Payer context
Know who sent funds from China, why they paid, and how the payment relates to your commercial records.
Receive money from China
Receive business payments from China with clearer allocation and control.
For businesses receiving international funds from China, the challenge is not only whether money arrives. Finance teams need payer context, references, invoice matching, payment purpose, allocation clarity, and records for reconciliation.
Built for businesses with £1M+ equivalent annual FX exposure and recurring international customer, supplier, or treasury payment flows.
Why control matters
Why receiving from China needs control
Reference matching
Match invoice numbers, customer references, expected amounts, and payment purpose before funds are allocated.
Currency and route context
Receiving route, currency, and banking path affect timing, deductions, and how funds appear in finance records.
Reconciliation record
Finance teams need a clearer trail from expected payment through receipt, allocation, FX, and onward payout.
Workflow
The receive-money workflow
01Expected payment contextBefore funds arrive, the business should know who is expected to pay, the amount, currency, reference, invoice, payment purpose, and intended next step where available.
02Funds received through an available routeFunds arrive through an available route depending on currency, jurisdiction, provider arrangement, approval status, and banking cut-off times.
03Payer/reference matchedIncoming funds are matched to payer context, reference, invoice, expected amount, customer record, or funding instruction where available.
04Allocation or FX decision preparedThe business can prepare the funds for FX, payout, holding, reconciliation, or internal treasury use depending on the payment purpose.
05Finance record maintainedPayer details, references, allocation status, payment evidence, and related records are kept clearer for finance and operational follow-up.
Timing factors
What can affect timing or availability
currencyrouteprovider arrangementjurisdictionsender bankreceiving bankcompliance or document reviewbanking cut-off timesholidays and time zonesaccuracy of payer/reference information
Fit
Where Unicorn Currencies fits
Unicorn Currencies is best suited to businesses with £1M+ equivalent annual FX exposure, recurring international payment flows, and a need for payer context, payment proof, reconciliation clarity, and human treasury support.
Not built for
Not built for
one-off personal transfersretail remittancedomestic-only bankingcasual wallet usageoccasional small FX conversions
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