E-Commerce & Online Retail

FX built for
cross-border commerce.

FX and payments for online retailers, including the currencies your bank can't reach. Pay suppliers in any market, settle invoices, and stop losing margin to spreads on every order.

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Online retailer packing an order while managing cross-border payments
BaFin-licensed Zero hidden fees
50+ markets worldwide
Approved by BaFin
The hidden cost

Where online retailers
lose margin to FX.

Online retail runs on tight margins. Cross-border FX is one of the biggest invisible cost lines, and one of the easiest to fix.

Spreads on every supplier payment
1.5% to 2.5% extra on every USD, CNY, or BRL transfer to your supplier. Multiplied across hundreds of orders a year, this is your real bank fee.
PayPal & Stripe FX cuts
Up to 4% conversion fee on every cross-border sale. The buyer pays, but the margin disappears before it reaches you.
Markets your bank doesn't reach
Sourcing from Vietnam or Mexico? Selling into Brazil? Most German banks either refuse exotic-currency payments or charge spreads that erase your margin.
No way to fix the rate at quote time
Order Q4 inventory in May, watch the rate move 5% by October. Without execution-time rate locking, your peak-season margin is at the mercy of the spot market.
Wire delays at peak season
Suppliers hold your goods until payment lands. Bank wires take 2 to 3 days. By the time the order ships, you have already lost the launch window.
Reconciliation chaos
Supplier invoices in five currencies, payments routed across multiple banks. Your bookkeeper bills extra, every month.
What we do

FX and payments built
for online retail.

Wholesale FX pricing
Convert at competitive interbank exchange rates with a fair, transparent fee disclosed before the trade. No hidden costs, no spread games on every order.
50+ markets worldwide
Pay suppliers in BRL, MXN, INR, VND, THB, IDR, ZAR, TRY, AED, and more. Reach the markets your bank treats as too complicated.
Locked rate at execution
The rate you see in the quote is the rate that executes. No drift between confirmation and settlement. The recipient receives exactly the amount we agreed to.
Local payment rails, not SWIFT
Payments route through local express networks like SEPA and ACH rather than SWIFT correspondent banking. Lower cost, faster settlement, no hidden intermediary fees.
Built for

Built for the way online retailers
actually operate.

DTC brands
Bootstrapped or scaling, importing from Asia, selling EU and US. Need wholesale FX on USD and CNY, plus access to alt-sourcing markets like Vietnam and Mexico.
Marketplace sellers
Multi-marketplace operators paying suppliers globally. Need wholesale FX, bulk runs, and reliable settlement on every corridor.
Multi-channel retailers
Own webshop plus marketplaces, structured AP workflows. Need bulk payments and locked rates at execution.
The comparison

HansePay vs. your bank
vs. a fintech app.

The honest, line-by-line comparison most providers won't put on their website.

Feature House bank Fintech apps HansePay
FX margin 2.0% to 4.0%
Opaque / hidden		 0.4% to 1.0%
Standard retail		 0.20% to 0.75%
Transparently locked, disclosed before trade*
Settlement 1 to 3 business days
Slow SWIFT routing		 Same day
Capped for large volumes		 Minutes to hours
Local rails, no SWIFT dependency
Coverage Highly limited
Manual fees and delays		 Restricted
Local volume limits		 50+ markets worldwide
Including markets your bank won't touch
Payout certainty No
Intermediary bank cuts		 Conditional
Market volatility risks		 Locked rate guarantee
Exact recipient payout
Per-payment fee ~€38 per wire Varies / hidden €10

* Example margin range for major currency pairs at volumes above EUR 1 million. Exact rate disclosed before every trade.

Global reach

50+ markets, one platform.

Reach the Americas, Africa, the Middle East, Asia & Pacific, and Europe, including markets most banks refuse to quote on.

🇺🇸USD
🇬🇧GBP
🇯🇵JPY
🇨🇦CAD
🇦🇺AUD
🇸🇬SGD
🇭🇰HKD
🇧🇷BRL
🇲🇽MXN
🇨🇴COP
🇨🇱CLP
🇵🇪PEN
🇦🇷ARS
🇿🇦ZAR
🇳🇬NGN
🇰🇪KES
🇬🇭GHS
🇪🇬EGP
🇲🇦MAD
🇦🇪AED
🇸🇦SAR
🇶🇦QAR
🇮🇱ILS
🇹🇷TRY
🇨🇳CNY
🇮🇳INR
🇰🇷KRW
🇲🇾MYR
🇹🇭THB
🇮🇩IDR
🇵🇭PHP
🇻🇳VND
🇵🇰PKR
🇧🇩BDT
+11 more
What could you save

Estimate your annual saving, in 30 seconds.

Set your annual FX volume and your current provider. We calculate the estimated annual saving with HansePay.

Annual FX volume1.000.000 €
€100k€50M
Currency category
Current provider type
Your current annual FX cost 25.000 €
With HansePay 3.000 €
Annual saving 22.000 €
Full calculator with breakdown →

Estimate only. Exact saving depends on your transaction history.

FAQ

Questions online retailers
ask us first.

Can I pay suppliers in their local currency?
Yes. Sending base currency is EUR. We pay out into the local currency (or USD where commonly used locally) across 50+ markets worldwide, including most emerging markets.
Do you support payments in BRL, MXN, INR, VND, or other emerging-market currencies?
Yes. All four of those currencies are supported, along with 40+ others across emerging markets in Asia, Africa, the Middle East, and Latin America. Settlement happens through local payment networks, not SWIFT correspondent banking, which is why we can reach corridors most banks refuse.
How do I pay Chinese suppliers in CNY without massive wire fees?
We settle CNY payments via local payment rails, not SWIFT. There is no lifting fee, no correspondent bank cut, and no surprise margin on the receiving end. The amount your supplier sees matches the amount in the quote.
What's the minimum volume to work with HansePay?
No fixed minimum. HansePay works with companies trading anywhere from a few thousand euros a year to several hundred million. The only thing that changes is which products make sense for your flow.
Can I lock the rate at execution?
Yes. The exchange rate is locked at the moment of trade execution. The rate shown in the quote is the rate that executes. No slippage between quote and settlement, and no future-dated locking.
How does this work with my accountant?
Transactions export in standard formats your accounting team already uses. Read-only access for your bookkeeper or accountant is available on request through your account administrator. Talk to our specialist about specific audit-trail requirements.

Ready to stop losing margin
to hidden FX costs?

Join businesses already paying suppliers at wholesale FX rates. No hidden fees, no bank spreads, no surprises.

Open an account Talk to a dealer