International Business Payments Made Simple

No more Card Fees Wire Fees Setup Fees Complex API Monthly Fees

Payments to and from around the world, delivered via bank accounts and e-wallets.

Business payments without the high FX rates, hidden charges, and monthly fees. Pay and get paid, manage your cash flow, hold 13+ currencies and integrate via API — all in one place.

Direct Bank Payments With $0 Wire Fees

No more Card Fees Wire Fees Paper Checks Manual Invoices Complex Setup

borderless is not another bank. We are an online bank payment processor bringing you local and international direct bank payments in seconds. Payments should be simple, so let us help.

THE SMART WAY TO PAY & GET PAID

Award-Winning Solution

We service small businesses all the through high-growth clients listed in the Inc. 5000 Fastest Growing Companies in America

Trusted by Financial Institutions

We Support 3000+ Banks Worldwide

Go Global Yet Pay Like A Local

Transfer funds around the world, with no or low fees

LOCAL PAYMENTS

SPEND LESS ON FX & BANK FEES

MAKE BATCH PAYMENTS

Transfer funds around the world, with no or low fees

GLOBAL COVERAGE

SPEND LESS ON FX & BANK FEES

MAKE BATCH PAYMENTS

Reach new markets with multi-currency balances

HOLD FOREIGN CURRENCY

COLLECT AND PAY LIKE A LOCAL

INTEGRATE TO ONLINE PLATFORMS

Automate Your Payments To Focus On Growth

SMART SUBSCRIPTIONS

SAVE UP TO 90% ON CREDIT CARD FEES

CHARGE VARYING AMOUNTS

Automate Your Payments To Focus On Growth

SMART SUBSCRIPTIONS

SAVE UP TO 90% ON CREDIT CARD FEES

CHARGE VARYING AMOUNTS

Let Your Customers Pay With Their Bank

SIMPLE USER EXPERIENCE

EASY INTEGRATION

HIGH LIMITS FOR LARGE TRANSACTIONS

Hear From Our Happy Customers

Save money with Borderless! Transparent way to manage larger B2B payments. Easy to use, and the ability to track payment progress is very helpful! 

David T.

CEO, Lenderfit

The coverage is crazy and goes into some countries that e.g. Wise.com currently can't serve. 

Dominic M

CEO, MentorCruise

borderless is hands-down the best way to pay and get paid. Great customer service. MUCH cheaper than any solution out there. Super easy to use.

Kamal K.

Director of Strategy and Innovation

With borderless™, you can save up to 90% on processing fees compared to competitors!

How borderless Can Help You Too

1 click easy global payments

Our User-Friendly Platform

With our payment dashboard, you can manage your payments from one convenient location.

person holding a piggy bank with coin being inserted

Low and
Affordable Rates

We pride ourselves on giving you the absolute lowest rates. No hidden, monthly, or setup fees.

borderless secure international payments

Safe & Secure
Online Payments

Reduce your data liability by never inputting or collecting sensitive banking information again.

BUILT FOR E-COMMERCE B2B PAYMENTS TRAVEL LOGISTICS DREAMERS YOU

Flexibility is in our code – we are built for businesses of all sizes and industries.

Special business model? Contact our sales team to see how we can help grow your business. Contact Sales >

Frequently Asked Questions

It’s free to open a Personal or Business account.

There are no setup fees, monthly fees or hidden fees.

There are no exchange fees between currencies. There’s a cheap, transparent fee when paying to different countries. You always see our low, transparent fee up front so there’s never any surprises.

When you convert money in your account it’s always with our great FX rates. 

borderless™ is currently available for individuals and businesses in 80+ countries, including the United States, Canada, Australia, and the United Kingdom. You can view our entire list of serviced countries here. Don’t see your country? We’re rapidly expanding and expect to service an additional ountries by the end of 2021!

Yes, you can hold funds in 12+ currencies including USD, GBP, EUR, MXN, CHF, SGD, HKD, and more.

borderless™ has a multi-rail smart infrastructure connecting to multiple local payout systems around the world. Our Smart Infrastructure connects local rails (such as SEPA, BECS, ACH, etc.), e-wallet transfers, and SWIFT under one platform. As these rails do not currently interact with each other, the ability to connect these rails under one platform gives borderless users an edge over other systems. Our Smart Infrastructure always chooses the most efficient rails to deliver payments around the world, reducing costs & delays associated with international transactions. In addition, borderless offers capped fees and converts the funds using outstanding exchange rates, saving clients more on every payment. 

borderless™ uses its own global payment infrastructure and partners with multiple financial institutions. In some regions, our smart multi-rail technology debits your bank account and sends the funds directly to the recipient’s bank account using their local rail. We avoid middlemen to keep your payments simple and affordable. By doing so we avoid your bank charging wire fees as all the payments are being debited and delivered as a local payment. 

Yes, you can pay anyone in all the countries we service even if they are not a borderless user. 

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.

We understand you may be comfortable with your current processor, but we also want to inform you of the benefits of joining borderless™. That’s why we encourage you to read our blog posts that thoroughly examine how we compare to other processors including Stripe, Payoneer, PayPal, Wise, and Bill.com.

borderless™ saves you money in many ways:

 1) Paying is always free – we think wire and convenience fees are silly. That’s why you always enjoy $0 wire fees.

2) There are no sign up fees, no setup fees, or monthly fees – We keep our pricing transparent, as it should be. 

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! 

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