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You pay ",[159],{"type":61,"attrs":160},{"color":121},{"text":134,"type":58,"marks":162},[163],{"type":61,"attrs":164},{"color":127},{"text":166,"type":58,"marks":167},"115 when the real cost should be ",[168],{"type":61,"attrs":169},{"color":121},{"text":134,"type":58,"marks":171},[172],{"type":61,"attrs":173},{"color":127},{"text":175,"type":58,"marks":176},"47*. 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",[450],{"type":61,"attrs":451},{"color":121},{"type":51,"attrs":453,"content":455},{"textAlign":53,"key":454},"p-16",[456,462,468,473,479,484],{"text":298,"type":58,"marks":457},[458,460],{"type":61,"attrs":459},{"color":127},{"type":461},"italic",{"text":463,"type":58,"marks":464},"Actual savings will vary based on payment volumes and current exchange rates.",[465,467],{"type":61,"attrs":466},{"color":121},{"type":461},{"text":469,"type":58,"marks":470}," ",[471],{"type":61,"attrs":472},{"color":121},{"text":474,"type":58,"marks":475},"Example based on ING exchange rate (EUR to USD) of 1.142 + a ",[476,478],{"type":61,"attrs":477},{"color":121},{"type":461},{"text":134,"type":58,"marks":480},[481,483],{"type":61,"attrs":482},{"color":127},{"type":461},{"text":485,"type":58,"marks":486},"15 transfer fee vs true mid-market rate of 1.155 + a 0.5% FX fee, to pay a $10,000 invoice from a GBP account, based on our partner’s October 2025 results.",[487,489],{"type":61,"attrs":488},{"color":121},{"type":461},{"type":180,"attrs":491,"content":492},{"level":182,"textAlign":53},[493],{"text":494,"type":58,"marks":495},"Seven steps just to pay one invoice",[496],{"type":61,"attrs":497},{"color":121},{"type":51,"attrs":499,"content":500},{"textAlign":53,"key":54},[501],{"text":502,"type":58,"marks":503},"The hidden fees are bad enough. But here's what makes international payments truly painful: the process itself.",[504],{"type":61,"attrs":505},{"color":121},{"type":51,"attrs":507,"content":508},{"textAlign":53,"key":154},[509],{"text":510,"type":58,"marks":511},"Finance teams juggle multiple tools that don't talk to each other. So when you need to pay an international supplier, here's what actually happens:",[512],{"type":61,"attrs":513},{"color":121},{"type":393,"attrs":515},{"id":516,"body":517},"19fd5659-6d64-4bf1-9b8c-676dcea4e34b",[518],{"_uid":519,"text":520,"color":521,"title":25,"component":522},"i-bb866d3f-ebdb-4c50-98d6-ed8f2e7c4606","1. Approve the invoice in your AP system.\n2. Switch to your banking portal.\n3. Manually re-enter all the payment details.\n4. Typically wait 3-5 business days with limited visibility.\n5. Often have to chase the bank for updates.\n6. Log back into your accounting system to reconcile.\n7. Apologise to your supplier for the delay.","purple","callout",{"type":51,"attrs":524,"content":525},{"textAlign":53,"key":201},[526],{"text":527,"type":58,"marks":528},"Seven steps. Three different systems. Hours of work for a single payment. When your payment process spans multiple disconnected tools, that's not surprising – it's inevitable.",[529],{"type":61,"attrs":530},{"color":121},{"type":180,"attrs":532,"content":533},{"level":182,"textAlign":53},[534],{"text":535,"type":58,"marks":536},"Your payment disappears for three days",[537],{"type":61,"attrs":538},{"color":121},{"type":51,"attrs":540,"content":541},{"textAlign":53,"key":210},[542],{"text":543,"type":58,"marks":544},"Traditional banks process international payments through a chain of intermediary institutions. Each one adds time, cost and risk.",[545],{"type":61,"attrs":546},{"color":121},{"type":51,"attrs":548,"content":549},{"textAlign":53,"key":225},[550],{"text":551,"type":58,"marks":552},"But the real problem is simpler: traditional bank transfers typically take 3–5 business days to process, with strict weekday cut-off times that can delay urgent payments. Miss the cut-off on Friday? Your payment won't process until Monday at the earliest.",[553],{"type":61,"attrs":554},{"color":127},{"type":51,"attrs":556,"content":557},{"textAlign":53,"key":245},[558],{"text":559,"type":58,"marks":560},"This creates real costs:",[561],{"type":61,"attrs":562},{"color":121},{"type":218,"content":564},[565,581,597,613],{"type":221,"content":566},[567],{"type":51,"attrs":568,"content":569},{"textAlign":53,"key":254},[570,576],{"text":571,"type":58,"marks":572},"Damaged supplier relationships: ",[573,575],{"type":61,"attrs":574},{"color":121},{"type":291},{"text":577,"type":58,"marks":578},"Late payments push you down the priority list.",[579],{"type":61,"attrs":580},{"color":121},{"type":221,"content":582},[583],{"type":51,"attrs":584,"content":585},{"textAlign":53,"key":267},[586,592],{"text":587,"type":58,"marks":588},"Penalty fees:",[589,591],{"type":61,"attrs":590},{"color":121},{"type":291},{"text":593,"type":58,"marks":594}," Many contracts include late payment charges.",[595],{"type":61,"attrs":596},{"color":121},{"type":221,"content":598},[599],{"type":51,"attrs":600,"content":601},{"textAlign":53,"key":283},[602,608],{"text":603,"type":58,"marks":604},"Lost discounts: ",[605,607],{"type":61,"attrs":606},{"color":121},{"type":291},{"text":609,"type":58,"marks":610},"You can't take advantage of early payment terms.",[611],{"type":61,"attrs":612},{"color":121},{"type":221,"content":614},[615],{"type":51,"attrs":616,"content":617},{"textAlign":53,"key":305},[618,624],{"text":619,"type":58,"marks":620},"Wasted time:",[621,623],{"type":61,"attrs":622},{"color":121},{"type":291},{"text":625,"type":58,"marks":626}," Hours spent tracking payments and fielding supplier calls.",[627],{"type":61,"attrs":628},{"color":121},{"type":51,"attrs":630,"content":631},{"textAlign":53,"key":318},[632],{"text":633,"type":58,"marks":634},"In a global business environment, waiting three to five days for a payment to clear isn't just inconvenient. It's a competitive disadvantage.",[635],{"type":61,"attrs":636},{"color":121},{"type":180,"attrs":638,"content":639},{"level":182,"textAlign":53},[640],{"text":641,"type":58,"marks":642},"You have no idea where your money is",[643],{"type":61,"attrs":644},{"color":121},{"type":51,"attrs":646,"content":647},{"textAlign":53,"key":337},[648],{"text":649,"type":58,"marks":650},"The payment has left your account. But you don't know:",[651],{"type":61,"attrs":652},{"color":127},{"type":218,"content":654},[655,665,675,685],{"type":221,"content":656},[657],{"type":51,"attrs":658,"content":659},{"textAlign":53,"key":356},[660],{"text":661,"type":58,"marks":662},"Whether it's been initiated.",[663],{"type":61,"attrs":664},{"color":121},{"type":221,"content":666},[667],{"type":51,"attrs":668,"content":669},{"textAlign":53,"key":376},[670],{"text":671,"type":58,"marks":672},"Which banks are handling it.",[673],{"type":61,"attrs":674},{"color":121},{"type":221,"content":676},[677],{"type":51,"attrs":678,"content":679},{"textAlign":53,"key":407},[680],{"text":681,"type":58,"marks":682},"When it will arrive.",[683],{"type":61,"attrs":684},{"color":121},{"type":221,"content":686},[687],{"type":51,"attrs":688,"content":689},{"textAlign":53,"key":436},[690],{"text":691,"type":58,"marks":692},"What will the final amount be after fees.",[693],{"type":61,"attrs":694},{"color":121},{"type":51,"attrs":696,"content":697},{"textAlign":53,"key":454},[698],{"text":699,"type":58,"marks":700},"This creates a cycle of anxiety and frustration. You make apologetic calls to suppliers with no concrete answers. They wonder if you're reliable. You wonder if your bank is competent. Neither of you should have to wonder.",[701],{"type":61,"attrs":702},{"color":121},{"type":180,"attrs":704,"content":705},{"level":182,"textAlign":53},[706],{"text":707,"type":58,"marks":708},"There's a better way",[709],{"type":61,"attrs":710},{"color":121},{"type":51,"attrs":712,"content":714},{"textAlign":53,"key":713},"p-17",[715,720,731],{"text":716,"type":58,"marks":717},"Forward-thinking finance teams are solving these problems by consolidating international invoice payments into ",[718],{"type":61,"attrs":719},{"color":121},{"text":721,"type":58,"marks":722},"Spendesk",[723,727,729],{"type":724,"attrs":725},"link",{"href":726,"uuid":53,"anchor":53,"target":53,"linktype":35},"https://www.spendesk.com/platform/international-payments/",{"type":61,"attrs":728},{"color":121},{"type":730},"underline",{"text":732,"type":58,"marks":733},". 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