B2B International Payments

Move money globally as if it were local.

Direct access to local banking rails (SEPA, ACH, SPEI, PIX) with real-time currency conversion and settlement in under 2.5 seconds. No intermediaries.

< 2.5s Settlement
180+ Countries
0.10% Base fee
calculate View simulator
SEPA InstantACH / WireSPEIPIX
Simulator

Know the exact cost before sending

Total transparency. Our simulator replicates the logic of the QUERY /conversions endpoint in real-time.

check_circle Fee: 10.35 EUR (BaseFee €0.35 + 0.10%)
currency_exchange Exchange rate
1 EUR = 1.0789 USDC
10.777,83
Estimated settlement in under 2.5 seconds

Total transparency in every movement

Bridflow explicitly breaks down every cost component before you execute the movement. No hidden fees.

  • Fixed BaseFee

    Fixed fee of €0.35 per transaction regardless of volume, to cover access costs to local rails.

  • Variable PercentageFee

    Only 0.10% on the transferred capital. The most competitive model in the market for B2B volumes.

  • Mid-market rate conversion

    The applied exchange rate is the real-time interbank market rate. No hidden spread.

Global Coverage

Local rails. Global reach.

We connect your business with the native payment systems of each market, removing the friction from international payments.

Europe

EUR

SEPA
SEPA Instant Active
  • Instant settlement
  • European IBAN
  • Up to €100,000/tx

United States

USD

ACH
ACH / Fedwire Active
  • Same-day ACH
  • Wire transfer
  • Local routing number

Mexico

MXN

SPEI
SPEI Active
  • 24/7 settlement
  • Bank CLABE
  • Up to 5M MXN/tx

Brazil

BRL

PIX
PIX Active
  • Instant 24/7
  • Native PIX key
  • No time limits

United Kingdom

GBP

FPS
Faster Payments Active
  • Faster Payments
  • Sort code / Account
  • Up to £250,000/tx

More corridors

...

Q3 2025
Expanding Coming soon
  • Colombia (PSE)
  • India (UPI)
  • Australia (NPP)

Need a specific corridor? Let's talk →

Use Cases

Bridflow adapts to your business model

Pay global sellers in their local currency

Marketplaces with international sellers lose up to 3% margin in opaque conversions and settlement delays. Bridflow centralizes all outbound payments through a single endpoint, with local rails in SEPA, ACH, SPEI and PIX.

  • Mass payouts: pay hundreds of sellers in a single API call.
  • Transparent FX: mid-market exchange rate with no hidden spread.
  • Automatic reconciliation dashboard by currency and region.
-78%

reduction in settlement cost

with Bridflow Cross-Border

Institutional Security

Regulated infrastructure. Certified trust.

Bridflow operates under the highest security and international compliance standards, so your business can grow without regulatory risks.

SOC 2 Type II

Annual independent audit of operational security controls.

ISO 27001

Certified Information Security Management System.

PSD2 & MiCA

Compliance with European payment and crypto services regulation.

AML / KYC

Anti-money laundering engine with real-time screening.

GDPR

European data sovereignty. No unaudited sub-processors outside the EEA.

Segregation of funds

Client funds are kept segregated from operational assets at all times.

Institutional-grade fraud prevention

Our compliance engine analyzes every transaction in milliseconds against more than 60 external data sources, blocking suspicious activity before it affects your business.

  • OFAC / EU sanctions screening lists
  • Automatic PEP detection
  • 24/7 transaction monitoring
  • Integrated SAR reporting

99.99%

guaranteed uptime SLA

< 50 ms

AML screening

24/7

active monitoring

Frequently Asked Questions

Everything you need to know about international payments with Bridflow.

A cross-border corridor connects two different national payment systems. Bridflow accesses each market's local rails (SEPA, ACH, SPEI, PIX) directly, eliminating intermediary correspondent banks that add days of delay and additional 2-5% costs.

The cost is completely transparent: a fixed BaseFee of €0.35 per transaction plus 0.10% on the transferred capital. The exchange rate applied is the mid-market rate with no additional spread. You know the exact cost before executing the movement.

For corridors with SEPA Instant, SPEI and PIX settlement is completed in less than 2.5 seconds. For ACH (USA) the time depends on local banking hours, with Same-Day ACH options available. Statuses are notified via real-time webhook.

The GET /conversions API endpoint calculates in real time the exchange rate, the fee and the amount the recipient will get. There is no need to pre-fund in all currencies: Bridflow manages the conversion with its own liquidity pool.

Yes. Bridflow is a technology and integration layer: it does not provide regulatory licenses nor does it act as a regulated entity. To operate you need to do so under your own licenses or through regulated partners (bank/EMI/PSP) depending on the jurisdiction. We give you the technical infrastructure (API, webhooks, tools) to connect and implement the product.

Yes. We have volume plans with reduced BaseFee starting from €500,000/month transferred. For volumes over €5M/month contact sales to negotiate a customized rate with priority rails unlocked.

Bridflow applies automatic retries with exponential backoff logic. In case of definitive rejection, funds return to the origin account in less than 24h with a detailed event webhook that includes the rejection reason (official bank code).

Ready to operate globally?

Start moving money borderless today.

Access your free sandbox in minutes or speak with our sales team for a custom plan.