Corpay Cross-Border API Resources are now even easier to navigate. The API Documentation section hosts all the guides and updates developers will need. The Payments Tracking section provides information and documentation on Payments GPS, our proprietary tool which assigns a unique tracker ID to every payment so it can be traced from inception to delivery. The Accounts Receivable section provides information on Multi-Currency Accounts, our proprietary that tool allows you to receive, and pay out foreign currencies in a secure account in your business’s name.
You may access these resources via the links below:
Important Notice
To comply with updated FINTRAC and related regulatory requirements, Corpay Cross-Border must ensure that valid region and ZIP/postal code information is included for both bank and beneficiary addresses in payments made to the U.S. and Canada by end of Q1.
Please find further details and what this means for you in the link below:
The global markets change constantly and technology needs to adapt quickly.
Corpay Cross-Border has introduced a feedback form so you can easily share your experience with our services. We welcome your ideas, thoughts, and suggestions on new features and tools, and how we can make your experience better every day.
You may access the form via the link below.
We look forward to hearing from you!
Update to beneficiary requirements for UK and Euro Area (EMEA) payments
As you may know, the UK and European Union payment regulatory bodies launched new name checking protocols for banks, financial institutions, and payment service providers like Corpay to confirm that Payee information is correct and matches the bank account information exactly.
UK’s Confirmation of Payee (CoP) protocol is now live on Corpay’s system for incoming and outgoing GBP payments.
The EU’s Verification of Payee (VOP) protocol will be enabled on Corpay’s systems in two phases:
-
INCOMING payments checking protocols to be enabled on October 9, 2025
-
OUTGOING payments checking protocols enabled at a later date (details to follow)
These tools are designed to help ensure payments reach the intended recipient more quickly and efficiently, and to reduce misdirected payments and potential fraud (particularly APP, or Authorized Push Payment Fraud).
We would like to emphasize that CoP and VOP are regulatory mandates, not optional services. These checks are enforced at the regulatory level, and no exceptions can be made.
Please direct any questions you have to your Corpay representative.
Thank you!
We’re excited to announce that Corpay Cross-Border’s MCA solution has expanded (and will continue to do so!).
New Currency Support
Corpay’s MCA offering now includes the following additional currencies:
ZAR, AED, SEK, PLN, NOK, DKK, HUF, RON, SAR, GHS, MUR, KWD, BHD
Local Rail Access for Key Currencies
We’ve also expanded our in-country payment rail capabilities to include:
USD: Receive via ACH within the US
EUR: Send and receive via SEPA
GBP: Receive via Faster Payments or CHAPS within the UK
What’s Coming Soon
Development is well underway to further enhance your experience. Upcoming features will include:
New MCA account statements available on our Cross-Border web platform
Self-service MCA creation online and via the API
Webhooks for real-time incoming fund notifications
We’re committed to evolving our MCA capabilities to support your global payment needs. Therefore, please stay tuned for more updates soon!
As we approach the end of the year, we would like to take this opportunity to arrange a call between our implementation teams to discuss your current integration with Corpay Cross-Border. The primary goal of this conversation is to review the API endpoints and functionalities you are already using, as well as explore recently launched features that could help enhance efficiency and accelerate your business growth.
Additionally, we would like to ensure that we fully understand your roadmap for the remainder of the year and any plans you have in place for 2025. Please contact your Partnership Manager to schedule a convenient time for this discussion.
In 2024, we introduced a new ‘Partner Feedback & Ideas’ portal to gather your suggestions on any enhancements or new ideas you would like to see from Corpay Cross-Border. We received an overwhelming number of responses, and we want to thank everyone who contributed!
Onboarding API
We’ve received positive feedback from many of our partners regarding the time savings our Onboarding API, which was released last year, has achieved during the onboarding process of new downstream clients. However, several enhancement requests were noted to further streamline and simplify the process. These include:
File Submission: Currently, when partners send an onboarding request to Corpay via the ‘POST Client Onboarding’ endpoint, they must wait 15–30 seconds before submitting supporting onboarding files via the ‘POST Submit Onboarding Files’ endpoint.
If a partner attempts to submit files before this waiting period, there is no clear message indicating to wait or whether the upload was successful. This issue has been escalated to our Product and Development teams, and we are working on a resolution.
Mandatory Onboarding Fields: After the launch of our Onboarding API, some partners have reported confusion when trying to understand Corpay’s mandatory versus optional fields for the ‘POST Client Onboarding’ endpoint.
While our API documentation states mandatory and optional fields, we are currently working with our Compliance team to update the documentation for clearer and more accurate information about mandatory fields in specific jurisdictions. We will update our documentation in due course.
Beneficiary Workflow
As Corpay’s beneficiary workflow/management APIs form one of the more extensive collections of services under our Product suite, it was expected that we would receive a large volume of feedback on this topic. The feedback included:
Validation API Endpoint: Many of you requested a dedicated beneficiary validation API endpoint where you can enter or test beneficiary details without creating a template on Corpay’s side if it passes all validation checks. Currently, partners can only use Corpay’s ‘POST Create/Edit Bene’ endpoint to validate beneficiary data.
We are pleased to confirm that we are currently developing a separate validation beneficiary endpoint. This will allow partners to validate a new beneficiary template submission without it being created if the validation is successful. This feature should be ready in September 2024, and we will confirm in our upcoming API release notes.
Auto-Population of Required Beneficiary Bank Fields: To further automate and enhance our beneficiary creation workflow, a common request over the last several months has been for our ‘POST Create/Edit Bene’ endpoint to auto-populate the required bank fields by utilizing either the beneficiary’s IBAN, SWIFT/BIC, or Routing Code.
We understand that auto-populating required bank fields (such as the bank address) will reduce manual effort or development requirements for our partners and clients, while also ensuring more accurate and complete beneficiary data submissions. We have submitted this idea to our Product team for review and will update you once we have more information.
Available Payment Methods: Another common area of feedback related to the beneficiary workflow was regarding payment methods. While Corpay’s ‘GET Beneficiary Rules’ endpoint specifies what payment methods are available for a currency/country, there are some instances where partners need to hardcode a payment method value, followed by manual configuration by Corpay to route via a particular channel.
This situation is often due to the specific template details Corpay needs to acquire for a beneficiary template in certain currencies/countries. However, we have raised this with our Product and Operations teams to investigate whether there is a simpler solution.
Reporting & Notifications
Finally, we received several partner feedback items related to enhancing Corpay’s reporting and notification capabilities, with the most common being:
Webhooks – Push Notification for Incoming Funds: With the launch of our webhook/push notification capabilities last year, many partners have seen improvements in how they are notified in near real-time of status updates (whether related to payment tracking or account onboarding).
However, your feedback highlights an increasing demand for a push notification that alerts partners and clients when incoming settlement funds have been received and applied to one of their Corpay-held Multi-Currency Accounts or an open order booking.
We are currently reviewing our webhook capabilities for 2025, with priority emphasis on the need for an incoming funds/settlement push notification.
General Reporting Enhancements: Among the various feedback items, there were general requests for API reporting enhancements. The most common requests include:
- A date range filter for the ‘GET Lookup Orders’ endpoint.
- A status field that shows whether an order has or hasn’t been settled.
We have relayed these reporting requests to our Product and Development teams to begin the scope analysis, with the aim of including these additions in an upcoming API release.
Finally, we want to reassure you that even if your specific feedback item wasn’t mentioned above, it has been carefully recorded and will be reviewed by our Product team. We value all the feedback we receive and are committed to continuously improving our services to better meet your needs. Thank you once again to all our partners who took the time to share their thoughts and suggestions with us.
Check out an episode of our FX in Focus podcast! In Episode 67, The Evolution of Payment Standards: From MT to MX and Beyond, where we'll explore the industry's migration to the ISO 20022 messaging upgrade—it’s a smarter, faster, and safer way to do business globally, and Corpay is on hand to make the transition smooth and accurate.
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Through the lens of global market dynamics, Corpay is exploring what comes next, in terms of how our world, and the global economy, have changed, and how we navigate the associated uncertainty. Read our publication, updated regularly, to get an understanding of the trends shaping the future of global business and the payments business in particular.
Data Privacy & Security
Read more about the measures we take to protect the privacy and security of client data.
High Risk & Sanctioned Countries
Read more on the high risk and sanctioned countries list, as it applies to all transactions.
Fraud Awareness
Read more to learn about the best practices you can use to detect and mitigate fraud.
Master Currency Capabilities
Read more about our payment formatting guidelines and currency capabilities.
Currency |
Country and Currency Name |
Updated Beneficiary Validation Rules |
|---|---|---|
AED |
United Arab Emirates - UAE Dirham
|
|
AUD |
Australia - Australian Dollar
|
|
BDT |
Bangladesh - Bangladeshi taka |
|
BRL |
Brazil - Brazilian Real
|
|
CAD |
Canada - Canadian Dollar
|
Note updated:For all CAD WIRE/EFT payments:
|
CHF |
Switzerland - Swiss Franc
|
|
COP |
Colombia - Colombian Peso
|
|
ETB |
Ethiopia - Ethiopian Bir |
|
EUR |
Croatia - Euro
|
|
GBP |
United Kingdom - Pound Sterling |
|
GTQ |
Guatemala - Guatemala Quetzal |
|
IDR |
Indonesia - Rupiah
|
|
ILS |
Israel - New Israeli Sheqel |
|
INR |
India - Indian Rupee
|
|
JPY |
Japan - Yen |
|
MXN |
Mexico - Mexican Peso |
|
MYR |
Malaysia - Malaysian Ringgit |
|
PHP |
Philippines - Philippine Peso |
|
PKR |
Pakistan - Pakistan Rupee |
|
PLN |
Poland - Zloty |
|
RON |
Romania - New Leu |
|
SEK |
Sweden - Swedish Krona |
|
THB |
Thailand - Baht |
|
USD |
Puerto Rico - USD DollarUnited States - US Dollar |
|
Added Country Specific Payment Rules (International Payments) for Canada:
Routing/Transit and Insititution/Canadian Clearing Code: - Exactly 9 digits (Financial Institution & Branch Transit)
