Up to 10× cheaper than your bank.
Global Payments

Pay any supplier, anywhere.
Track every dollar, end to end.

Send to 170+ countries via local payment rails — same-day where available. Every payment tracked from initiation to confirmed receipt, with no surprises on fees.

  • 170+ countries, 70+ currencies — one send flow
  • Local rails first: SEPA, ACH, FPS, NPP and more for same-day delivery
  • Fixed, visible pricing — no FX markups buried in the rate
170+
Destination countries
70+
Currencies supported
12
Local payment rails
0
Hidden fees
Local payment rails

Send like a local, anywhere in the world

Skip the SWIFT tax. Capra routes your payment through the domestic network in the destination country — so it arrives faster and costs less for everyone.

EUR flag
Instant / 1 day
SEPA
Eurozone
USD flag
Same day
ACH
United States
GBP flag
Instant
FPS
United Kingdom
AUD flag
Instant
NPP
Australia
SGD flag
Instant
FAST
Singapore
CAD flag
Minutes
Interac
Canada
🌐1–2 days
SWIFT
170+ countries
SGD flag
Instant
PayNow
Singapore
GBP flag
Same day
CHAPS
United Kingdom
USD flag
Same day
Fedwire
United States
GBP flag
3 days
BACS
United Kingdom
EUR flag
Same day
TARGET2
Eurozone
FX pricing

Transparent rates. No hidden markups.

One simple FX spread — no transfer fees, no correspondent charges. The rate improves automatically as your order size grows. All major currencies included.

ONE OF THE CHEAPEST RATES GOING

Up to $10k

0.45%FX spread
  • Product samples & trial orders
  • Weekly currency conversions between accounts
  • Small supplier top-ups
  • No minimum order size
GREAT FOR INVENTORY

$10k – $50k

0.35%FX spread
  • Inventory top-ups before peak season
  • Restock fast-moving SKUs without FX drag
  • Multi-supplier payment runs
  • Automatic rate — no approval needed
BEST STANDARD RATE

$50k+

0.30%FX spread
  • Large purchase orders & bulk supplier runs
  • Pre-season inventory build
  • Move serious capital at minimal cost
  • Full audit trail on every transfer

Finance customers get 0.25% FX — our best-ever rate

Use Capra Finance and your FX Fee drops to 0.25% on all supplier payments — to the value of the amount borrowed

How it works

From creation to confirmation in minutes

No back-and-forth, no mystery fees. Every payment is routed, approved, and tracked automatically.

01
Create a payment

Enter the supplier name, amount, and currency. Upload an invoice or reference number for full audit trail.

02
Choose your rail
03
Approve & dispatch
04
Track to delivery
Payment details
RecipientShanghai Exports Co.
CurrencyCNY — Chinese Yuan
AmountUSD 24,800.00
ReferenceINV-2025-0441
Invoiceinvoice_441.pdf ✓

Built for e-commerce treasury teams

From single invoices to high-volume supplier runs — Capra gives your finance team the controls they need to move fast without losing visibility.

Payment approval roles

Define who can create, approve, and release payments. Dual-authorisation and spending limits keep your treasury secure while your team moves fast.

  • Multi-level approval workflows
  • Spending limits per user role
  • MFA on every release
  • Full audit log of approvals
  • Read-only view for finance

Bulk payment uploads

Pay dozens of suppliers at once. Upload a CSV or use the API to submit a batch — each payment is routed independently via the optimal rail.

  • CSV template for any currency
  • API bulk endpoint
  • Per-row currency selection
  • Validation before submission
  • Batch status dashboard

End-to-end tracking

Every payment gets a unique tracking ID. Follow it from initiation through correspondent banking to confirmed credit at your supplier's account.

  • Real-time status updates
  • Supplier delivery confirmation
  • SWIFT GPI tracking
  • Webhook push notifications
  • Exportable payment history

Compliance built-in

Sanctions screening, AML checks, and beneficiary verification happen automatically on every payment — no manual intervention required.

  • OFAC & EU sanctions screening
  • Automated AML checks
  • Beneficiary bank verification
  • PEP screening on new payees
  • Regulatory reporting exports
create-payment.ts
// Create an international payment
const payment = await capra.payments.create({
recipient: 'Shanghai Exports Co.',
amount: 24800,
currency: 'USD',
rail: 'auto',
reference: 'INV-2025-0441',
});
// → payment.id: 'pay_3fX9Kz2...' · status: 'pending_approval'
Integrations

Plugs into your existing stack

Every payment — including the FX rate used — flows straight into your ERP. No manual exports, no reconciliation headaches.

Xero
Auto-post payments and FX conversions to the correct account codes
QuickBooks
Real-time sync of payments, balances, and supplier records
NetSuite
Full ERP integration via REST — for complex multi-entity setups
REST API
Trigger payments, check statuses, and receive webhooks from your own systems

Regulated & licensed

Operating under financial services licences in UK, EU, AU and SG. Full regulatory oversight wherever you transact.

Bank-grade security

256-bit AES encryption, SOC 2 Type II certified infrastructure, MFA on all accounts and payment actions.

Sanctions screening

Every payment is screened against OFAC, EU, and UN sanctions lists in real time — before funds are released.

Segregated funds

Your money is held separately from Capra's own funds at Tier-1 banking partners — fully protected at all times.

Start sending globally
today

No setup fees. No monthly charges. Pay suppliers in 170+ countries at mid-market rates — starting now.