Cross-Border Payments

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Want to try cross-border payments?

If you'd like access to create cross-border payments, please contact your Routable Customer Success Manager with any questions you may have.

Cross-border Payments

Routable supports payments made from companies in the United States to vendors in several other countries. Routable does not currently provide support for cross-border receivables. See below for a list of countries and currencies supported by Routable.

Creating a Foreign Vendor

To create a foreign Vendor, use the Create a Company endpoint and provide a country_code. The country_code value must not match your own company's country, as vendors in the same country as your company should be treated as domestic vendors rather than cross-border ones. See below for a list of countries currently supported by Routable.

Once the vendor is created, it is strongly recommended to use Routable's Invite a Company workflow to allow the recipient to populate various details concerning their address and funding account using our pre-built form. The data required contains a variety of different fields and formats depending on the recipient's country, and developing your own form to handle each possible scenario can become quite complex.

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A word about country codes and currency codes

Routable uses ISO 3166-1 alpha-2 country codes and ISO 4217 currency codes in all of its APIs.

Sending Cross-border Payments

Cross-border payments are created using the Create a Payable endpoint. Payables of this type have a type of international and require a currency_code that corresponds with the receiver's country (see below). Note also that cross-border bank transfer payments MUST use the delivery_method of international_ach.

{
    "type": "international",
    "acting_team_member": "d373f767-1ef2-413d-9a57-f470d637671c",
    "amount": "52.30",
    "delivery_method": "international_ach",
    "withdraw_from_account": "2a8fe155-512e-4634-bd4a-710f3a1385ae",
    "currency_code": "GBP",
    "line_items": [
        {
            "amount": "52.30",
            "description": "Truck signs",
            "quantity": "1",
            "style": "item",
            "unit_price": "52.30"
        }
    ],
    "pay_to_company": "c1cba353-1de6-4386-bcfb-31a45857cdb7",
    "pay_to_payment_method": "e08864e0-a01b-40c7-bfab-117c044ecdde",
    "send_on": null
}

Once this call completes, the Vendor will receive an email with instructions on how to accept the payment using another of Routable's pre-built external flows.

Countries and currencies currently supported by Routable

Routable supports sending to some countries in their native currencies and to some in US dollars. Additionally, different delivery methods (local bank transfer vs. SWIFT) are supported in different countries, and some countries have different requirements for international PaymentMethods and recipient Companies and Contacts.

See the Supported Countries and Territories list for a complete listing of supported countries and territories as well as the payment methods, delivery options, and currencies we support. The explorer will also show you any additional required data to send a Payable to the selected country or territory. Routable continues to add support for new countries, new currencies and new delivery methods to our platform, so check back often!

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Need a hand?

Reach out to our Developer Experience team at [email protected] with any questions you may have!


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