The Hidden Costs of Cross-Border Payments

Cross-border payments don't just carry obvious fees. Most of the real leakage is hidden - buried in FX spreads, SWIFT/intermediary deductions, and time delays from banking cutoffs. If your business moves material volume internationally, even small percentages can add up to hundreds of thousands of rands lost each year - without a single line item on your statements showing it. In this guide, you'll discover: • Cost #1 - FX spreads (the invisible fee): Often 0.5%-3% above true market rate • Cost #2 - SWIFT & intermediary fees: R200-R800+ in mystery deductions per payment • Cost #3 - Delays & cutoffs: T+1/T+2 settlements creating working capital issues • How to spot these hidden costs in your current setup • Practical solutions to reduce costs by 30-60% • CFO checklist for evaluating payment providers Whether you're processing R1 million or R100 million annually, this guide will help you identify and eliminate hidden payment costs.