International supplier payments, priced clearly
You've got an invoice from a manufacturer in Italy, a components supplier in China, or a design studio in the UAE, and it's due in their currency, not yours. We convert your pounds and pay the supplier directly, at a transparent 0.25%-0.40% margin, depending on transfer size, with no Currencyflow payment transfer fees, so the amount that leaves your account is the amount you planned for. You can see your Currencyflow exchange rate upfront, before you commit to anything.
- Pay suppliers in their local currency
- Transparent 0.25%-0.40% margin, depending on transfer size
- No Currencyflow payment transfer fees
- Personal support, including direct access to our founder

Send, save... & relax.
Transparent pricing, always shown upfront.
Your funds are safeguarded and kept separate from Currencyflow's operational funds. They are held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951).
By Freddie Smith, Founder & CEO, Currencyflow · Updated 23 September 2026
What international supplier payments are
An international supplier payment is simply paying an invoice raised in a foreign currency: your UK business owes a supplier abroad, and the money has to reach them in euros, dollars, dirhams, or whatever they bill in. The complication isn't the payment itself, it's the exchange rate sitting inside it. With Currencyflow, you see that exchange rate and the 0.25%-0.40% margin applied to it before you confirm, so the cost is clear from the start.
We do this differently. You tell us the invoice amount and the currency, we quote you a fixed, transparent margin on the rate with no payment transfer fees, and we send the funds straight to your supplier's account. You see the exact rate for your payment before you confirm, so there's no margin to work out afterwards. You get direct, personal support by phone, WhatsApp or email, including access to our founder Freddie, which matters when a payment is time-sensitive or a supplier is chasing. Your funds are held in safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd, kept separate from day-to-day operating money. Whether you pay one supplier a quarter or fifty a month, the mechanics stay the same.
Who uses this
This is built for UK businesses that buy from abroad and are tired of guessing what a payment will actually cost. A furniture retailer importing finished pieces from a workshop in Italy, settling each order in euros. An electronics assembler buying boards and components from suppliers in Shenzhen, paying in US dollars because that's how the invoices come. A marketing agency that outsources production to a studio in Dubai and pays in dirhams every month. A food importer bringing olive oil in from Spain and coffee from suppliers who invoice in dollars, juggling two currencies at once.
What they share is a real exposure to the rate: the invoices are big enough, or frequent enough, that a wide margin genuinely eats into their costs. If you're paying suppliers in one or more foreign currencies and the amounts matter to your margins, this is for you. If you want the fuller situational picture, from payment terms to keeping supplier relationships smooth, our guide to paying overseas suppliers walks through it. If you're also selling abroad and taking money in, our page on managing FX for import and export businesses covers both sides of that flow. You'll find every page in our business FX hub, and when you're paying a supplier in a specific country, our corridor guides go route by route, from the UK to Italy to the UK to the UAE.
How paying a supplier works
Send us the invoice details
Tell us who you're paying, the amount, and the currency they've billed in. We'll quote you a fixed margin on the rate for that payment, with no payment transfer fees on top.Set up your account once
Your account manager gets your business verified, which means the usual KYC and source of funds checks that any regulated payments business has to run. It's a one-time setup, and after that repeat payments are quick.Fund the payment
Send your pounds to your safeguarded Currencyflow account by UK bank transfer. We confirm as soon as the money reaches us.We pay your supplier
We convert at the agreed rate and send the funds to the supplier's account. Euro payments go over SEPA and other currencies through the relevant network, and we'll confirm the timing for your payment.You get confirmation
We tell you when the payment has gone, and you've got a clear record of the rate and amount for your books.
What to think about before you pay
The invoice currency decides who carries the risk. If your supplier invoices you in their currency, the exchange rate is your problem, and the cost in pounds can shift between agreeing the order and paying it. If they invoice in pounds, they're carrying that risk instead, and it's often priced into what they charge you. Neither is automatically better, but it's worth knowing which side you're on before you negotiate terms.
Timing matters more than people expect. Payments settle on value dates, and every currency has daily cut-off times after which a payment rolls to the next working day. If a supplier's terms are net 30 and you're cutting it fine, a missed cut-off or a public holiday in their country can push the money past the deadline. Your account manager can tell you the realistic timeline for the currency you're paying in.
Get your documentation ready once. As a regulated payments flow, larger or first-time payments can need source of funds evidence, and setting a supplier up as a new payee involves standard AML checks. Having company details, beneficial ownership, and invoice records to hand makes the first payment smooth. After that, paying the same supplier again is fast.
If a payment is weeks away, you can fix the rate now. For a large invoice with a future due date, a forward contract lets you lock in today's rate for a payment due later, so a move in the market doesn't change what you owe in pounds. If you'd rather wait for a specific rate to appear before paying, a target-rate order transfers automatically the moment the market hits the level you've set. Managing this across lots of suppliers is its own discipline, and our currency risk management page goes into it properly.
What you get with Currencyflow
| Details | Currencyflow |
|---|---|
| Currencyflow exchange rate | Shown instantly |
| Margin | 0.25%-0.40%, depending on transfer size |
| Currencyflow payment transfer fees | None |
| Personal support | Phone, WhatsApp and email, including direct founder access |
| Future rate tools | Forward contracts and target rate orders |
| Coverage | 40+ currencies across 100+ countries |
| Safeguarding | Client funds held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951) |
Frequently asked questions

Written by
Freddie SmithFounder & CEO, Currencyflow
Freddie Smith is the Founder and CEO of Currencyflow, an international foreign exchange and payments specialist focused on high-value transfers for individuals and businesses worldwide. With over 12 years of commercial experience across financial services and digital media, including several years working with financial services comparison platforms, Freddie has spent his career at the intersection of partnerships, growth strategy, and money movement. He founded Currencyflow to bring transparent, fixed-margin pricing and personal relationship management to clients making significant international transfers.
Last updated 23 September 2026