Cross border payments - business foreign exchange solutions | StoneX

Global payments. Redefined.

Global payments

StoneX Payments provides a fast, cost-efficient, and effortless way to move money around the world.

StoneX Payments at a glance

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Correspondent banks

Cross-border payment specialists for

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International development organizations

We help international development organizations: charitable organizations, governments, and NGOs maximize their impact.
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Financial institutions

We help financial institutions provide cross-border payments to their clients so they can enhance their FX capabilities.
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Corporations

We provide businesses of all sizes with a comprehensive payment solution to support their international operations.
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Educational institutions

We provide comprehensive payment solutions for the education sector, enhancing global reach.

The simple and secure way to send money overseas

StoneX Payments provides customized foreign exchange and payment solutions. If you need to make international payments, safeguard yourself from currency exchange rate fluctuations, and conduct transactions with user-friendly technology, we're the ideal partner for you.

Seamless payment connectivity options

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Customizable

Incorporate your own internal processes into our easy-to-use web-based platform.
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API connections

StoneX Payments API connections are designed to automate your internal processes and save time when making cross-border payments.
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Host-to-host

For clients looking to process high-volume payments, we can connect direct and secure connections from your systems into StoneX Payments.

Access the latest market insights in international payments

Currency

Currency guide

Many countries require different information when it comes to processing payments. This can make sending money overseas feel like hard work. Our currency guide simplifies the process by providing all the necessary information for your selected country.
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Market intelligence

Our comprehensive market intelligence services provide clients with real-time data, expert analysis, and valuable insights on global currency trends. We help clients understand exchange rates, manage currency fluctuations, and identify risks.

Upgrade your payment infrastructure with StoneX Technology Services

We provide payment solutions to help you process transactions more efficiently. We specialize in connecting organizations to the Swift network, staying compliant with Swift initiatives (gpi, pre-validation etc.), and automating manual payment processes. We focus on delivering fast and accurate payments for customers that want to reduce the cost and friction involved in cross-border transactions.

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Swift products and services

We make Swift initiatives less costly and burdensome. We help organizations to be more secure and stay compliant with current Swift initiatives.
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StoneX Messaging Hub (XMH)

We enable organizations to become agnostic to payment standards, formats, and networks. We specialize in ISO 20022 migrations, cash visibility, and many other payment processing services.
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Case study: Save the Children
StoneX worked with Save the Children and their correspondent banks to enable MT940 reporting via the XMH platform. Through this optimization of reporting, Save the Children was able to gain better visibility of their account balances around the world, leading to a reduction in administrative costs.

Innovative payment services under development and in service

Send money to and from Brazil with ease
Making financial payments to and from Brazil can be tricky, but StoneX Payments makes it simple. Our payment-processing services make it quick and easy to send and receive money from countries in South America.
International payments to Colombia now available
StoneX Payments is proud to share that clients now have the capability to complete cross-border payments to and from Colombia. If you are interested in learning more about this news, you can arrange a conversation with our team now.
Accept payments in local currency internationally
StoneX Payments will launch a new digital payment platform that will allow corporates, financial institutions, international development organizations, and e-commerce platforms to accept payments in local currency in developing countries. We aim to announce a release date hopefully later this year.
Market Intelligence: Recent articles

Discover more insights

Dive into comprehensive market analysis from StoneX spanning commodities, equities, currencies and more.

FAQ

How many local currencies does StoneX Payments specialize in?

StoneX Payments specializes in 140+ currencies.

Does StoneX Payments have a customer support team?

Yes, StoneX Payments has a dedicated multi-lingual customer support team who are available 24/5 to help answer your queries.

How long do international payments normally take to settle?

International payment settlement times can vary, typically ranging from a few hours to several business days. Factors such as countries involved, payment method, intermediary banks, and compliance requirements influence the duration. 

StoneX Payments can usually guarantee spot delivery within two working days from execution.

What is the Swift banking system?

Swift (Society for Worldwide Interbank Financial Telecommunication) is an international banking system used to securely transmit financial messages and other data between banks and other financial institutions. Swift codes are used to identify specific banks and financial institutions, as well as the country in which the bank or institution is located. The Swift system also allows for the exchange of payment instructions and confirmation of payments, helping to ensure the accuracy and timely processing of international payments.

How does payment processing work?

Payment processing is the process of verifying and authorizing payments for goods and services.

What are international payments?

Global payments refer to the ability to transfer money between countries or currencies using electronic payments. This type of payment system allows individuals and businesses to transfer funds quickly and securely internationally.

Let’s get connected

To learn more about how our customized financial solutions can help you stay one step ahead in the global markets, contact our team today.

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By submitting this form, you are sending StoneX Group Inc. and its subsidiaries your personal information to be used for marketing purposes. View our  Privacy policy  to learn more.

The StoneX Group Inc. (the “Company”) group of companies provides financial services worldwide through its subsidiaries, including physical commodities, securities, exchange-traded and over-the-counter derivatives, risk management, global payments and foreign exchange products in accordance with applicable law in the jurisdictions where services are provided. StoneX Payment Services Ltd. is a wholly owned subsidiary of StoneX Group Inc. Incorporated in the State of Washington, U.S.A., Washington Corporation (UBI 603 514 004). Authorized and regulated by Money Service Business Multi-State Protocol on NMLS [NMLS:1394445] Licensing and Regulatory Information United States: StoneX Payment Services Ltd. (U.S.A.)
Washington Corporation (UBI 603 514 004)
Florida HQ (F19000000068)
FinCEN Registration as an MSB (31000225191175)
Global Markets Entity Identifier (GMEI) (543008RP59ZQ3UQ1882)
NMLS Registration (1394445)
FINTRAC Registration as an MSB (MSB registration no. M22868358)
Revenu Québec Registration as an MSB (MSB license no. 15540)
Multiple states use the NMLS ID number (1394445) as StoneX Payment Services Ltd.’s money transmitter license number. This number, as well as any state-specific licensing numbers, are included below for all states in which StoneX Payment Services Ltd. is licensed as a money transmitter:
Alabama (MT 811), Alaska (AKMT-016908), Arkansas (129564), Arizona (MT-1000854), California (MT 2653), Colorado (500262), Connecticut (MT-1394445), District of Columbia (NMLS 1394445), Florida (FT230000253), Georgia (65171), Idaho (MTL-240), Illinois (MT 0000338), Iowa (2019-0003), Kansas (MT.0000148), Kentucky (SC700740), Louisiana (1394445), Maine (NMLS 1394445), Maryland (NMLS 1394445), Michigan (MT0022015), Minnesota (NMLS 1394445), Missouri (MO-20-8525), Nebraska (NMLS 1394445), New Hampshire (22926-MT), New Jersey (1903874), New Mexico (NMLS 1394445), North Dakota (MT103229), Ohio (OHMT159), Oklahoma (NMLS 1394445), Oregon (30224), Pennsylvania (58690), South Carolina (NMLS 1394445), South Dakota (MT.2142), Tennessee (NMLS 1394445), Texas (3179), Utah (178), Washington (550-MT-116463), West Virginia (WVMT-1394445), Wyoming (7253).

2023 © StoneX Financial GmbH (“SFG”) is a wholly owned subsidiary of StoneX Group Inc, entered in the Frankfurt am Main Commercial Register, HRB 101212, authorized to perform payment service in accordance with § 1 (1) s. 2 No. 6 German Payment Act (ZAG) and regulated by the Federal Financial Supervisory Authority and the German Federal Bank (BaFin-ID: 10141964).

2023 © StoneX Financial Ltd (“SFL”) is a wholly owned subsidiary of StoneX Group Inc. All rights reserved. SFL is registered in England and Wales, company no. 5616586. SFL is authorised and regulated by the Financial Conduct Authority (registration number FRN:446717) to provide to professional and eligible customers including: arrangement, execution and, where required, clearing derivative transactions in exchange traded futures and options. SFL is also authorised to engage in the arrangement and execution of transactions in certain OTC products, certain securities trading, precious metals trading and payment services to eligible customers. SFL is authorised & regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. SFL is a category 1 ring-dealing member of the London Metal Exchange. In addition SFL also engages in other physically delivered commodities business and other general business activities which are unregulated and not required to be authorised by the Financial Conduct Authority. SFL provides Global Payments Services using its agents: StoneX Group Inc in the United States of America and StoneX Financial Pte Ltd in Singapore.

This document and the information herein is provided confidentially for information purposes only to the recipient and shall not be deemed to be an offer for the sale or purchase of any financial services product transaction or advice. Trading swaps and over-the-counter derivatives, exchange-traded derivatives and options and securities involves substantial risk and is not suitable for all investors. The information herein is not a recommendation to trade nor investment research or an offer to buy or sell any derivative or security. It does not take into account your particular investment objectives, financial situation or needs and does not create a binding obligation on any of the StoneX group of companies to enter into any transaction with you. You are advised to perform an independent investigation of any transaction to determine whether any transaction is suitable for you. This information is provided on an ‘as-is’ basis and may contain statements and opinions of SPS, SFG or SFL, as well as excerpts and/or information from public sources and third parties and no warranty, whether express or implied, is given as to its completeness or accuracy. SPS, SFG or SFL (on its behalf and on behalf of its group, directors, employees and agents) disclaims any and all liability as well as any third party claim that may arise from the accuracy and completeness of the information detailed herein, as well as the use of or reliance on this information by the recipient, any member of its group or any third party.

StoneX Financial Pte. Ltd. ("SFP") (Co. Reg. No 201130598R) is regulated by Monetary Authority of Singapore and holds a Capital Markets Services Licence (CMS100476) for Dealing in Securities, Collective Investment Schemes, Exchange-Traded Derivatives Contracts, Over-the-Counter Derivatives Contracts, and Spot Foreign Exchange Contracts for the Purposes of Leveraged Foreign Exchange Trading, is an Exempt Financial Advisor under the Financial Advisors Act 2001, and is a Major Payments Institution (PS20200625) under the Payment Services Act 2019 for Cross Border Money Transfers.

StoneX Financial (HK) Limited ("SHK") (CE No.: BCQ152) is regulated by the Hong Kong Securities and Futures Commission for Dealing in Securities and Dealing in Futures Contracts.

StoneX APAC Pte. Ltd. (“SAP”) (Co. Reg. No 200616676W) is regulated as a Dealer (PS20190001002) under the Precious Stones and Precious Metals (Prevention of Money Laundering and Terrorism Financing) Act 2019 for purposes of anti-money laundering and countering the financing of terrorism. SAP is an “Approved International Trading Company” authorized to act as a “Spot Commodity Broker” under the Commodity Trading Act.

SFP acts as an appointed agent for SFL's payment services business.