Send us the supplier's invoice. We check it before any documents are signed, select a payment agent from our pool for the beneficiary's country and bank, and put the fee, rate and term in writing before your roubles are debited. You don't need an account abroad.
Estimate the minimum fee
The final fee and rate are fixed in the payment order
Minimum amount: 10,000 USD or equivalent
This is a minimum, not an offer or a rate lock. The final figure depends on the country, amount and the banks involved and is fixed in the payment order.
Request a quoteYou pay in roubles from your own current account under an agency agreement. An agent from our pool transfers the invoice currency to the supplier. The beneficiary, amount and purpose of payment are taken from the invoice and checked against the contract.
The agency agreement, a payment order with the invoice number and date, payment confirmation, the agent's report and completion certificate. Your accountants close the supplier's invoice, and your bank sees which document the money was paid against.
3 business days
The term runs from the moment the payment order is signed and the roubles are sent.
Invoices issued to Russian companies and sole proprietors under foreign trade deals. Goods or services, a first payment or a repeat one.
The supplier wants the money before shipment. The agent pays against the proforma invoice. The commercial invoice and shipping documents go into the bank package later.
The goods have been shipped or accepted, and the invoice is for the final amount. We check it against the contract and the specification, if they exist.
Development, licenses, software subscriptions, consulting, logistics. You need a contract or an invoice describing the service and, once it is delivered, a completion certificate or the contractor's report.
An invoice listing the items, quantities and purpose of payment. The beneficiary's bank often asks questions about such invoices, so we check the description in advance.
No new agency agreement is needed. Each invoice goes under its own payment order with its own rate and fee.
From the supplier's invoice to payment confirmation. Roubles leave your account only at step four, when the terms are already in writing.
The supplier's invoice, the contract if there is one, and your company details. That is enough for a first answer.
We check the beneficiary, bank, amount, currency and purpose of payment against the contract. If something is missing, we tell you what to ask the supplier for.
We choose an agent from our pool whose route to the beneficiary's country and bank works on the payment date. The term goes into the agency agreement, the rate and fee into the payment order.
From your account to the agent. On request, the roubles wait in a special escrow account until the currency is sent, for an additional fee.
The agent pays the invoice. You receive payment confirmation, the agent's report and completion certificate, and a currency control package.
from 0.9%
minimum fee for paying an invoice
The final fee depends on the beneficiary's country and bank, the amount and the route. We put it and the rate into the payment order before your roubles are debited. You don't pay us separately: the broker's fee is paid by the executing agent.
Send us the agent's latest report or tell us your rate. We'll calculate the full cost with the FX markup and fixed charges and look for a lower rate in our pool. If we can't find one, we'll say so.
The agent sends currency against the invoice, the beneficiary's bank credits it, and your bank later checks the deal documents. An error in the invoice can stop the payment at any of these steps. That is why we check the invoice before any documents are signed, not after your roubles are debited.
Invoice number and date. Full names and addresses of the seller and the buyer. A reference to the contract, if there is one. Description of the goods or services, quantity, price, total amount and currency. Payment terms: prepayment, payment after shipment or in stages. The beneficiary's bank details: bank name, SWIFT code and account number or IBAN.
A proforma is issued before shipment, and the advance is paid against it. A commercial invoice is issued on shipment: it is used to determine the customs value and to close the delivery. If you paid against a proforma, keep both documents: in the bank package they must match in amount and items.
Sometimes the contract is signed with a factory, but the payment is requested to a trading company in another country. For the bank, this is a different beneficiary. You need a letter from the supplier or an addendum stating who receives the money. Without it, banks along the way may stop the payment, and your bank will ask questions when it reviews the documents.
For a one-off purchase, the supplier often sends only an invoice. If it states the subject, price, dates and payment terms, such an invoice is usually accepted as the basis for payment. For a large amount or a series of deliveries, a signed contract is safer. If you pay on a schedule, see currency contract payments.
We are not an agent with a single channel but a broker with our own network. For each invoice we choose an agent from our pool whose route to the beneficiary's country and bank works on the payment date. If your bank or your previous agent has refused, we look for another route in the pool. You see the agent and the terms before your roubles are debited, and we prepare the documents.
A detailed walk-through of invoice fields with examples of errors is in our article how to fill in an invoice so the payment goes through.
On every deal the execution period is written into the agency agreement, and we add escrow on request.
If you need a guarantee, the payment goes through a special escrow account at a Russian bank: the roubles wait there until the agent sends the currency to the beneficiary and are released only upon execution. This scheme carries an additional fee, shown in the quote before the agreement.
The agent executes the payment within 3 business days: the period is written into the agency agreement.
If the beneficiary's bank accepts payment only from a specific payer, the agent engages a sub-agent. Only with your consent. Your agency agreement does not change.
For large volumes, on request, we assign an agent backed by a large exporter's surety; some companies in our network have one. It can be combined with escrow.
Yes, if the invoice states the subject, price, amount, currency and payment terms. For a series of deliveries and large amounts, we recommend a contract: the bank will have fewer questions.
Ask the supplier for a letter or an addendum naming the new beneficiary. Without such a document, the payment usually fails the checks both at the agent and at your bank.
Yes, before your roubles are debited. We put the rate and fee into the payment order for each invoice.
10,000 USD or the equivalent in another currency.
Personal purchases, payments by individuals and invoices without a foreign trade basis. If the subject, country or beneficiary fails our checks, we tell you before you transfer roubles and take no money.
Payment confirmation (a SWIFT confirmation on request), the agent's report and completion certificate. Plus a currency control package with the invoice number and date.
Describe the payment. We'll reply with a proposed route and terms. We name the agent in advance, and the rate and fee go into the payment order before your roubles are debited.