Businesses that collect and make payments locally and internationally who are looking for a fully integrated tool to their bank account. 

Individuals who shop online using debit and credit cards or make payments internationally through bank wires or traditional financial institutions such as Western Union who are looking to save money. 

borderless is not a bank or accounting tool. We are a direct bank to bank payment processor. We are a layer on top of your current bank that is fully integrated and makes dealing with your bank account easy and affordable. We take your local bank global avoiding any wire fees and unfavorable exchange rates. 

borderless™ is currently available for individuals and businesses in the United States, Canada, Australia, United Kingdom and 55+ countries. You can view our list in our countries list here. Don’t see your country? Vote for it here. 

No, borderless™ does not process debit or credit cards as there are 5+ intermediaries to process a single card transaction. We like to keep payments simple. We eliminate middlemen, reducing extra fees, delays and unnecessary hassle. Also, why rack up credit card debt when you can securely pay with your bank?

Yes, borderless™ uses its own global direct debit infrastructure and partners with multiple financial institutions. In some regions, our smart multi-rail technology, debit your bank account and send the funds directly to the recipients bank account using their local rail. We avoid middlemen and their fees, saving you time and money.

You trust your bank and so do we. That’s why we leave your money safely in your bank, where it belongs, until it’s time to transfer it. borderless™ uses bank-grade security protocols and highly sophisticated data encryption tools to keep your information and transactions secure. Additionally, borderless™ partners with leading financial institutions meeting regulatory requirements around the world, including the Bank Secrecy Act, Electronic Money Regulations 2011, and the Payment Services Regulations 2017. 

borderless™ saves you money in many ways:

 1) Paying is always free – we do not charge any fees when making a payment. We think wire and convenience fees are silly. 

2) There are no sign up fees, no setup fees or monthly fees – We think that’s totally uncool. 

3) For merchants, borderless™ charges a simple and transparent fee that is 67% less than what credit card payment processors charge. For example, in the US for local payments, borderless™ charges 1% + 30c while credit card processors charge 2.9% + 30c. For business payments, it has rates as low as 0.1%. That’s more than 90% reduction in payment fees!

4) Unlike other processors, our fees have a cap, so you always know what you are paying no matter how high the charge is. 

5) borderless™ provides a more competitive exchange rate than most banks or PayPal, getting you more for your buck. Now those are savings you didn’t even know about!