Spot FX
Execute same-day or near-term FX trades for time-sensitive payments. Lock in a live rate when you need to fund suppliers, accounts abroad or personal transfers.
Pay and get paid worldwide with FX flows, send and receive funds, and hold balances in multiple currencies — all in one place.
PayNovo works with regulated banking and EMI partners so you can move money globally with confidence, while staying compliant and in control.
Multi-currency accounts in your name, for the clients and markets you serve. Open named accounts, collect funds, hold balances and convert when it suits you.
Open local collection accounts in multiple currencies for your business or your individual clients. Use these accounts to receive payments, hold balances and fund outgoing payments or FX conversions.
Execute same-day or near-term FX trades for time-sensitive payments. Lock in a live rate when you need to fund suppliers, accounts abroad or personal transfers.
Fix today’s exchange rate for a future date to stabilise cashflow. Forwards help protect margins and give you certainty over what you will pay or receive.
Hold balances in multiple currencies, switch between them instantly, and design an FX strategy that fits your business model or personal needs.
Choose from dedicated solutions designed for corporate treasury teams and individual clients, and explore them by scrolling through the cards.
Run one-off international payments for invoices, suppliers or payroll, without the complexity of traditional bank processes.
Send moneyPay teams, partners and suppliers in multiple countries from a single place, with clear reporting and controls.
Bulk transferSecure a live FX rate and settle funds between existing accounts within hours, with full transparency on costs.
Exchange nowSet your target exchange rate and let PayNovo execute automatically when the market reaches your preferred level.
Set rateLock in today’s rate for future payments, so you can forecast costs and margins with confidence.
Lock rateUse FX options to protect against downside risk while keeping upside potential open for key currency exposures.
Protect rateBuy property abroad with transparent FX and payment flows, so you can focus on the home, not the rate.
Buy abroadSimplify education payments overseas with competitive rates, dependable timing and clear tracking.
Pay tuitionMove capital into global investment opportunities with low fees and reliable, transparent execution.
Invest globallyManage travel spending with flexible, accurate transfers that follow you wherever the journey leads.
Travel readySupport loved ones overseas with safe, repeatable transfers that arrive on time, every time.
Send supportReceive pension payments reliably across borders, with FX designed to protect your income in retirement.
Receive pensionPayNovo works with leading providers to deliver secure money movement and FX services.
Choose the platform (or service) that best matches your location and needs.
Please make sure you select the correct option, as services vary by option.
Alongside international payments and FX, PayNovo can help businesses explore corporate card programmes, virtual cards, expense cards, merchant acquiring, card acquiring, online payment processing and payment gateway options. These services can support supplier spend, team expenses, customer card acceptance, ecommerce payments and scalable merchant services.
Our approach is designed for businesses that want one guided route into global payments, multi-currency accounts, card solutions, payment processing and acquiring partner introductions.
