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International payments service for companies

Pay suppliers, contractors and employees in any country, without losing along the way

Send EUR, USD, MXN, BRL, GBP or USDC from a single business balance. Your recipient receives the full amount. No SWIFT, no intermediary banks taking their cut, no hidden spread.

Talk to an advisor See how the payment flow works

Cost visible before confirming · Arrival in seconds for SEPA, SPEI, PIX · No SWIFT

Payment to supplier

🇺🇸 USA · ACH

Preview
You send from your balance
10.145,00 USDC
Exchange rate
1:1 · no margin
Kunga fee
145,00 USDC
The supplier receives
10 000,00 USD

The journey of an international payment with Kunga, step by step

So you see exactly what happens from the moment you decide to pay someone until your recipient has the money available.

Step 1 · 1/5

You choose the payment destination and currency

You select your recipient: supplier, contractor, employee, agency or external wallet. You indicate the currency you want them to receive: EUR, USD, MXN, BRL, GBP or USDC on any supported network. You enter the amount.

Dropdown of saved accounts (recurring suppliers) or a form for a new counterparty. Recipient details (local bank account or wallet) according to the chosen currency.

Large payments (typically >€50,000/operation) may trigger additional AML validations (a regulated standard on any platform). In those cases, your advisor accompanies you directly to resolve it without paralyzing the rest of your operation.

Three things that change when you pay internationally with Kunga

Your recipient receives what you send. No bites from intermediary banks.

A traditional SWIFT transfer passes through 2-3 banks before reaching the final recipient. Each deducts its fee (15-40 USD usual) without prior notice. Result: you send 5,000 USD to your supplier in India, your supplier receives 4,880 USD. You have to send another 120 USD to cover the shortfall, or your supplier takes the loss. With Kunga, the payment goes via the destination country's local rail or via blockchain if it's USDC. No chain of intermediary banks. Your recipient receives the full amount you confirmed.

In detail

Over 100 international operations per year (typical for a company with a global supplier stack), accumulated SWIFT fees can be €5,000-15,000 per year disappearing into banks you don't even know. That's margin recovered directly.

Cost visible before confirming. No hidden spread on the outgoing conversion.

When you order an international transfer at your corporate bank, they tell you "€25 fee". What they don't tell you is that the EUR→USD conversion is done at the rate they choose, with a 1.5-3 % spread. On a 50,000 USD payment, that's €750-1,500 of hidden cost on top of the €25 visible fee. With Kunga, before confirming you see: the exact rate at the moment, Kunga's exact fee, the total cost, and the full amount that will reach your recipient.

One platform for suppliers, contractors, SaaS stack and crypto wallets

The typical international company operation has: payments to suppliers in USD/CNY/EUR + payments to contractors in their local currency + payments to the SaaS stack (AWS, Stripe, Twilio) in USD + some payments to crypto-native contractors in USDC. Today that's 3-5 different tools: bank for EUR, Wise for some, exchange for USDC, corporate card for stack. With Kunga, all those payments leave a single USDC balance, with unified reporting.

What the payments service covers and what it doesn't

What the payments service covers

  • Outgoing B2B payments via local bank transfer in each market: SEPA, ACH, SPEI, PIX, FPS.
  • Payments in USDC or USDT to external wallets on Ethereum, Polygon, Solana or Tron.
  • Payments to contractors, freelancers, suppliers and partners in any supported currency.
  • Payments to the international SaaS-to-SaaS stack (AWS, Stripe, Twilio, USD tools) when the provider accepts bank transfer.
  • Bulk payments prepared to process at month-end (list of recurring contractors or suppliers).
  • 1:1 conversion from USDC to the payment currency with no added spread, and complete traceability of each payment for your accounting.

What it does NOT cover

  • Credit card collection processing at your checkout. To collect from your B2C clients with cards, you still need Stripe, Adyen, PayPal Business or another gateway. Kunga is the outgoing payments side, not card collections.
  • Corporate card for company expenses (on the roadmap, not available today). For daily card expenses your current solution is still needed.
  • Full payroll with employment contract management, local tax withholdings and filings by jurisdiction. For full-time employees you still need Deel, Remote, Gusto or another PEO/EOR. Kunga complements by covering payments to contractors outside Deel/Remote's scope.
  • Check issuance or check payments in the US, and SEPA Direct Debit (we don't operate direct-debit payments initiated by the collector).

Kunga is the outgoing B2B international payments layer: suppliers, contractors, SaaS stack, contractor payroll. Your checkout, your full-time employee PEO and your corporate card remain separate tools. Need the other side, collecting? International collections · Wallet USDC

Every payment, traceable, declarable and verified

B2B international payments have specific regulatory obligations by jurisdiction and volume: foreign payment declarations (Form 720 in Spain and equivalents), AML/CTF compliance, verification of international sanctions lists, tax withholdings under bilateral treaties. Kunga applies the standard controls of a regulated European platform:

Complete traceability per outgoing payment

Every operation logged with timestamp, counterparty (identified recipient), source currency USDC, target currency, FX rate applied at the moment, fee charged, amount sent and amount received by the recipient, blockchain hash if applicable. Exportable as CSV for your accountant, auditor or ERP software.

Sanctions verification before every payment

Monitoring against OFAC, EU, UN and FATF lists. If a counterparty appears on a list, the payment is blocked with a clear notification. This protects your company from inadvertently operating with sanctioned parties.

AML/CTF compliance and pattern monitoring

Payment monitoring to detect unusual patterns (atypical amounts, unusual frequency, high-risk jurisdictions). Reporting to competent authorities per European regulation.

Documentation for your annual tax reporting

The detail of foreign payments needed for declarations like Form 720 (Spain) or equivalents in other jurisdictions is available exportable. Your tax advisor receives what they need without rebuilding from scattered bank transfers. USDC/USDT payments operate under the European MiCA framework.

If your company operates with specific jurisdictions (Russia, Iran, others with restrictive regulation), pre-validation with an advisor before starting KYB. We don't operate with internationally sanctioned jurisdictions.

See the full compliance approach

How much it costs to pay with Kunga

Payment type Cost
Payment to European IBAN (SEPA Instant) 1.45% with Kunga wallet
Payment to US ACH 1.45% with Kunga wallet
Payment to Mexican CLABE (SPEI) 1.45% with Kunga wallet
Payment to Brazilian account (PIX) 1.45% with Kunga wallet
Payment to British account (Faster Payments) 1.45% with Kunga wallet
Payment to external USDC/USDT wallet Only the chosen network's gas
1:1 conversion from USDC to payment currency No added spread
Monthly account maintenance €0

Typical operation compared

European company with international supplier and contractor payments. With a corporate bank + Wise Business, financial costs can stack across fees, FX spread and intermediaries. With Kunga using Kunga wallet: 1.45% on aggregate volume, with no hidden FX spread.

For companies with recurring payment volume over €1M/month, an OTC desk with negotiated FX rates and tiered fee conditions. Some large payments (>€50K/operation) may require additional validations — your advisor guides you.

See full pricing

Frequently asked questions about payment processing

Does my recipient need to be registered with Kunga to receive the payment?

No. Your recipient (supplier, contractor, employee) receives the money in their usual bank or external wallet. You just need to give us the payout details they provide: IBAN if in Europe, ACH routing if in the US, CLABE if in Mexico, PIX account if in Brazil, GBP account if in the UK, or wallet address if they collect in USDC/USDT. They don't need to install anything, don't need to do KYC at Kunga.

How long until my recipient receives the money?

It depends on the destination country's rail: SEPA Instant (EUR) in seconds; SPEI (MXN) in seconds, 24/7; PIX (BRL) in seconds, 24/7; Faster Payments (GBP) in minutes; standard ACH (USD) in 1-3 business days; USDC on any network in 1-5 minutes. For payments outside operating hours or on holidays in the destination country, the "instant" rails (SEPA Instant, SPEI, PIX) still work 24/7. ACH follows standard US operating windows.

Can I schedule recurring or bulk payments to process at month-end?

Yes. You can prepare a list of payments to process in a group (typical in monthly closes for contractors or payroll). Each payment is validated individually before processing. For companies with high volumes of recurring payments, specific conditions with your advisor.

Can I pay in USDC to a supplier who has a self-custody wallet?

Yes. If your supplier has a wallet on Ethereum, Polygon, Solana or Tron, you send them native USDC on the network they prefer. It arrives in their wallet in minutes. You only pay the network's gas.

What if I enter the recipient's details incorrectly?

Before confirming the payment, you see a preview with all the details: counterparty, destination account, currency, amount, total cost. Confirmation requires 2FA. If the destination account doesn't exist, the payment returns to your balance (may take 1-3 days depending on the corridor). If the destination account exists but is wrong (someone else's account), we can't reverse it — always verify before confirming, especially for large payments.

Is the payments service available for my company depending on jurisdiction?

Availability subject to the company's country of incorporation, the residence of beneficial owners and the jurisdiction of recipients. We don't operate payments to internationally sanctioned jurisdictions. Some specific corridors may require additional validation depending on origin and destination jurisdiction. Check at /cobertura before starting the conversation with an advisor.

Pay your team, suppliers and stack from a single platform

Talk to an advisor to map how the payments service would fit your current operations, with no commitment.

Talk to a sales advisor Start business account opening

Guided KYB · No setup cost · Payment cost visible before confirming

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