Money Movement & FX - Turn payments into profit, not a cost center
Empower your platform with robust, high-speed payment infrastructure and dynamic foreign exchange (FX) capabilities. Offer your users real-time payments, mass payouts, and cost-efficient currency conversion via a single, powerful API.
Key Benefits at a Glance
Powerful features designed to simplify your workflow and boost results
Unified Payment Rails
Access local and international payment networks (SEPA, Faster Payments, ACH, SWIFT) through one centralized API, eliminating the need for multiple bank integrations
Smart Routing & Cost Efficiency
Our intelligent routing engine automatically selects the fastest, most cost-effective rail for every transaction, minimizing fees for you and your customers
Seamless Integration
Combine money movement, FX, and accounts in one cohesive infrastructure — no third-party fragmentation
New Monetization Opportunities
Generate revenue from transaction fees, FX spreads, and premium payment service offerings
Full Transaction Visibility
Track every payment in real-time, from initiation to settlement, with comprehensive webhooks and reporting tools
Transparent FX Rates
Offer competitive, real-time currency exchange rates with low fees, increasing user trust and adoption
Integrate Once, Connect to the Whole Ecosystem
Connect with trusted financial institutions and technology providers to scale your embedded finance offering across markets.
Leverage EmFi’s regulated partner network to ensure compliance and coverage across multiple regions and financial jurisdictions.
EmFi keeps all partner integrations updated, optimized, and compliant — automatically.
Secure by Design, Compliant by Default
Data integrity, regulatory compliance, and user trust — all guaranteed by EmFi's secure infrastructure.
Regular third-party security audits and penetration tests
Fine-grained permissioning for API keys and environments
Audit logging for every verification event
See the Impact: Key Metrics That Matter
FAQ
Do I need my own payment license?
No. EmFi partners with regulated payment institutions, so you can offer money movement and FX services under your brand.
Can I combine this with Accounts & Wallets?
Absolutely — Money Movement & FX integrates natively with EmFi Accounts & Wallets for unified ledger management and settlement.
How fast are transfers?
Domestic payments are near-instant, and international transfers typically settle within hours depending on the corridor.
What payment networks are supported?
EmFi connects you to major global and regional rails — including SEPA, SWIFT, Faster Payments, and ACH — depending on your market and customer needs.
Can I process recurring and subscription payments?
Yes. Our API supports both one-off and recurring scheduled payments, making it ideal for managing subscription billing and automated transfers.
What happens if a transfer fails?
Our system provides granular error codes and real-time notifications (webhooks) for failed transactions, allowing your application to automatically retry, refund, or notify the customer immediately, ensuring a superior user experience.
Does this product handle the reconciliation process?
Absolutely. All money movement activity is automatically logged and linked to your EmFi Accounts & Wallets ledger, simplifying compliance, bookkeeping, and reconciliation efforts.
What testing environments exist?
Full sandbox with simulated payment rails. Test all payment types, failure scenarios, and webhook flows without real money movement.
Let’s Build the Future of Finance Together
Connect, integrate, and deliver seamless financial experiences.
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