Cross-border FX leak audit · Middle East

Pick your country.
Pick your volume.
See what you're losing.

Every cross-border payment you collect or send leaks money in 4 places nobody itemizes on your statement. Two fields. Five seconds. Your real annual loss.

1. Your country

Click the country you're incorporated in.

2. Annual cross-border volume

$500,000 per year

$50K $500K $5M $50M

USD collections, supplier payouts, anything crossing a border. Slide to your annual total.

Live · counting in real time

Your business loses

per year on cross-border payments alone

Per minute

$0.00

Per hour

$0.00

Per day

Per month

Leaked since you opened this page: $0.000

↓ Scroll: where exactly is the money going?

Where your money goes.

Your annual leak is the sum of 4 silent costs your PSP and bank never itemize. Here's each one, with your exact number.

Leak 1 · 40% of your total loss

The hidden FX margin

$0/yr

Your PSP or bank converts your USD/EUR collections into local currency at a rate worse than what Google shows you. The 2-3% spread between mid-market and what they actually use disappears into their margin. It's never on your invoice. It's never on the pricing page.

Mid-market rate (Google)1 USD = 3.67 AED

What your PSP gives you1 USD = 3.58 AED

Margin they keep2.5%

Leak 2 · 25% of your total loss

SWIFT & correspondent banks

$0/yr

Every international wire passes through 2-3 correspondent banks before reaching you. Each one takes $10-25. Your sending bank doesn't tell you which banks, or how much, until the money arrives short. On a typical $500K business, that's hundreds of wires per year.

Customer sends$1,000.00

↓

→ Sending bank fee-$15

→ Correspondent bank-$20

→ Receiving bank-$10

↓

You receive$955.00

Leak 3 · 20% of your total loss

International card surcharges

$0/yr

When a US customer pays you with a US Visa, your PSP adds a "cross-border" fee on top of the base rate. Stripe, Checkout.com, PayTabs, Tap — all of them. Usually +1.5%, sometimes more. Not on the pricing page header. Only in the fine print of the fee schedule.

Headline rate (domestic card)2.85%

+ International card+1.50%

+ Currency conversion+1.00%

Real all-in rate5.35%

Leak 4 · 15% of your total loss

The 5-day cash hold

$0/yr

Your PSP holds your money 3-5 working days before sending it to your bank. That's working capital that doesn't earn you anything. At your volume, that's tens of thousands of dollars sitting in their account at any given moment. Multiply by the cost of capital (~8%/year) and it adds up fast.

Daily volume$1,370

× 5-day hold$6,850 always held

× 8% cost of capital/yr= silent cost

The fix

One number. 3% all-in.
Every Middle East corridor.

No FX margin above interbank. No SWIFT correspondent fees. No 5-day cash hold. T+0 settlement to your AED, SAR, ILS, QAR, KWD, BHD, OMR, JOD or EGP account, or to USD/EUR. Stablecoin local-acquiring across UAE, KSA, Israel, Qatar, Bahrain, Kuwait, Oman, Jordan, Egypt.

You save per year

Inflowpay all-in

3.00%

Settlement

T+0

Book your demo.

Our Middle East team will walk you through your exact corridor setup, share the full line-by-line audit, and answer your integration questions. 30 min. Within 24h.

Pick your country.Pick your volume.See what you're losing.

Where your money goes.

The hidden FX margin

SWIFT & correspondent banks

International card surcharges

The 5-day cash hold

One number. 3% all-in.Every Middle East corridor.

Book your demo.

Pick your country.
Pick your volume.
See what you're losing.

One number. 3% all-in.
Every Middle East corridor.