Cross-border payments.
One balance behind every rail the payment might need. ACH and wire in the US, SEPA and SWIFT in Europe, FAST in Singapore, IMPS in India, and a stablecoin rail for the corridors where the banking calendar gets in the way. ACH and wires are free from Plaitr, and FX runs at the mid-market rate.
Plaitr is not a bank, a money services business or a card issuer. Your balance sits in a Squads smart account that belongs to your business, signed by a Privy wallet your team controls. Licensed partners process fiat rails (ACH, wires, SEPA, local rails) and never take custody of the balance. How the product is built.
The rail follows the payment
Local rails in 90+ countries and balances in 40+ currencies sit behind one account, so the rail is a choice you make per payment rather than per bank you had to open.
The price is the whole price
ACH and wires are free in and out. FX runs at the mid-market rate with no hidden spread, and the rate and any fee are shown before you submit.
The books keep up with the money
Every payment posts to your ledger as it settles and exports to Xero, QuickBooks, NetSuite or CSV, whichever rail it went out on.
Send on the rail the corridor actually runs on
A cross-border payment is not one product, it is a choice of rail. Plaitr keeps every rail behind a single balance so that choice is made per payment, and so a new corridor does not mean a new account somewhere else.
- Local rails in 90+ countries
ACH and wire in the US, SEPA and SWIFT in Europe, FAST in Singapore, IMPS in India, and local rails across 90+ countries.
- 40+ currencies held natively
USD, EUR, GBP, SGD and more sit on the balance directly. No wrapper accounts, no shadow sub-ledger to reconcile later.
- Stablecoin rails as an alternative
USDC and USDT sit on the same balance. On-chain settlement does not wait for a cut-off time, a weekend or a correspondent bank, which is the whole reason to reach for it on a cross-border run.
- Corridor availability is checked, not assumed
Which corridors are open to your account depends on the partner institution serving each end, so it is confirmed at onboarding rather than promised here. A corridor is a pair, not a country.
See the rate and the fee before you submit
Most of what a cross-border payment costs is the part nobody shows you: the spread on the conversion, and the banks that take a cut while the money is in transit. Both are disclosed here rather than discovered on the beneficiary's statement.
- Mid-market FX, disclosed before submit
Displayed rates are indicative mid-market rates refreshed in real time. The rate applied and any fee are shown before the transaction is submitted.
- ACH and wires are free
Free in and out, domestic and international. There is no per-payment fee from Plaitr on either.
- Third-party charges passed through at cost
Correspondent banks on the SWIFT chain can still deduct lifting fees in transit, and the beneficiary bank may charge a credit fee. Neither is a Plaitr charge and neither is a figure Plaitr sets, which is why the landed amount can differ from the amount sent.
- Stablecoin payouts priced the same way
The blockchain network fee is passed through at cost with nothing added, plus any partner off-ramp fee where the payout converts into local currency, disclosed with the rate before you confirm.
Thousands of payments, one month-end
Paying fifty suppliers across nine countries is an operations problem before it is a payments one. Approvals sit in front of the money and the ledger sits behind it, so nobody rebuilds the month from statements afterwards.
- Bulk payouts by CSV or API
Upload a file or call the API to send thousands of payments in a single run, to contractors, suppliers or a payroll batch.
- Payment links for money coming in
Share a link and get paid, one-off or recurring, in USD or the payer's local currency.
- Approvals before a payment leaves
Set spend limits per person and require sign-off on transfers over a threshold, per entity, with multi-entity payouts running off one ledger.
- Posted as it settles, exported where you close
Every transaction posts to your ledger as it settles and exports to Xero, QuickBooks, NetSuite or CSV, fiat and stablecoin alike.
What a cross-border payment costs and covers
The published price list and the published coverage, in full. Settlement times and corridor access depend on the rail and the partner at each end, so they are answered per corridor rather than printed as one number here.
- Local rails
- 90+ countries
- ACH and wire in the US, SEPA and SWIFT in Europe, FAST in Singapore, IMPS in India. Coverage depends on the partner institution serving that market, so availability varies by country and may change.
- Currencies held
- USD, EUR, GBP, SGD and 40+ more
- Held natively on the balance, not through wrapper accounts.
- ACH in and out
- Free
- No per-payment fee on incoming or outgoing ACH.
- Wires in and out
- Free
- Domestic and international. Correspondent banks on the SWIFT chain can still deduct lifting fees in transit and the beneficiary bank may charge a credit fee. Neither is a Plaitr charge.
- FX conversion
- Mid-market, no hidden spread
- Displayed rates are indicative and refreshed in real time. The applied rate is disclosed before each transaction is submitted.
- Stablecoin payouts
- Network fee at cost + partner off-ramp fee
- The network fee is passed through with nothing added. The off-ramp fee varies by corridor and partner and is disclosed with the rate before you confirm.
- Settlement time
- Varies by corridor
- Speed depends on the rail, the partner and the receiving bank. Where a route has been compared in public, the numbers are on that corridor's page.
- Corridor availability
- Confirmed at onboarding
- Which corridors are open to your account depends on the partners covering both ends and can change.
Frequently asked
Can’t find your answer here?
More on payments
All postsCircle Mint vs Bridge vs BVNK: business off-ramp 2026
Circle Mint vs Bridge vs BVNK compared feature-by-feature for 2026: fees, chain support, KYB depth, country coverage, and which ramp fits which business.
8 min readFreight forwarder cross border payments: 2026 guide
Freight forwarder cross border payments route across SEPA Instant, FPS, IMPS, PIX, FAST, and stablecoin rails to cut wire fees and settle in seconds.
9 min readPay demurrage and detention port fees fast in 2026
Pay demurrage detention port fees the same day using local rails, SWIFT, or stablecoins, and stop the per-container meter from running past free time.
8 min readMulti currency business account: what works in 2026
Compare multi currency business account options in 2026: Wise, Airwallex, Payoneer, Statrys, and Plaitr on fees, IBANs, FX, and custody model.
9 min readOff ramp USDC to USD for a US business: 2026 guide
Off ramp USDC to USD for a US business in 2026. Compare Circle Mint, Coinbase Prime, Bridge, and Plaitr on fees, KYB, and settlement timing.
9 min readPay overseas carriers as a US broker without SWIFT drag
How to pay overseas carriers us broker teams route payouts across SEPA, Faster Payments, IMPS, PIX, FAST, and stablecoins to cut fees.
8 min readHow to receive USD payments as a LATAM founder in 2026
A practical 2026 guide to receive USD from US clients across LATAM, comparing local rails, Wise, Payoneer, and Plaitr with real fees.
10 min readShopify Payouts for international sellers: 2026 fee guide
How Shopify payouts reach an international seller in 2026, where the 3-5% fee stack lives, and how a US business account cuts total cost.
11 min readStablecoin payroll remote team guide for 2026
Stablecoin payroll for remote teams in 2026: cost per payout, Deel vs Wise vs Plaitr, and compliance guardrails for Nigeria, Argentina, and Vietnam.
9 min readHow Indian exporters receive USD without RBI headaches
A US bank account for Indian exporters that holds USD, converts to INR at mid-market, and keeps your FIRA/EDPMS paperwork clean under RBI rules.
5 min readStablecoin on ramp off ramp explained for finance
Stablecoin on ramp off ramp explained for finance teams: how Circle Mint, Bridge, and BVNK differ on fees, KYB, and settlement per corridor.
6 min readWhat is stablecoin banking, and why B2B is the real market
Stablecoin banking runs USD-pegged tokens on the same account as fiat rails. Retail is the headline, but B2B settlement is where the volume actually lives.
5 min read
Price the corridor before you commit to it.
Where the money starts, where it has to land, and the paperwork that follows it. We will tell you which rail covers that route today, and say so plainly if none of ours does.