Payments

Get paid and pay out on local and international rails.

SEPA, SEPA Instant, Faster Payments, CHAPS, ACH, domestic wires and SWIFT, plus local rails in many more countries. Receive into dedicated accounts and send bulk payouts from a CSV file.

  • Local rails in many countries
  • Collections
  • Supplier payments
  • Bulk payouts
  • Live now Crypto payments
  • Coming soon Bank transfers
  • Demo Compare payment routes
Get started

What you get

Local rails in Europe, the UK, the US and more

SEPA and SEPA Instant for euros, Faster Payments and CHAPS for sterling, ACH and domestic wires for US dollars. Local rails in many other countries are available too. Ask us about the countries you need.

SWIFT for everywhere else

International receipts and payments, including USD through your SWIFT account.

Collections

Receive client and customer payments into dedicated or virtual IBANs, each payment with its reference.

Supplier payments

Pay suppliers abroad with the rail, amount, fees and reference shown before you confirm.

Bulk payouts

Upload a CSV of contractors, affiliates or partners, review the batch, then submit it in one go.

Stablecoin payouts

Pay recipients who prefer USDC or USDT from the same batch. Network fees are shown before you approve the batch.

Inside the platform

  • Illustrative platform preview — sample data.
  • Illustrative platform preview — sample data.

Sign in to a demo workspace and try each product with sample data.

From receipt to supplier payment

A US buyer pays in dollars, you hold them, convert what you need and pay a supplier in euros. Each fee appears as its own line.

A buyer in the US pays your invoice

FromNorthline Imports Inc. · SWIFT
IntoUSD collections account
ReferenceINV-2048
Incoming transfer fee (0.2%, minimum €10)$96.00
Credited to your account+$47,904.00

Illustrative workflow with sample companies and rates. Fees are the lowest published business prices.

Bulk payouts

Upload a CSV, check the batch, then submit. Try it with your own file: it stays in your browser.

BatchOctober contractor run
Awaiting approval
A. KowalskaContractor · PL
SEPA€2,400
Brightpath MediaAffiliate · UK
SWIFT£1,850
D. OkaforContractor · NG
Stablecoin1,200 USDC
Lumen StudioPartner · ES
SEPA€5,600
R. MehtaContractor · IN
SWIFT$3,100
Payees: 5 · currencies: 4

Demo only. Files stay in your browser and nothing is sent.

Payment rails

Local rails in Europe, the UK, the US and many more countries, SWIFT for everywhere else, and stablecoin networks for digital assets.

RailRegionCurrencyTypical use
SEPAEuropeEURSupplier payments, payroll, client receipts
SWIFTInternationalUSD and othersCross-border receipts and payments
SEPA InstantEuropeEURTime-sensitive euro payments
Faster Payments / CHAPSUnited KingdomGBPDomestic UK payments
ACH / domestic wireUnited StatesUSDDomestic US payments
Stablecoin networksDigital assetsUSDC, USDTCrypto receipts, payouts and settlement

Solution

International Trade & Settlement

See how accounts, payments, conversion and stablecoin settlement fit together for importers, exporters and distributors.

Explore International Trade & Settlement

Who uses it

01

Trade businesses

Collect from buyers in one currency and pay suppliers in another, with references kept for each invoice.

02

Affiliate networks

Pay hundreds of partners across countries from one monthly payout file.

03

Creator agencies

Pay creators and production teams from an allocation file you prepare.

Pricing

Incoming SEPA
Free
Outgoing SEPA up to €5,000
€1
Incoming non-SEPA and SWIFT
Business 0.2%, minimum €10 · personal 0.1%, minimum €10
Outgoing non-SEPA and SWIFT (shared charges)
Business 0.2%, minimum €25 · personal 0.1%, minimum €45
Transfer in another currency
Business 2% plus 0.2%, minimum €25 · personal 2% of the amount

The lowest business and personal prices. Yours depend on where you're based and, for a business, what it does.

Find your prices

Questions

Which payment rails can I use?

SEPA and SEPA Instant for euros, Faster Payments and CHAPS for sterling, ACH and domestic wires for US dollars, SWIFT for international transfers, and stablecoin networks for digital assets. Local rails are also available in many more countries. Tell us which countries you need and we'll confirm availability.

Are incoming transfers charged?

Incoming SEPA payments are free on the lowest business and personal prices. Incoming SWIFT payments cost a percentage with a minimum. Your prices depend on where you're based and, for a business, what it does; the pricing page shows them.

What does the bulk payout file need?

One row per payee with name, description, amount, currency and rail. You can download a template from the bulk payout demo on this page.

How long do payments take?

Timing depends on the rail and the receiving bank. Each payment shows the rail it uses before you confirm.

Discuss your payment flows.

Tell us how money moves through your business and we'll reply by email to arrange a call.

Chat on Telegram

Valtora coordinates your business review and onboarding.

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We use these details only to respond to your enquiry. Availability depends on business activity, jurisdiction and eligibility review.