Rewarding intelligent paymentsChange volume or corridor. Rows reprice. Not a quote.
US dollar · used mostly in the United StatesUSD| CompanyProvider name. Click to open their site when a public URL is available. | DifferentiatorWhat this provider is known for on foreign supplier AP, versus Aureon. | FX / sendTypical FX or send fee for this corridor. Bands are modeled, not a live quote. | PlatformMonthly software or plan cost used in the annual estimate. | Time to payTypical time until the supplier’s bank credits the funds after you send, not including your own funding or onboarding. Local rails are faster than SWIFT. | AI timingWhether the provider times sends for a better FX rate. Aureon includes it on paid plans (not Trial). Savings are modeled at 0.30% of annual send volume on USD/GBP/EUR exchanges, $0 when send and receive are the same currency. Subtracted from send cost like yield. | Yield on payout accountUnused cash in the account you pay from can earn yield, shown as a negative against send cost. Follows the payout-account balance in the calculator. A separate money-market or cash product does not count. | ERP IntegrationWhether payouts can post back to accounting software such as NetSuite, QuickBooks, or Xero. | Supplier software requiredWhether the supplier must sign up for a portal, app, or vendor enrollment to get paid. Yes means they must join extra software. No means you pay their bank account directly. | Them / yrEstimated annual FX plus platform cost for the calculator corridor and volume. Payout-account yield and AI timing are $0 for these providers. | Aureon / yrAureon send cost is the calculator tier fee plus plan. Payout yield is subtracted. AI send timing is subtracted on paid plans for FX corridors (0.30% of volume), not on Trial. |
|---|---|---|---|---|---|---|---|---|---|---|
| Typical commercial bank wire | Wire fee plus FX markup, often not itemized. | 3.5%–5.0% all-in | Bundled | 2–5 business days | No | No | No | No | $42k–$60kFX + platform: $42,000–$60,000 Payout yield: $0 AI timing: $0 Total: $42,000–$60,000 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| Tipalti | Portal onboarding. Per-payment fees sit on top of FX. | About 1.5%–3.5% FX | From $99 / mo | 1–3 business days | No | No | Yes | Yes | $19.2k–$43.2kFX + platform: $19,188–$43,188 Payout yield: $0 AI timing: $0 Total: $19,188–$43,188 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| Corpay | Enterprise AP. Heavy implementation; vendors often enroll for cards. | Contract FX | Quote-based | 1–2 business days | No | No | Yes | Yes | $18k–$42kFX + platform: $18,000–$42,000 Payout yield: $0 AI timing: $0 Total: $18,000–$42,000 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| BILL | Strong on US bills. Cash yield is a separate product, not the payout account. | Local-currency or $19.99 wire | $49–$89 / user / mo | 1–3 business days | No | No | Yes | Yes | $18.6k–$43.1kFX + platform: $18,588–$43,068 Payout yield: $0 AI timing: $0 Total: $18,588–$43,068 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| Airwallex | SWIFT often $15–$35. Yield is a separate money-market, not the payout account. | 0.5% majors, 1.0% other | Free–$399 / mo | Hours–1 day local; 1–5 days SWIFT | No | No | Yes | No | $6,000–$14.4kFX + platform: $6,000–$14,388 Payout yield: $0 AI timing: $0 Total: $6,000–$14,388 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| PingPong Payments | China and SEA supplier network. In-network can be $0; others are billed all-in. Recipients often enroll. | Under 1% all-in (0% in-network) | Quote / volume | Same day–1 day | No | No | No | Yes | $6,000–$12kFX + platform: $6,000–$12,000 Payout yield: $0 AI timing: $0 Total: $6,000–$12,000 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| Moolahgo | Singapore MPI. Strong on Asia corridors. Rates are quote-based, not a published AP fee card. | Wholesale / quote | $0 listed; custom | Same day–2 days | No | No | No | No | $4,800–$14.4kFX + platform: $4,800–$14,400 Payout yield: $0 AI timing: $0 Total: $4,800–$14,400 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| Revolut | Business wallet, not an AP suite. Monthly FX allowance then 0.6%. SWIFT can add bank fees. | Interbank in allowance, then 0.6% (+1% off-hours) | From about $10 / mo | Hours–2 days local; 1–3 days SWIFT | No | No | No | No | $7,320–$20.3kFX + platform: $7,320–$20,280 Payout yield: $0 AI timing: $0 Total: $7,320–$20,280 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| Yuubizz | SME multi-currency account and cards. Overseas transfer fees are not fully published. Xero for books. | 0% card FX; remittance quote | $0 / mo | Hours–1 day local; 1–2 days overseas | No | No | Yes | No | $3,600–$12kFX + platform: $3,600–$12,000 Payout yield: $0 AI timing: $0 Total: $3,600–$12,000 / yr | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
| Aureon Capital | Yield on the payout account. AI send timing on paid plans for FX corridors. | 1.00%–1.50% disclosed | Free under $2k / mo | Under 30 minutes | Yes($3,600) | Yes($1,350) | Yes | No | — | $11.8kSend + plan: $16,788 Payout yield: ($1,350) AI timing: ($3,600) Total: $11,838 / yr |
Modeled bands, not a quote.
Corpay and BILL FX use typical mid-market roundup bands. PingPong, Moolahgo, Revolut, and Yuubizz use published or typical quote bands. Implementation, per-payment extras, and SWIFT fees are excluded. Same-currency sends use the same tier send fee as FX corridors. Yield follows the payout-account balance above. AI timing is 0.30% of annual send volume on FX corridors for paid plans, $0 on Trial and when send and receive are the same currency. Time to pay is typical settlement to the supplier’s bank after send, not including your funding or onboarding. Not a quote.