How much can I save on FX by switching from my bank?

It depends on your corridors, your monthly volume, and what your bank is charging you now. Most operators haven't measured it directly, because the margin is inside the quoted rate. Our approved commitment during pilot: We'll beat your current FX cost. Send us a recent wire confirmation and we'll show you the delta before you move.

How long does it take to send money internationally?

International vendor payments through Quotable Payments are faster than a bank wire on most corridors. Exact timing depends on the receivables method, the destination currency, and any compliance review on the recipient side. Wire is available across all 35 currencies, ACH across 21, and Instant across 10. Match the method to the urgency of the payment.

Do I need to switch banks?

No. Quotable Payments sits alongside your bank, not in place of it. You fund payments from your existing account and route them through us for the cross-border leg. Your primary banking relationship stays where it is.

Is Quotable International Vendor Payments generally available?

Not yet. Cross-border payments are in pilot/beta and launching now. We're accepting applications from businesses that regularly send money internationally. Payment acceptance is live in a more limited form.

What accounting integrations do you support?

Xero is our near-ready integration. Additional ERP and accounting connections, including SAP, Oracle, NetSuite, Microsoft, and QuickBooks, are being built and aren't live yet. Reconciliation inside Quotable happens automatically when a payment ties to a quote or invoice on the platform.

Can I pay service-based suppliers too?

Yes. A marketing agency in Brazil, a fulfillment partner in Singapore, a design firm in Poland: any B2B vendor invoice is in scope. You don't need an originating quote or PO to send a payment.

International vendor payments

Make International Vendor Payments Without Losing Money to Your Bank

Send international vendor payments in 140+ currencies across 200+ countries. The FX pricing is built for small and mid-market businesses. Paying a factory in China, a component supplier in Vietnam, or a service vendor in Brazil, you get transparent FX rates, faster settlement than a bank wire, and automatic reconciliation to the invoice or PO the payment belongs to.

Quotable Payments is in pilot/beta. Cross-border payments are launching now and accepting applications. If you're currently wiring through your bank, we'll beat your current FX cost.

Two ways to use Quotable Payments
Use Quotable Payments as a standalone app for international vendor payments, or use Quotable AI OS to manage the wider quote-to-payment workflow.

Request Payments Access

Book a Quotable AI Demo

Trusted by Businesses That Make International Payments

The FX Margin Your Bank Isn't Showing You

The FX margin is the difference between the mid-market rate and the rate your bank actually quotes. On a $50,000 wire, that margin typically costs more than the wire fee. It repeats on every payment, baked into the quoted rate, and most operators never measure it because the number stays invisible.

Here's what a typical bank-wire vendor payment actually costs you:

A hidden FX margin on top of the mid-market rate, applied to every conversion.
A wire fee from your bank, usually a flat charge per payment.
Intermediary bank fees, deducted mid-transit, so your supplier receives less than you sent.
Two to five business days in flight, which strains vendor relationships and delays receipts of goods.
Manual reconciliation at the end of the month, matching bank statements to invoices and POs by hand.

If your annual cross-border payment volume is material, the FX margin is usually the biggest number on that list. It grows silently with your sourcing volume.

How Quotable Payments Works for International Vendor Payments

Quotable Payments gives you a single place to pay overseas suppliers, hold multi-currency balances in 35+ currencies, and reconcile payments to the quote, invoice, or PO they belong to. Use it standalone or connect it to your quoting and procurement workflow. Pay in 140+ currencies across 200+ countries.

Pay suppliers in 140+ currencies across 200+ countries. Cover your existing supplier base and any new sourcing geography you expand into next.
Manage balances across 35+ currencies. Time your FX conversions instead of converting on every transaction. Useful if you invoice foreign customers and pay foreign suppliers in the same currency.
Choose the receivables method that fits the payment. Wire is available across all 35 currencies, ACH across 21, and Instant across 10. Pick speed or cost per payment.
Automatic reconciliation. Quotable matches payments to the originating quote, invoice, or order automatically when one exists. Your finance team isn't reconciling line by line at month-end.
Human support from operators who understand cross-border tradecross-border trade. Work with a real person, not a scripted call centre or a chatbot.

Built for the Businesses Moving Goods Across Borders

Quotable Payments is built for operators running cross-border trade: multinational corporations, importers, exporters, manufacturers, ecommerce brands, distributors, and freight forwarders. If you regularly send money internationally, your bank wasn't built for this workflow. Quotable AI was. Same account, same pricing, same corridor coverage whether you're a founder or a finance lead. Whether you're a founder signing off on wires personally or a finance lead who just finished an FX audit that surfaced a number nobody expected, you get the same account, the same pricing, and the same corridor coverage.

What Changes When You Stop Wiring Through Your Bank

You get FX pricing you can see, faster settlement on most corridors, fewer stacked fees, and reconciliation that runs automatically when a payment ties to a quote or invoice. You also get one account for both sides: pay international suppliers andreceive foreign-currency payments in the same place.

01

FX Pricing You Can See

We show you the rate we can offer you. No hidden spread or fees. Found cheaper? Contact us for negotiated rates based on volume.

02

Faster Settlement

Faster than a traditional international wire on most corridors

Direct supplier payment route illustrating faster international settlement

Diagram showing value reduced across several intermediary banks compared with a clearer direct payment route

03

Fewer Stacked Fees

No intermediary bank taking a cut mid-transit.

04

One Account For Both Sides of Your Cross-Border Flow

Send money internationally and receive foreign-currency payments from customers in the same place.

Multiple invoices and currencies reconciled through one international payments account

05

Human support from operators who understand cross-border trade

Not a chatbot, not a call center reading from a script.

Apply for Early Access to International Vendor Payments

STEP 1

Apply

Tell us your payment corridors, expected monthly volume, and current provider.

STEP 2

We Review and Quote

We look at what you're paying today and confirm we can beat it on FX before you commit to anything.

STEP 3

Onboard Directly

Self-serve setup with a founder-led walkthrough. Most customers send their first payment within 2-5 business days of applying, depending on compliance review.

STEP 4

Complete Managed Onboarding & Start Sending Payments

Eligible businesses complete compliance review with support from the Quotable Payments team and can start sending payments upon completion.

Pricing

It's free to send international payments using Quotable. We also offer seller and buyer procurement plans with a free entry point, for companies needing more than payments. Paid tiers start at $49/month for sellers and $25/month for buyers. Annual billing saves $25% across all tiers. For a specific FX quote against what you're paying today, talk to the team. See our pricing page for more information or contact us here.

What Our Customers Are Saying

Don't just take our word for it. Hear from those who have transformed their business with us.

We used to juggle 3,000 suppliers on spreadsheets. It caused errors, delays, and constant follow-ups. Switching to Quotable AI transformed our workflow overnight, everything is structured, fast, and automated. We now grow 25% on average every month without increasing overhead.

Sam B.

Chief Operating Officer

For us, the biggest value of Quotable's dual-stack platform was being able to scale to $1M ARR in under a year with just 1.5 FTEs in operations.

Pierre G.

Co-Founder & Managing Director

Our procurement used to be slow and fully manual. Vendor delays held projects back. Quotable AI centralized everything into one system and cut supplier response time by 60%.

Eumir S.

CEO

International Vendor Payments FAQs

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Stop Paying Your Bank's FX Margin on Every Vendor Payment

Apply for access to Quotable Payments. We'll look at what you're paying today, quote you on your actual corridors, and beat your current FX cost before you commit to anything.

Request Payments Access

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