Stop Losing Margins on Cross-Border
Accounts Payable.
Pay suppliers at 1.0–1.5% with $0 FX markup. Unused cash earns up to 2.75% a year.Aureon Capital combines an AI powered payment optimization engine with institutional global clearing rails to lower the cost, increase the speed with better transparency of B2B cross border payments. Enjoy rates as low as 1% while earning up to 2.75% in rewards to help drive your overall payments related costs down.
Calculate your corridor
Edit either amount — the other updates at mid-market with $0 FX markup.
1 USD = 0.9200 EUR · €92,000 invoiced
US dollar · used mostly in the United StatesUSDSmart FX · 1.25% send fee · 2.25% a year on balances
- Show details for You save (bank minus Aureon)Typical bank cost minus Aureon price. Shown as a range because bank all-in cost is a range, not a single rate.
- $30,162–$48,162
Sending fee
Return on unused balances
Money arrives
Supplier software
What changes when you leave the wire desk
| Metric | Bank wire | Aureon |
|---|---|---|
| All-In Execution FeeThe all-in cost on top of what the supplier should receive. Traditional banks often hide it in a less favorable exchange rate plus wire fees. | 3.5% – 5.0% (hidden markups + wire fees) | 1.0% – 1.5% (volume-based tiered pricing) |
| Operating Cash YieldCash sitting in your Aureon funding account can earn an annual yield reward, similar to interest, which can offset sending fees. | 0.00% (idle balances earn zero) | 1.75% – 2.75% APY yield rewards |
| Net Transaction CostSending fees minus yield earned on unused balances. More unused cash usually means a lower net cost. | High margin loss (3.5%–5% P&L drain) | Net-zero or net-positive (yield offsets fees) |
| Settlement VelocityHow long until the supplier's bank credits the funds. | 2 – 5 business days | Under 30 minutes (24/7/365 clearance) |
| Execution TimingExchange rates move. Sending at a better time can cut cost or put more in the supplier's account. | Blind execution (paid reactively on due dates) | AI timing intelligence (optimized spot execution) |
| Reconciliation EffortTying each payment back to an invoice so the books stay clean. | Manual CSV exports / keying errors | 100% automated ERP write-back |
How it works
- 1Analyze your invoice
- 2Optimize payment timing
- 3Approve and pay
- 4Frictionless payments
- 5Transparency every step of the way
5-Step Treasury Optimization
Analyze your invoice
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Link your accounting software or drag-and-drop an invoice in minutes. We auto-detect foreign bills so you can settle without legacy bank markup.
Optimize payment timing
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Aureon's decision engine analyzes currency markets, vendor terms, and your invoice data to recommend when to pay to optimize cashflow.
Approve and pay
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Approve payments in a single click and fund securely using domestic transfers like ACH or FedWire.
Frictionless payments
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Pay international suppliers in their local currency—delivered straight to their bank account through our institutional grade clearing network.
Transparency every step of the way
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Confirmed transfers auto-sync to your general ledger while idle balances earn rewards—giving you complete payment visibility.
Rewarding intelligent payments
Transparent tiered rates
Volume-based pricing from 1.0% up to 1.5%, disclosed before you send.
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Transparent tiered rates
Send $40,000 in a month and you stay on Essential at 1.50%. Cross $50,000 and Smart FX drops the rate to 1.25%. At $250,000, Treasury Lite is 1.00%. The fee is on the quote before you approve, not buried in a worse FX rate.
Balance yield rewards
Earn up to 2.75% APY on retained funding balances to offset software and execution expenses.
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Balance yield rewards
A Smart FX team that keeps a $60,000 operating buffer earns 2.25% APY, about $1,350 a year. That yield applies against the 1.25% send fee and the $149 monthly subscription, so net cost is lower than the headline rate.
Under 30 minute settlement
Funds route through our high-speed global clearing network into the supplier's commercial bank account.
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Under 30 minute settlement
Approve a USD payment at 4:10 p.m. on a Friday. The supplier's commercial bank can credit local currency the same afternoon, instead of a 2 to 5 business day wire that sits until Monday or Tuesday.
Zero vendor onboarding
Overseas suppliers receive a standard local bank deposit. They do not register, set up software, or pay a receiving fee.
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Zero vendor onboarding
Your factory in Ho Chi Minh City does not create an Aureon login or install an app. They get a standard local bank deposit, the same way they receive any other customer payment, with no receiving fee.
Plans
Trial
Under $2,000 sent per month · 1.50% · 1.00% a year
Free
Essential
$2,000 – $50,000 / mo · 1.50% · 1.75% a year
$49/ mo
Smart FX
$50,000 – $250,000 / mo · 1.25% · 2.25% a year
$149/ mo
Treasury Lite
$250,000+ / mo · 1.00% · 2.75% a year
$499/ mo
Volume down, yield up
| Compare plans | Trial Free Payments and CSV uploads. No ERP bookkeeping. | Essential $49/ mo Emerging importers initiating foreign AP. | Smart FX $149/ mo Mid-market teams with recurring foreign invoices. | Treasury Lite $499/ mo Multi-entity enterprises managing global trade. |
|---|---|---|---|---|
| Monthly subscription | Free | $49 | $149 | $499 |
| Monthly volume band | Under $2,000 | $2,000 – $50,000 | $50,000 – $250,000 | $250,000+ |
| Transaction fee | 1.50% | 1.50% | 1.25% | 1.00% |
| Balance yield reward | 1.00% APY | 1.75% APY | 2.25% APY | 2.75% APY |
| Fee shown before you send | ||||
| Direct send (no ERP required) | ||||
| CSV payment uploads | ||||
| AI Treasury Advisor | ||||
| Invoice loading using AI | ||||
| AI payment timing | ||||
| ERP connectors (NetSuite, QuickBooks, Xero) | ||||
| ERP bookkeeping / GL write-back | ||||
| Priority support | ||||
| Dedicated account manager |
Compare Aureon with other payout platforms in the competitor table.
Worked example at $100k / month
A Smart FX client processes $100,000/month ($1.2M/year) in supplier invoices and maintains an average operating buffer of $60,000.
- Gross transaction fees (1.25%)
- $15,000 / year
- Annual SaaS subscription ($149/mo)
- $1,788 / year
- Balance yield earned (2.25% a year on $60k)
- ($1,350) / year
- Aureon price
- $15,438
Saves over $38,500 annually compared to traditional 4.5% bank FX fees.