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FinFlo Payments

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Your partner for perfectly personalised and practical forex solutions

FinFlo in action

An innovative approach to foreign exchange

With FinFlo, you get so much more than traditional FX solutions. Powered by cutting-edge technology, our enhanced digital payment platform – combined with our unique insight and expertise – gives you access to a seamless, secure and comprehensive suite of products. At the heart of everything we do is our commitment to providing hassle-free financial management, along with security of your funds.

Our payment and FX solutions

Named Bank Accounts

Named bank accounts allow faster payments processing, zero transaction fees, enhanced tracking and visibility of your funds and improved security.

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With our agile approach, industry leading technology and regulated partners, all clients have immediate and cost-free access to currency accounts in their own business or personal name – set-up and located in the region of your choice. Expand your reach, with no corporate presence needed to collect payments locally. Making and receiving payments has never been simpler. Named bank accounts allow faster payments processing, zero transaction fees, enhanced tracking and visibility of your funds and improved security. Giving you the international presence your business needs to dominate your industry.

Multi-Currency IBAN

Be one step ahead… the multi-currency IBAN removes the risk of being paid the wrong currency into the wrong bank account.

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One set of unique bank credentials that allows you to receive multiple currencies. What’s not to love? Be one step ahead… the multi-currency IBAN removes the risk of being paid the wrong currency into the wrong bank account. We understand mistakes can happen, but we’re here to limit the damage done. You are now in full control of your currency. Our regulated partners allow you to hold the funds in currency accounts, allowing you to dictate when the currency swap is done. You can now take advantage of currency movements and not have to convert back as soon as you’re paid. Increased efficiency, improved cash flow, simplified accounting and visibility and putting the power back into your hands when you convert.

Mass-Pay

Reduce costs and save time through technology and automation

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Do you pay several suppliers or staff each month? Waste time keying up payments individually? We have the solution for you: our mass pay feature allows you to make multiple international payments seamlessly and simultaneously at the click of one button. Complete a secure spreadsheet, upload and make one singular payment to us, then allow the technology and automation to work for you.

Pay up to 1000 suppliers or staff members with the click of the button – the perfect tool for regular international payments. Mass pay is cost effective, customisable, and of course secure. A convenient way to manage multiple payments to different recipients.

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Do you pay several suppliers or staff each month? Waste time keying up payments individually? We have the solution for you: our mass pay feature allows you to make multiple international payments seamlessly and simultaneously at the click of one button. Complete a secure spreadsheet, upload and make one singular payment to us, then allow the technology and automation to work for you.

Pay up to 1000 suppliers or staff members with the click of the button – the perfect tool for regular international payments. Mass pay is cost effective, customisable, and of course secure. A convenient way to manage multiple payments to different recipients.

Online Platform

Our award-winning online platform offers market leading technology and security, giving you full access to your funds 24/7.

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Our award-winning online platform offers market leading technology and security, giving you full access to your funds 24/7. Whether you’re making a payment, checking balances and incoming funds, or completing a trade and paying a supplier… our platform has you covered. Two-factor authentication (2FA) is an electronic authentication method in which a user is granted access only after two separate, distinct forms of identification are provided. A traditional password and then a second, which can include a code received on a text message or a unique code generated by a multi-authentication app.

FX Forward Contracts

Mitigate against currency fluctuations by using a forward contract: a fixed agreement to buy or sell currency for a future date with a predetermined price.

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Mitigate against currency fluctuations by using a forward contract: a fixed agreement to buy or sell currency for a future date with a predetermined price. Secure today’s exchange rate for up to a year, providing you with full flexibility, price certainty and risk management with improved planning giving you the competitive edge over your competitors. Dependent on your financials and the partner, we can offer initial forward contract deposits as low as 0%. Forward contracts allow you to manage risk and reduce costs by locking in your profit. We remove the uncertainty, understanding that all clients work on different payment terms and with different profit margins. We understand how currency movements affect business bottom line and margin, and are here to offer absolutely bespoke and tailored hedging solutions to help you maximise profit and reduce risk.

Everything You Need, Right Here

With all you could need on one place, you get consistency of service and a provider who truly understands your business, trade activity and attitude to risk.

FX Market Orders

Use a market order or stop loss to effectively target a price that’s currently better than where the market is trading.

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Use a market order or stop loss to effectively target a price that’s currently better than where the market is trading. Have a specific cost price? Or can’t afford to let the market to drop below a certain level? Then this is the perfect tool for you. A market order stays live 24/7 until your targeted rate is hit – particularly useful in volatile markets or out of office hours. You’ll be notified as soon as your market order is live, and again when the market order has been filled. You only settle the trade once the currency has been purchased, and not before.

FX Market Analysis

Your dedicated FX broker combined with your online platform provides personalised support at every step.

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With FinFlo, you’re never on your own. Your dedicated FX broker combined with your online platform provides personalised support at every step. We’ll update you on significant market news and movements to avoid any unforeseen fluctuations in the rates, assist with valuable market knowledge, forecasts, and strategy… even helping you input payment details and more. Personalised, bespoke and experienced and here for you.

FX Spot Trading

With our agile approach, market perspective and regulated partners, we can help you harness the benefits of spot trading.

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With our agile approach, market perspective and regulated partners, we can help you harness the benefits of spot trading. Lock in today’s exchange rate, but with the flexibility of settling and paying out the trade same day – or up to two days after. The perfect FX solution for currency swaps and payments that need making swiftly.

Security

  • 2FA protected client portal
  • Hand picked regulated partners
  • Secure segregated and ring-fenced accounts
  • 10+ years’ experience in FX solutions

The Process

1. Sign-up

Signing up for your free account holds no obligation to trade and is super quick and easy. It’ll be set-up and ready to use typically within 12-24 hours, depending on whether you’re a private or corporate client. Registration can be done online via our website, or through email/PDFs – and our team are always on hand if you need any help. we need to get into here it takes just a minute or two to complete the rig link if possible.

2. Introductory call

Now it’s time to get to know you/your business and your requirements. We’ll arrange a phone call between you and one of our experts, to explore the best way to tailor our products and services to suit your unique, individual requirements. Ask us anything you like, and we promise an honest answer. From margin, to costs and solutions, we understand that transparency is key to building long-lasting relationships.

3. Book your currency

You can access a live quote 24/5 via your online account, or by phone or email if preferred. On acceptance, your rate is secured – regardless of what happens in the market. All transactions are confirmed via trade note, which will be automatically issued as soon as you’ve booked your currency.

4. Settle up!

Now your currency is booked, you’ll need to confirm the beneficiary bank details. Again, this can be done via your online portal or can be completed via email. Your dedicated broker will make sure the payment is keyed up correctly and ready to send. You just need to settle the trade now. Your funds will be sent into a unique ring-fenced bank account in your own name to offer maximum security and adhere to the FCA requirements. All beneficiary details will be securely stored on your FinFlo account to speed future payments.

5. Forward payment

Now that your funds have been sent and received and the beneficiary confirmed, we’ll now forward the currency you’ve bought directly to your recipient. You can choose to send via SWIFT or SEPA payment types, and can opt to have the transaction made immediately, or even nominate a specified future transaction date if you prefer. There are no wirings or handling costs: FinFlo will cover transaction fees. You pay for the currency and nothing else.

6. Analyse, adapt

Our job is to continually improve your FX transaction experience, so we stay on top of your needs by analysing recent trades, assessing margins, and identifying ways to reduce it and mitigate risk. We’ll look at your objectives, attitude to risk and potential product and partner solutions that could be beneficial to you.

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Marketing Director
Fintech

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Marketing Director
Startup

Transaction Insights

Transacted over

Over $0bn

in the last 12 months.

Capabilities in

0+

currencies

Fully regulated in

0

countries

We process over

$0bn

a month on behalf of clients

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© 2026 FinFlo Payments Ltd

Payment and e-money services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199)

Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

Finflo Payments Ltd is a company registered in United Kingdom (Registered No. 14634647). Registered address: 78 Tollington Road, London

Finflo Payments Ltd Programme Manager Name]’s Payment and Foreign Currency Exchange Services are provided by Ebury Partners UK Limited.

Finflo Payments Ltd is partnered with Ebury Partners UK Limited as a Programme Manager.

Ebury Partners UK Limited (EPUK) is an Authorised Electronic Money Institution and is a licensed entity that is permitted to offer spots and forwards for commercial purposes of facilitating payment for identifiable goods or services and direct investments, as per the applicable Markets in Financial Instruments Directive II (MiFID) exemption. Regulated investment products, as defined in MiFID II, fall out of the scope of this license and are not permitted to be traded under EPUK.

Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797).

Ebury Partners UK Limited is registered with the Information Commissioner’s Office, with registration number: ZA345828.

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