-focused on reliability, scalability, and developer experience. Our platform processes over $100 billion annually with 99.99% uptime, and our APIs are consistently rated among the best-documented in the fintech industry. Being backed by Visa since 2020 gives us unique advantages in terms of global reach, liquidity, and trust. We combine the agility and innovation culture of a fintech with the scale and stability of one of the world's largest payment networks. For our clients, this means access to deeper liquidity pools, more competitive FX rates, and the confidence that comes from partnering with a platform backed by a Fortune 500 company. Whether you're building the next great neobank, modernizing a traditional financial institution, or launching a global marketplace, CurrencyCloud provides the payment infrastructure you need to move money across borders with speed, transparency, and confidence.

From initial consultation to live transactions, our streamlined onboarding process is designed to get you up and running quickly — with dedicated support at every stage.

How to Get Started with CurrencyCloud in Four Simple Steps

01
Step 1

Schedule a Consultation

Tell us about your business, your payment volumes, and the markets you serve. Our solutions team will work with you to design the optimal integration architecture and identify the CurrencyCloud products that best fit your needs. Whether you need a full white-label solution or specific API modules, we'll create a tailored plan for your launch.

02
Step 2

Access the Sandbox Environment

Get immediate access to our full-featured sandbox environment where your development team can explore our APIs, test payment flows, and build your integration without any risk. Our comprehensive documentation, SDKs, and code samples accelerate development, and our technical support team is available to answer questions and review your integration architecture.

03
Step 3

Complete Compliance Review

Our compliance team guides you through the onboarding and due diligence process, ensuring your business meets all regulatory requirements for the markets you plan to operate in. We handle sanctions screening setup, transaction monitoring configuration, and reporting requirements so you can launch with confidence and full regulatory compliance.

04
Step 4

Go Live and Scale Globally

Once your integration is tested and compliance is approved, you're ready to process live transactions. Our platform scales automatically to handle growing volumes, and our dedicated account management team provides ongoing support, optimization recommendations, and access to new features and corridors as they become available.

CurrencyCloud by the Numbers: Proven Scale and Reliability

Our platform powers cross-border payments for hundreds of businesses worldwide, processing billions in transactions with industry-leading uptime and customer satisfaction.

📊
$100B+
Annual Transaction Volume
🌍
180+
Countries Supported
🎯
35+
Currencies Available
👥
500+
Business Clients Worldwide
🏆
99.99%
Platform Uptime SLA
⚡
< 2 sec
Average API Response Time
📊
24/7
Technical Support Coverage
👥
4.8/5
Client Satisfaction Score

Frequently Asked Questions About CurrencyCloud

1

What types of businesses use CurrencyCloud's payment infrastructure?

CurrencyCloud serves a wide range of businesses including fintech companies, digital banks, neobanks, traditional banks, payment service providers, foreign exchange brokers, international payroll companies, and global marketplaces. Any business that needs to send, receive, or convert money across borders can benefit from our platform. Our clients range from early-stage startups processing their first international payments to large financial institutions handling billions in annual volume.
2

How long does it take to integrate with CurrencyCloud's APIs?

Integration timelines vary depending on the complexity of your use case and the number of API products you're implementing. Simple integrations — such as adding FX conversion or single-currency payments — can be completed in as little as 2-4 weeks. More complex implementations involving multi-currency wallets, full white-label solutions, and multiple payment corridors typically take 6-12 weeks. Our developer documentation, SDKs, and dedicated technical support team are designed to accelerate your integration timeline.
3

Is CurrencyCloud regulated and how does it handle compliance?

Yes, CurrencyCloud is authorized and regulated by the UK Financial Conduct Authority (FCA) as an Electronic Money Institution. We also maintain registrations and licenses in multiple other jurisdictions. Our platform includes built-in compliance tools including automated sanctions screening against global watchlists, transaction monitoring, and regulatory reporting. Client funds are safeguarded in accordance with FCA requirements and held with tier-one banking partners.
4

What currencies and countries does CurrencyCloud support?

CurrencyCloud supports payments to 180+ countries and FX conversion across 35+ currencies including USD, EUR, GBP, CAD, AUD, JPY, CHF, SGD, HKD, and many more. We continuously expand our currency and country coverage based on client demand. Our payment network includes direct connections to major local clearing systems such as SWIFT, SEPA, Faster Payments, ACH, and BACS, enabling fast and cost-effective settlement in most corridors.
5

How does CurrencyCloud's pricing work?

CurrencyCloud offers transparent, volume-based pricing with no hidden fees. You pay for the services you use — whether that's FX conversions, payment processing, or account management. FX pricing is based on a spread over the interbank rate, and payment fees vary by corridor and speed. We work with each client to create a pricing structure that reflects their volume, corridors, and use case. Contact our sales team for a detailed quote tailored to your business.
6

What is CurrencyCloud's relationship with Visa?

CurrencyCloud was acquired by Visa in 2021, becoming a key part of Visa's global payment infrastructure strategy. This partnership gives CurrencyCloud access to Visa's unparalleled global network, deeper liquidity pools, and enhanced credibility with financial institutions worldwide. For our clients, the Visa backing translates to more competitive FX rates, expanded corridor coverage, and the assurance of partnering with a platform supported by one of the world's most trusted financial brands.
7

Can I white-label CurrencyCloud's services under my own brand?

Absolutely. CurrencyCloud is designed as infrastructure that powers your branded payment experience. Your customers interact with your brand, your interface, and your support team — while CurrencyCloud handles the underlying payment processing, FX conversion, compliance screening, and settlement behind the scenes. Our APIs give you complete control over the user experience, and we never interact directly with your end customers.
8

What level of technical support does CurrencyCloud provide?

We provide comprehensive technical support at every stage of your journey. During integration, you get access to a dedicated solutions engineer who reviews your architecture and helps optimize your implementation. Post-launch, our support team is available 24/7 for critical issues, with standard support available during business hours. We also provide detailed API documentation, status pages, and proactive monitoring to ensure your payment flows run smoothly at all times.

Ready to Transform Your Cross-Border Payment Experience?

Join hundreds of forward-thinking fintechs, banks, and enterprises already using CurrencyCloud to power seamless international payments.

Request a Demo Today

Get in touch with our team to discuss your cross-border payment needs and discover how our platform can power your business.