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CROSS-BORDER TRADE PAYMENTS · MX · US · CN

Pay suppliers. Collect from customers. In minutes, not days.

Supplier payments and collections between Mexico, the United States and China, at a rate you approve before the payment leaves.

Talk to sales See what your supplier receives
PAYMENT · PMT-4193
SENT
YOU FUNDED
183,200.00 MXN
SPREAD
34 BPS
SUPPLIER RECEIVES
9,965.20 USD
Precision Components Ltd. · reference INV-20418
INSTRUCTED
14:02:11
ROUTED
14:02:38
CONVERTED
14:04:20
DELIVERED
14:05:47
Licensed
Mexican money transmitter licence
3
Markets live: Mexico, the United States, China
3 – 6 min
Typical time from instruction to delivery
34 – 46 bps
Spread, quoted before you approve
01 — CORRIDORS

Three markets, understood in detail.

Select a direction to see how it funds, what settles, and where the corridor stops.

MX US
3 – 5 MIN
Mexico to the United States
FUNDING
Funded in MXN from your own entity
SETTLES
USD at the destination your supplier nominates
SUPPLIER NEEDS
Destination details and an invoice reference
Delivery of USD to the destination nominated by your counterparty. No stored value at any stage.
US MX
3 – 5 MIN
The United States to Mexico
FUNDING
Funded in USD
SETTLES
MXN to the destination your supplier nominates
SUPPLIER NEEDS
Destination details and an invoice reference
Delivery of MXN to the destination nominated by your counterparty. No stored value at any stage.
MX CN
4 – 6 MIN
Mexico and the US toward China
FUNDING
Funded in MXN or USD
SETTLES
USD to the destination your supplier nominates
SUPPLIER NEEDS
Destination details, invoice and purchase order reference
Payments toward China settle in dollars. sendeFX does not convert to CNY and does not deliver inside China.
MX · MXN FUNDING · DOMESTIC TRANSFER RAILS US · USD FUNDING · ACH AND WIRE CN · USD DELIVERY · NO CNY CONVERSION
02 — JOBS

What do you need to do this week?

PAY
Pay a supplier
Send a payment funded in MXN or USD, at a spread you approve before it leaves.
COLLECT
Collect from a customer
Give each customer a reference and match what arrives to the invoice it belongs to.
CONVERT
Convert currency
Quote the conversion in basis points before you commit to it.
RECONCILE
Close the month
Export one row per payment, with references, states and timestamps.
03 — WHAT IT COSTS

See what your supplier receives.

Pick a direction and an amount below. We publish the spread. A wire does not.

INDICATIVE · DEMO DATA
YOU SEND
MXN
200,000
50,0001,000,000
SUPPLIER RECEIVES
Get this rate
04 — DASHBOARD

Every payment, in one place.

Instruct payments, follow their state, quote conversions and export records. No spreadsheet in the middle.

DATE
DIRECTION
COUNTERPARTY
FUNDED
DELIVERED
SPREAD
STATE
28 AUG
MX / US
Precision Components Ltd.
183,200.00 MXN
9,965.20 USD
34
COMPLETED
27 AUG
US / MX
Herrajes del Norte SA
12,400.00 USD
226,401.00 MXN
34
COMPLETED
26 AUG
MX / CN
Guangdong Tooling Co.
274,800.00 MXN
14,930.10 USD
46
COMPLETED
26 AUG
MX / US
Baker Freight Services
91,600.00 MXN
4,982.60 USD
34
COMPLETED
25 AUG
US / CN
Shenzhen Assembly Ltd.
8,750.00 USD
8,713.25 USD
42
SENT
25 AUG
US / MX
Textiles Bajío SA
6,120.00 USD
111,742.00 MXN
34
COMPLETED
05 — HOW A PAYMENT WORKS

Four steps, one of which is FX.

01
YOU
You instruct the payment
Amount, direction and destination. The spread is quoted before you approve.
02
ROUTING
Funds are routed out
Received and routed immediately. Nothing waits for a cut-off hour.
03
IN TRANSIT
FX converts in transit
Conversion happens while the payment is moving, at the spread you approved.
04
DELIVERY
Delivery is confirmed
Funds land at the destination you specified and the record closes with a timestamp.
06 — AGAINST A TRADITIONAL WIRE

Same payment. Different clock.

Based on a 10,000 USD supplier payment sent on a Friday afternoon.

TRADITIONAL WIRE
Time to delivery
2 – 5 business days
All-in cost on 10,000 USD
~180 – 320 USD
When FX is priced
Applied after the fact
Visibility in transit
Opaque until credited
Cut-off times
Business hours, local calendars
SENDEFX
Time to delivery
3 – 6 minutes
All-in cost on 10,000 USD
~34 USD at 34 bps
When FX is priced
Quoted before you approve
Visibility in transit
Traceable, state by state
Cut-off times
None
FIGURES ARE ILLUSTRATIVE PLACEHOLDERS PENDING FINAL PRICING.
07 — WHY SENDEFX

Generalists connect countries. We know the corridor.

We operate in three markets, not two hundred
Funding, settlement, counterparty requirements and support hours are built for Mexico, the United States and China specifically.
Your rate is agreed before the payment leaves
The spread is quoted in basis points and does not change in transit. The figure you approved is the figure that arrives.
One record per payment
References, states and timestamps, exportable whenever your controller asks for them.
08 — COMPLIANCE AND SECURITY

Regulated, screened, monitored.

Rigorous compliance is not overhead. It is the difference between a licensed operator and a broker.

COMPLIANCE
KYB onboarding
AML/CFT programme
Sanctions and PEP screening
Beneficial ownership verification
Transaction monitoring
SECURITY
Encryption in transit and at rest
Role-based access control
Continuous monitoring
Independent review
09 — DEVELOPERS

One request per payment.

Quote, instruct and track a payment over REST. Webhooks report every state change until delivery is confirmed.

Read the API reference Request sandbox access
POST /v1/payments201 CREATED 
{
  "direction": "MX_US",
  "funding_currency": "MXN",
  "funding_amount": "183200.00",
  "quote_id": "qt_8f31c0",
  "spread_bps": 34,
  "counterparty": {
    "name": "Precision Components Ltd.",
    "reference": "INV-20418"
  },
  "state": "routing",
  "expected_delivery": "2026-08-28T19:05:47Z"
}

Questions we are asked on every first call.

How is the rate set?

You are quoted a spread in basis points before you approve the payment. That spread is what settles. Nothing is applied after the fact.

What happens if a payment fails?

It is returned in full, you are told why, and someone in your time zone contacts you the same day.

Do you convert to CNY?

No. Payments toward China settle in dollars to the destination your supplier nominates. We do not convert to CNY and we do not deliver inside China.

How long does onboarding take?

KYB verification first, then a few days for most mid-market companies.

What ticket sizes do you handle?

Recurring payments between 5,000 and 15,000 dollars are the core case. Larger amounts are reviewed individually.

Can we use this by API?

Yes. The same directions are available over REST, with webhooks and a sandbox.

Tell us where your payments go.

Send the direction, the monthly volume and a contact. We reply within one business day.