For CFOs
Quantify the payment problem before choosing the provider.
FX margin, working capital timing, supplier proof, demurrage exposure, reconciliation effort: measure the operational cost, not only the transfer fee.
The pressure map4 FRONTS
CAPITALCASH LEAVES TOO EARLY
FXMARGIN HARD TO DEFEND
OPERATIONSDEMURRAGE · HOLDS · DELAYS
PROVIDERNO PROOF, NO OWNERSHIP
The four CFO problems
01
Working capital leaves too early
Cash leaving before supplier release, shipment timing, or operational need requires it.
Hidden cost of T+2 →02
FX margin cannot be explained
Rate, spread, converted amount, deductions, and final received value need a finance-ready answer.
Audit your bank's FX markup →03
Operations creates avoidable cost
Demurrage, detention, document holds, and delays become finance costs when payments disconnect from goods.
Demurrage and dead capital →04
Provider choice lacks a CFO lens
Final received amount, proof, reconciliation, review, and support ownership, not app features.
B2B FX platforms compared →Quantify it
Six numbers to put on one page.
AREAMEASUREWHY IT MATTERS
FX economicsRate, markup, converted amount, fees, deductions, final received value.The visible fee does not show total payment economics.
Working capital timingDays between funding, FX, payout, supplier release, and shipment movement.Cash leaving too early creates avoidable financing pressure.
Supplier payment proofReference, confirmation, route evidence, and supplier response time.Finance needs proof when suppliers ask where the money is.
Reconciliation effortTime spent matching invoices, references, beneficiaries, FX, and payouts.Manual reconciliation is a hidden operating cost.
Demurrage exposureContainer, storage, or release costs linked to payment timing.Payment timing creates logistics costs beyond the fee.
Provider support modelWho owns delayed, amended, recalled, traced, or short-paid payments.The support model matters when a payment turns urgent.
The briefing pack
Pull this data and the case writes itself.
Twelve months of payment history, read the CFO way.
Request a CFO briefing✓Last 12 months of FX transactions
✓Currency pairs and corridors
✓Rate achieved vs market reference
✓Fees, deductions, and final received amounts
✓Time from funding to supplier receipt
✓Delayed, reviewed, or short-paid cases
✓Demurrage, detention, or penalty events
✓Internal time spent reconciling and chasing