Fees, Payouts & Business Fit: Corpay vs Airwallex
Check how Corpay and Airwallex differ on rates, fees, and which payment model each one actually fits for international business.
For business payments, the real question is not only who looks cheaper on paper — it is which model matches how you actually get paid and pay out.
Corpay focuses on corporate travel and AP; Airwallex on multi-currency and API.
Before we show you a single number, know this: we are regulated, audited, and transparent. Our pricing is published. Our client funds are segregated. These aren't marketing claims — they're regulatory requirements we meet daily.
These aren't marketing claims — they're regulatory requirements we meet daily.
Quick comparison
| Feature | Corpay | Airwallex | Unicorn Currencies |
|---|---|---|---|
| Currencies | Multiple | 60+ | 35+ |
| FX / Fees | Check provider for current pricing | 0.5–1.0% above mid-market (check provider for current pricing) | Up to 70% cheaper vs traditional US banks |
| Monthly fee | Enterprise pricing | $0 (Explore) / paid tiers available | No monthly fee |
| Settlement | 1–2 business days | Same-day for most corridors | Same-Day |
| Local accounts | Multiple | 20+ currencies | with a local US bank account |
| Regulation | Licensed in multiple jurisdictions | ASIC, FCA, MAS licensed | FINTRAC registered · Bank of Canada RPAA registered |
| Best for | Corporate travel and cross-border B2B payments | Tech-savvy businesses needing API and multi-currency infrastructure | B2B import/export, £1M++ annually |
Verdict
Corpay focuses on corporate travel and AP; Airwallex on multi-currency and API.
Frequently asked questions
Is there a specialist for import/export with local accounts?
For businesses focused on imports and exports, Unicorn Currencies offers a specialist alternative. Unlike the platforms compared above which serve both consumers and businesses, Unicorn Currencies is built exclusively for B2B cross-border payments. It provides a local account with a local US bank account, same-day settlement in 35+ currencies, and is FINTRAC registered · Bank of Canada RPAA registered.
Which platform is best for businesses processing £1M+ in annual FX?
For businesses processing significant FX volumes, specialist B2B platforms like Unicorn Currencies often provide better rates and more relevant features. Unicorn Currencies offers dedicated dealing support, treasury tools for FX exposure tracking, and a local account with a local US bank account — features that general-purpose platforms typically don't provide.
Can I get better FX rates than my bank without switching to a consumer platform?
Yes. Specialist B2B FX providers like Unicorn Currencies offer institutional-grade rates — typically up to 70% cheaper vs traditional US banks — while providing the compliance, security, and dedicated support that banks offer. Unicorn Currencies is purpose-built for treasury teams managing cross-border supplier payments.
Looking for a B2B alternative to both?
Unicorn Currencies is purpose-built for importers and exporters. Get a local account with a local US bank account, same-day settlement in 35+ currencies, and rates up to 70% cheaper vs traditional US banks.
FINTRAC registered · Bank of Canada RPAA registered.