For NGOs with International Programs

PROGRAM DOLLARS
FULLY LANDED.

For an NGO your size, "international transfer fees" shows up in every board deck and every large-donor conversation. It doesn't have to.

TransferMate removes the correspondent-bank fee chain so what your board reports as "cost per project" and what your program officer sees as "money that landed" finally reconcile.

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200+

Countries covered

140+

Currencies supported

$75B

Processed annually

The Real Cost

The Gap Your Board Already Knows About

Every CFO at an internationally-active NGO is managing the same uncomfortable truth: the number on the wire confirmation and the number your field partner receives are never the same.

The Correspondent-Bank Chain

Every international wire passes through 2–4 correspondent banks before it arrives. Each one takes a fee. None of them ask permission. Your program budget absorbs every cut.

FX Spreads Nobody Negotiated

Your bank's FX rate isn't the market rate. The spread — often 1.5–3% — is quietly absorbed by the disbursement. It shows up as "rounding" until a donor asks where 4% of their gift went.

Board Decks vs. Field Reality

Your board reports cost-per-project at one number. Your field partner confirms receipt at another. The reconciliation conversation happens every quarter. It doesn't have to.

One Specific Question

What did your last $100,000 in international disbursements actually cost to move?

Not the fee your bank quoted — the total deducted across the chain. For most NGOs disbursing cross-border at scale, that number is 2–5% of program spend, every year.

If your organization moves $2M/year internationally:

At 2% total fee drag $40,000/yr lost
At 3.5% total fee drag $70,000/yr lost
At 5% total fee drag $100,000/yr lost
With TransferMate Most of that stays.
The TransferMate Approach

Pay Like a Local.
In 200+ Countries.

Instead of routing your grant disbursement through a chain of correspondent banks, TransferMate settles locally. We hold proprietary payment infrastructure and 100 licenses across the globe — so your transfer arrives through the local clearing system, not as a foreign wire.

The correspondent-bank fee chain doesn't take a cut because we've removed it from the equation entirely. What you authorize is what your field partner receives — transparent, trackable, and reconcilable in real time.

Zero correspondent-bank intermediaries. Your disbursement moves on local rails — not via SWIFT's global relay chain.

Transparent FX, market-competitive rates. No embedded spread you didn't agree to. The rate you see is the rate that moves.

Real-time payment tracking. Know exactly where every disbursement is — and confirm arrival before you close your board report.

FX Forwards for budget certainty. Lock in exchange rates in advance so your program budget in USD matches what arrives in-country, regardless of volatility.

Before TransferMate

✗ Wire leaves your account via your bank
✗ Bank 1 deducts correspondent fee
✗ Bank 2 deducts correspondent fee
✗ FX conversion at undisclosed spread
✗ Receiving bank deducts fee
✗ Field partner receives 94–98% of what you sent

With TransferMate

✓ Payment authorized via TransferMate portal
✓ Settled on local clearing rails in-country
✓ Transparent FX rate — agreed upfront
✓ Real-time confirmation to your dashboard
✓ Field partner receives what you authorized
Built for Your Complexity

Everything Your Treasury Needs.
Nothing You Don't.

TransferMate's payment infrastructure is built for organizations moving money across borders at scale — with the compliance and audit trails your donors and board require.

Local Settlement in 200+ Countries

Your disbursement arrives as a domestic transfer in the destination country — no SWIFT relay, no intermediary deductions, no delays.

FX Forwards for Budget Certainty

Lock in exchange rates for future disbursements so your program budget in USD matches what lands in-country — even if currency markets move.