Payments
Cross-border payments through local rails, SWIFT, and stablecoin-funded settlement
Routefusion gives payroll, marketplace, fintech, and treasury teams one API for sending funds across local rails, SWIFT, and stablecoin-funded settlement. Route by corridor, currency, amount, recipient requirements, and operating need while keeping onboarding, transaction monitoring, ledger visibility, and exception handling in one workflow.
Cross-border payments built for real operating constraints
The hard part is not sending one payment. It is choosing the right rail, collecting the right recipient data, managing compliance review, tracking exceptions, and reconciling every movement at scale.
Route by corridor and requirement
Use local rails where they improve cost or delivery speed, SWIFT where the corridor or receiving bank requires it, and stablecoin-funded settlement when treasury needs 24/7 funding flexibility.
Keep compliance in the payment flow
Support KYB/KYC workflows, sanctions screening, transaction monitoring, and purpose-of-payment context without bolting a separate compliance process onto every corridor.
Give operations one place to work
Track payment status, beneficiary requirements, rail selection, ledger entries, and exceptions through one operating model instead of reconciling across disconnected providers.
Build a payments product, not a vendor graph
Most platforms start with one urgent corridor, then slowly accumulate banks, payout vendors, FX tools, compliance checks, support processes, and reconciliation spreadsheets. Routefusion lets your team integrate once, then add corridors and rail options through the same payments infrastructure as volume and geography expand.
Design corridors before volume breaks operations
Cross-border payment quality depends on details that generic APIs flatten: local beneficiary fields, bank account formats, purpose codes, settlement windows, return behavior, and whether local rails or SWIFT make more sense for the amount and recipient. Routefusion helps map those decisions before they become support tickets.
Protect margins when currency and timing matter
For platforms that quote customers, pay global suppliers, or manage payroll exposure, FX volatility can erase margin between payment initiation and settlement. Routefusion supports cross-border payment workflows alongside FX risk tools, including forward and options-based hedging programs shaped around your operating model.
What your payment stack needs to handle
- Create and manage beneficiaries with corridor-specific payment details
- Send cross-border payouts through local rails, SWIFT, and stablecoin-funded settlement paths
- Collect purpose-of-payment, recipient, and compliance context before funds move
- Track payment state, rail choice, delivery timing, and exception details
- Reconcile balances and ledger activity across currencies from a single source
- Work with Routefusion on corridor rollout, payment testing, support handoff, and treasury controls
1const payment = await routefusion.payments.create({2sourceCurrency: 'USD',3destinationCurrency: 'MXN',4amount: '25000.00',5beneficiaryId: 'bnf_123',6railPreference: 'local_first',7purpose: 'vendor_payment',8idempotencyKey: 'payout_2026_05_04_001'9});1011console.log(payment.status, payment.rail, payment.ledgerEntryId);
Why platforms use Routefusion instead of wiring providers together
Frequently Asked Questions
Check cross-border coverage by country and currency
Review local payment and wire availability across the network. Final routing depends on corridor, currency, beneficiary bank, amount, and compliance review.
| Region | Country | Local Payments | Wires | Currency |
|---|---|---|---|---|
| Asia Pacific | 🇦🇫Afghanistan | AFN | ||
| Europe | 🇦🇱Albania | ALL | ||
| Middle East & Africa | 🇩🇿Algeria | DZD | ||
| Europe | 🇦🇩Andorra | EUR | ||
| Middle East & Africa | 🇦🇴Angola | AOA | ||
| Latin America | 🇦🇷Argentina | ARS | ||
| Asia Pacific | 🇦🇲Armenia | AMD | ||
| Asia Pacific | 🇦🇺Australia | AUD | ||
| Europe | 🇦🇹Austria | EUR | ||
| Asia Pacific | 🇦🇿Azerbaijan | AZN | ||
| Latin America | 🇧🇸Bahamas | BSD | ||
| Middle East & Africa | 🇧🇭Bahrain | BHD | ||
| Asia Pacific | 🇧🇩Bangladesh | BDT | ||
| Latin America | 🇧🇧Barbados | BBD | ||
| Europe | 🇧🇾Belarus | BYN | ||
| Europe | 🇧🇪Belgium | EUR | ||
| Latin America | 🇧🇿Belize | BZD | ||
| Middle East & Africa | 🇧🇯Benin | XOF | ||
| Asia Pacific | 🇧🇹Bhutan | BTN | ||
| Latin America | 🇧🇴Bolivia | BOB |