Global Payment Revolution: PhotonPay Leads the Way in Business Payments

I. Three Core Pain Points of Global Business Payments

1. Hidden Costs Eating into Profits Traditional wire transfers incur average fees of 3%-5%, combined with exchange rate losses, significantly compressing the profit margins of high-frequency transaction businesses such as cross-border e-commerce and SaaS service providers.
2. Low Efficiency in Fund Turnover Settlement cycles averaging 3-5 business days create cash flow management pressures for businesses, particularly affecting the operational flexibility of small and medium-sized enterprises (SMEs).
3. Rising Compliance Risks The varying anti-money laundering regulations and tax reporting requirements across different countries have led to a 30% annual increase in cross-border payment compliance costs (according to World Bank data).

II. PhotonPay's Payouts Product

Low-Cost International Payments

• Global Reach: Supports over 60 major currencies, covering more than 180 countries and regions, with the fastest T0 settlement. PhotonPay ensures efficient and secure payments to global service providers by intelligently selecting the most cost-effective payment routes.
• Competitive Exchange Rates: Regardless of transaction size, businesses can enjoy market-competitive exchange rates and avoid hidden transaction fees, significantly reducing overall operating costs.
• Multi-Layer Protection: Each payment is secured with multi-factor authentication, providing multiple layers of protection to ensure transaction security.

Efficient Batch Payments

• Enhanced Fund Efficiency: Complete hundreds of payment requests in one go, with each payment individually configurable, eliminating the cumbersome process of traditional single payments.
• Multi-Scenario Coverage: Breakthrough support for direct payments to personal bank accounts (limited to business scenarios), fully matching the payment needs of businesses in various global scenarios.
• Automated Reconciliation: Supports automated generation of reconciliation statements and automatic updating of transaction statuses, comprehensively enhancing fund management efficiency.

Account-to-Account Payments

• Reduced Forex Losses: Supports same-currency settlements, eliminating the need for high currency conversion fees, enabling seamless fund flow between PhotonPay multi-currency accounts.
• Simplified Global Payments: Instant payments at optimal costs, easily reaching other users within the PhotonPay network globally.

PhotonPay Card Payments

• One-Stop Management: Online self-service card issuance, rich card segments, supporting multi-platform and multi-scenario payments, with one-stop tracking of card dynamics and transaction status.
• Multi-Account Management: Supports multi-account management with customized permissions for roles such as finance and operations, facilitating efficient collaboration within the enterprise.
• No Currency Conversion Costs: Use PhotonPay's multi-currency accounts for global payments, avoiding unnecessary currency conversion costs.

Security and Compliance Assurance

III. Six Industry Application Scenarios of PhotonPay

1. Cross-Border E-Commerce

2. SaaS Subscription Services

3. Digital Marketing

4. Supply Chain Management

5. Online Education

6. Travel Services

IV. Why Choose PhotonPay?

1. Efficient Fund Turnover: Batch payment functions and real-time exchange rate management help businesses quickly complete cross-border payments, optimizing fund turnover.
2. Transparent Fee Structure: Transparent exchange rates and low transaction fees help businesses avoid hidden costs and effectively control payment costs.
3. Robust Compliance System: Strict compliance standards and security measures ensure the reliability and security of payments.
4. Flexible Solutions: Supports various payment scenarios and business needs, meeting the personalized needs of businesses.