Institutional-grade FX, priced for operators, not retail. The more you move, the less you pay. Transparent interbank rates, tiered fees from 0.90% down to 0.09%, locked for 30 days the moment you qualify.
If you're moving six or seven figures a quarter, the 2-3% your bank is quietly clipping on the spread isn't a fee – it's a line item. Here's what it actually costs you:
Often quoted as “no fees” and invisible on the statement. On $1.5M per 90 days that's $90,000+ a year walking out the door, silently.
Most providers charge the same fee whether you move $10k or $10M. Loyalty and scale get zero reward. We flipped that model.
Every other provider resets tiers at month-end. One light month and your hard-won rate is gone. This is not how recurring businesses actually operate.
Cheap rates aren't enough if the model punishes you for normal business fluctuation. We redesigned the two things everyone else gets wrong.
Most providers cut your tier based on a single month. One slow month and you're back to square one. We use the average across 90 days, so temporary dips don't reset your rate.
Competitors reset at month-end. You qualify on the 15th and your discount dies in 15 days. We lock your rate for 30 full days from the moment you hit the tier, wherever it lands in the calendar.
Drag the slider to your typical 90-day FX volume. We'll show you your tier, your fee, and what you'd save over 12 months compared to a typical bank spread of 2.0%.
Our base fee is 0.90% on top of the live interbank mid-market rate (the same rate you'd see on Reuters or Bloomberg). Hit a new volume threshold in any trailing 90 days and your discount applies automatically.
| Tier | 90-day FX volume | Discount | Final fee | Lock duration |
|---|---|---|---|---|
| Starter | Up to $300K | 0% | 0.90% | Standard |
| Growth | $300K - $900K | 0.50% | 0.40% | 30 days from qualification |
| Scale | $900K - $6M | 0.60% | 0.30% | 30 days from qualification |
| Institutional | $6M+ | 0.81% | 0.09% | 30 days from qualification |
* Tier is set by trailing 90-day FX volume. Discount locks for 30 days from the moment you qualify, regardless of your trading volume in the days that follow. Tier upgrades apply automatically on the first trade that breaches the next threshold.
Comparisons based on what actually matters when you're moving recurring volume.
If your business moves money across borders every month, the 90-day window and the 30-day lock are designed for you.
Every basis point shaved off the FX fee flows straight to your take rate. If your volume wobbles month-to-month, the 90-day window means a seasonal dip doesn't reset your pricing.
Stop letting your bank harvest 2% off every conversion. Qualify once, keep the rate locked for 30 days, repeat the month after.
Predictable COGS. Better quote-to-cash. Your gross margin stops being a currency bet, even when sales are seasonal.
Institutional tier pricing from $6M per 90 days with multi-leg swap support, priority settlement, and the discount lock that protects you from volume variability.
Our old bank was clipping us for roughly $18,000 a month on FX. Moving to Payset on the Scale tier - with a rate that doesn't evaporate if we have one slow month - paid for a full finance hire in annualised savings. Easiest P&L decision I've made this year.
Send a redacted statement from the last 90 days - a CSV, a PDF, even a screenshot. We'll come back with a line-by-line breakdown of what you'd have paid on Payset and what your annualised saving looks like. No sales deck, no cold-call sequence.
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