Fixed FX markup
A fixed FX markup can be agreed with treasury before recurring payment activity begins, so the business understands the FX margin applied to its payment flow.
Pricing
Fixed FX markup, agreed before the first payment.
Unicorn Currencies pricing is agreed with treasury based on annual FX exposure, currencies, corridors, and payment workflow. The aim is to give businesses clearer FX economics before recurring international payments become a finance problem.
Best suited to businesses with $1M+ equivalent annual FX exposure and recurring supplier, customer, or treasury payment flows.
How pricing works
Volume-based conversation
Pricing is reviewed against expected annual FX exposure, payment frequency, currencies, corridors, transaction values, and operational requirements.
Route-aware pricing
Some payment routes, currencies, jurisdictions, intermediary deductions, or beneficiary bank charges may affect the final payment economics.
Final received amount
The right comparison is not only the quoted rate. Finance teams should compare the converted amount, fees, deductions, timing, and payment evidence.
What affects your pricing
- Annual FX exposure
- Currency pairs
- Payment corridors
- Transaction frequency
- Average transaction value
- Pay-in and pay-out route requirements
- Supplier/customer countries
- Payment timing and cut-off requirements
- Compliance or document-review requirements
- Operational support needs
- Payment proof and reconciliation requirements
Two businesses can have the same annual volume but different pricing requirements if their currencies, routes, payment sizes, counterparties, and operational needs are different.
What the service model is designed to support
FX visibility
Reviewing currency pair, rate, converted amount, payment purpose, and expected received value before conversion.
Payment workflow support
Connecting pay-in, FX, pay-out, references, invoices, beneficiaries, and payment status into a clearer operating flow.
Payment proof and records
Supporting supplier and finance conversations with payment references, evidence, and records where available.
Human treasury support
Treasury follow-up where payment timing, review, amendment, recall, trace, or short-paid issues require human ownership.
What may vary by route
International payments can involve different banks, payment routes, providers, jurisdictions, cut-off times, and beneficiary-bank processes. Pricing and availability should therefore be reviewed in the context of the payment flow.
- Local or international route availability
- Intermediary bank deductions
- Beneficiary bank charges
- Currency pair availability
- Payment cut-off times
- Payment proof or tracking availability
- Compliance or document review
- Jurisdiction and provider approval
- Account or collection-route availability
Pricing clarity vs headline fee
Headline fee only
- Looks at one visible charge
- May ignore FX spread or markup
- May not show deductions
- May not explain the final received amount
- May not include operational support or evidence
Pricing clarity
- Reviews rate, markup, converted amount, and expected received value
- Considers route-specific costs and deductions
- Connects FX to the supplier or customer payment
- Supports finance records and supplier conversations
- Helps compare the full payment economics
When this pricing model is the right fit
- Businesses with $1M+ equivalent annual FX exposure
- Importers paying overseas suppliers
- Exporters receiving international customer payments
- Finance teams managing recurring currency exposure
- Businesses with repeat corridors, invoices, beneficiaries, or payment deadlines
- B2B operators that need FX visibility, payment proof, reconciliation clarity, and human treasury support
Unicorn Currencies is not built for one-off personal FX, retail remittance, domestic-only banking, speculative trading, or occasional small conversions.
What businesses should prepare for a pricing conversation
- Estimated annual FX exposure
- Currency pairs
- Expected monthly transaction volume
- Average payment size
- Main supplier/customer countries
- Typical payment purpose
- Pay-in and pay-out route needs
- Current provider or bank pricing if available
- Examples of recent transactions
- Any known issues with deductions, delays, proof, or reconciliation