Lowest Fee Instant International Money Transfer
Open Global Business Accounts in 5 Minutes
Open Global Business Accounts in 5 Minutes
At SWiM PAY, we're proud to offer a suite of cutting-edge features designed to surpass the evolving demands of modern financial transactions.
- Instant International Money Transfers to Digital Wallets & Bank Accounts
- Better FX rates than the banks
- Lowest Fees (0.45% to SWiM PAY client, 0.65% to other clients, capped for large amounts)
- Send & receive funds to over 190 countries and over 49 currencies
- Highest B2B Payment Ceilings
- Better Reporting & Documentation for Businesses
At SWiM PAY, we prioritise speed and efficiency, ensuring your digital wallet transactions are processed instantly. Our advanced technology allows you to send money internationally instantly, giving you peace of mind and swift service. Paying instantly ensures your goods or inventory can be delivered to you much earlier, thus increasing your sales opportunities and saving your business money in inventory & warehouse holding costs.
We offer some of the best foreign exchange rates in the market, coupled with the lowest transfer fees. SWiM PAY is committed to providing you with the most cost-effective solutions for your international money transfers. Our competitive pricing ensures you receive the highest value for your money, making us the preferred choice for businesses worldwide.
Our platform is designed to accommodate high-volume B2B transactions with ease. SWiM PAY offers some of the highest payment ceilings in the industry, enabling you to conduct large-scale international transfers seamlessly.
Some banks and money transfer companies put small limits on the maximum amount you can transfer, with limits typically at or below USD $5,000 to USD $25,000.00 range. SWiM PAY removes these barriers by providing some of the Highest B2B Payment Ceilings available, most with no maximum limits for transactions in almost every region we service.
This feature is particularly beneficial for businesses that require substantial transaction limits, allowing for smoother operations, better cash flow management, and increased transactional efficiency.
By utilising SWiM PAY, businesses can focus more on growth and less on the logistics of large international payments.
SWiM PAY clients receive automatic free membership in our business rewards program—SWiM REWARDS. Earn points for US Cashback simply by making or receiving payments on SWiM PAY. We automatically credit your USD$ reward points into your SWiM REWARDS account, which can be redeemed for cash in US Dollars or one of the 49 currencies we provide.
Alternatively, you can use your points on the SWiM REWARDS Marketplace for over 4,500+ gift cards, or swap points in participating programs like hotels or airlines. You can even transfer points to others with a SWiM REWARDS account. SWiM REWARDS gives you the freedom to use your points how, when, and where you want.
Experience flexible transactions with SWiM PAY. Unlike many other payment services, we impose no minimum transaction amounts, allowing you to send or receive any amount with ease. Whether you're making a small payment or a large transfer, our platform ensures complete flexibility for all your financial needs. Provided you have sufficient funds in your currency account (digital-wallet), you can conduct transactions of any size without restrictions.
You pay no fees to deposit or withdraw money between your SWiM PAY digital wallet and your own nominated external bank account. We refer to your nominated external bank account as your "Linked Funding Account" so that we can identify Pay Ins or Pay Outs to/from that bank account registered on your SWiM PAY account and ensure that no fees are ever charged to you on those transactions. This seamless integration allows you to easily manage your funds without any additional costs, providing a hassle-free financial experience.
Our platform supports a variety of pay-in currencies, allowing you to fund your SWiM PAY account with ease. You can pay in or receive external bank payments in 15 major currency digital wallets, providing greater scope for international trading and cross-border payments. Many banks or payment service providers offer only a limited range of currencies that you can pay into your currency digital wallets—usually only up to 5 or 6.
We facilitate transactions in 49 pay-out currencies, providing comprehensive coverage for your global financial operations. Whether you need to send money to Europe, Asia, Africa, or the Americas, SWiM PAY ensures your funds reach their destination quickly and efficiently.
How does it work? Fund your Pay Out digital wallets by converting from any of the 15 Pay In currencies using our FX Conversion. Then you can pay out in that currency. If you no longer need a specific currency, simply convert it back to any of the 15 Pay In currencies without any fees—this is what we call Reverse FX.
With SWiM PAY, you can make instant wallet-to-wallet payments in any of our 49 currencies if the recipient also has a SWiM PAY account. This eliminates the wait for traditional transfers, allowing you to get paid instantly if your customer also has a SWiM PAY account.
Our platform offers superior reporting and documentation features, ensuring that you have complete visibility and control over your financial activities.
With SWiM PAY, you receive automatic monthly account statements, providing a comprehensive overview of your transactions. These statements help you keep track of your financial activities and ensure accurate record-keeping.
For detailed financial analysis, SWiM PAY allows you to download your transaction history in CSV format. This feature enables easy integration with your accounting systems and simplifies data management.
With SWiM PAY, you can pay invoices in different currencies even if you don’t have enough funds in that currency. Simply select the Payee and enter the amount. If funds are insufficient, choose an alternate digital wallet with enough funds, and SWiM PAY will convert the amount instantly. The Payee receives the payment in their currency, while you pay from your available funds.
SWiM PAY simplifies invoicing, streamlining your financial operations and saving you valuable time.
Our platform includes a free invoicing facility, allowing you to generate and send invoices to your clients effortlessly. This feature helps you maintain professional billing practices and ensures timely payments.
You simply create your invoices on SWiM PAY, print or download them as a PDF. Then send them to your client so they pay directly into your SWiM PAY account. How easy is that?
SWiM PAY's bulk payment feature allows you to process multiple transactions simultaneously, making it easier to manage payroll, supplier payments, and other large-scale financial operations. Where some international companies charge large fees to use their billing systems, SWiM PAY offer this feature at no extra charge. This functionality is designed to enhance efficiency and reduce administrative workload.
Banks and credit card companies charge high fees for international payments. With SWiM PAY, digital wallet-to-digital wallet transfers cost only 0.45%, and payments to external bank accounts are just 0.65%, both capped for large amounts.
SWiM PAY's extensive global network allows you to send and receive funds in over 190 countries. Our platform supports transactions in 49 currencies, ensuring that no matter where your business operates, we can facilitate your financial needs efficiently and cost-effectively.