IPAyments, your strategic partner in international payments
In today’s global economy, financial flows move across borders in seconds. Yet many companies continue to pay a high hidden cost for their international operations. Opaque bank fees, uncompetitive exchange rates, and settlement delays erode margins and complicate treasury management. At IPAyments – International Payments Advisory, we were founded with a clear purpose: to help businesses reduce the true cost of their international payments and protect profitability in an increasingly complex global environment.
Who we are
We are an independent financial advisory firm specialized in international payments and currency management. Our team combines expertise in global markets, strategic vision, and a strong network of alliances with leading banks and regulated PSPs. This allows us to provide clients with direct access to more competitive market conditions and a financial infrastructure tailored to their needs.
We are not a traditional bank or an intermediary. We are a strategic partner that accompanies companies every step of the way — from the initial diagnosis to the continuous optimization of their international payment flows.
The problems we solve
The challenge is not making international payments, but how they are made. Many companies assume hidden costs from multiple conversions, banking fees disguised in exchange spreads, or the lack of proper hedging strategies against FX volatility.
At IPAyments, we solve exactly that:
- Reducing the real cost of every international transfer.
- Ensuring same-day liquidity in major currencies.
- Eliminating opacity in banking commissions.
- Protecting margins against currency volatility.
The result is greater profitability, predictability, and control over international treasury.
How we do it
Our strength lies in the combination of technology, market access, and expert advisory.
- Direct access to leading FX markets, with highly competitive exchange rates.
- Multi-currency infrastructure with dedicated IBANs, avoiding unnecessary conversions.
- Real-time traceability through digital tools that track each payment from origin to destination.
- Specialized advisory that designs financial strategies tailored to each sector and company.
This hybrid approach — combining fintech innovation with the reliability of regulated financial institutions — allows us to deliver solutions far more efficient than traditional banking.
Our expertise
With offices in Madrid and Bucharest and over three years supporting companies across the EU and global markets, we have worked with SMEs, corporate groups, and multinationals in industries such as import/export, e-commerce, technology, and real estate.
Our commitment is clear: to provide independent advice, driven by data and focused on measurable results — cost savings, improved liquidity, and enhanced security in every transaction.
A trusted partner
At IPAyments, we understand that in international finance, trust is as important as profitability. That is why we operate exclusively with globally regulated financial partners and apply the highest compliance standards across jurisdictions.
Our true added value lies in delivering human-driven, expert advisory that transforms the complexity of international payments into a simple, secure, and transparent process.