Transborder Payments Case Studies

As global commerce accelerates, businesses can no longer afford to wait days for international transfers to clear. Real-time payments — once limited to domestic networks — are now becoming a standard expectation across borders. For multi-currency companies, implementing this capability means rethinking payment architecture, liquidity management, and regulatory coordination. This article explores how global firms … Read more

Africa has one of the most dynamic yet fragmented financial landscapes in the world. With more than 50 countries, dozens of currencies, and diverse regulatory systems, cross-border payments remain a major challenge across the continent. Despite rapid growth in fintech and mobile money, many businesses still experience failed or delayed transactions. Understanding why these failures … Read more

In the Asia-Pacific (APAC) region, cross-border payments connect some of the world’s fastest-growing economies — from Singapore and Australia to Vietnam and the Philippines. Yet, many companies still struggle with delayed transactions caused by multiple currencies, inconsistent regulations, and legacy infrastructure. This case study examines how a regional fintech firm redesigned its payment operations to … Read more

For software-as-a-service (SaaS) companies operating globally, managing payouts to clients, partners, and affiliates across multiple countries can be as complex as the technology they build. Differences in currencies, banking systems, and compliance requirements often slow down financial operations. This case examines how one European SaaS provider modernized its global payout infrastructure — reducing delays, cutting … Read more

When European teams say “China is hard,” they rarely mean demand. They mean cash. Cards approve on small baskets and wilt at scale; wires arrive with truncated references; refunds turn into diplomacy; finance learns new acronyms every week. The team I’ll describe didn’t “add a method.” They built a system: let Mainland shoppers pay on … Read more

Japan and South Korea look similar on the revenue slide—high card penetration, famous wallets, affluent buyers. Payments tell a different story. If you treat both markets as “just add cards and wallets,” you’ll end up with stalled conversions, slow refunds, and reconciliation chores nobody volunteers for. The teams that win take a quieter path: domestic … Read more

When your pricing model depends on consumption, cash doesn’t arrive in a neat monthly transfer. It drips in micro-payments. That sounds elegant—until “billing day” turns into a call center for complaints: disputed charges, “why this amount?”, failed payments, cross-border fees, messy refunds, credit notes that don’t match invoices. What follows is the framework we used … Read more

Ask ten EU finance teams what scares them about Southeast Asia, and you’ll hear the same chorus: “too many payment schemes, too many wallets, refunds that vanish into support, and FX that behaves like weather.” The irony is that Southeast Asia is one of the simplest regions to run once you accept a truth most … Read more

If you sell courses at scale, tax is not a line item—it’s a product feature. The moment you mix pre-recorded lessons, live cohorts, downloadable materials, and “starter kits” shipped to students, your EU VAT posture explodes from “charge 21%” to “is this B2C e-service, B2B reverse charge, or an IOSS goods import under €150—and in … Read more

When your customers live in multiple countries, the acquiring stack you choose quietly decides your conversion rate. One EU retailer I worked with learned this the hard way: a single cross-border EU MID handled everything—Germany at 2 p.m., the UK at midnight, Saudi Arabia on weekends. The checkout looked fine; the approval rate did not. … Read more