Corpay Cross-Border Solutions

What our Customers are Saying 

 

  • Business Services

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Chris Cabrera, Financial Controller 

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TDA Recruitment have been using Corpay since the summer of 2019 to help manage our FX transactions. After an initial consultation, the value was quickly made apparent, and we opened an account, which was a very straight forward process. I now have an excellent working relationship with our designated account representative. They always keep me up to date with relevant information and have worked hard to understand our requirements. Their online trading platform is very user friendly, allowing me to process a transaction in a matter of seconds, which helps reduce the time we spent on our FX trades. I would recommend Corpay – especially to other recruitment firms who already deal, or are expanding, globally and deal with multiple currencies.

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Ross Gorton, Chief Financial Officer

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Marlin Green is a leading and award-winning international recruitment agency that provides specialist Pan-European contract IT recruitment solutions. In early 2020 we established a partnership with Corpay (formerly Cambridge Global Payments) after finding solutions to both our mass international payment requirements and FX/hedging needs.  In terms of our international payment challenges, we had to manually send 100s of payments per month and were looking for a payments provider who could take the pain in the manual process away, whilst giving us the peace of mind we could still control and approve payments to a bespoke model. Corpay delivered exactly this. Our dealer liaised with and coordinated with their tech team and our finance team and the process was very straightforward. Corpay took our existing CSV file from our ERP system and ‘mapped’ this to their proprietary platform so we upload all our payments, across multiple currencies in one file, with a customised authorisation model to approve. This has reduced human error and man hours spent on making these payments. Corpay also provided FX and hedging solutions for our incoming revenue (profit) from European partners (predominantly Euros). We have access to conventional hedges alongside alternative, fully flexible hedges which allow us to mitigate our FX risk whilst allowing us to potentially benefit in positive market movement thereafter. We work closely with our account representative and our personal trader and the wider team at Corpay, and are very satisfied with the service and solutions we have received. We would recommend working with them for FX, hedging and international payments to others in the recruitment space due to their products, service and understanding of the challenges we face in our market.

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Hanna Thorpe, Office Manager

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The Corpay staff are very helpful, polite, knowledgeable and quick to assist. Some companies and their reps are pushy, overly determined to convince you to commit to deals or just not interested in your business' specific nuances. My account representative is a joy to speak with, is personable, professional yet approachable and patient.

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David Seddon, Managing Director 

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Fast, effective, communicative and a perfect solution for a business my size.

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Adam Stolerman, Partner

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TritonExec were invited to a Global Recruiter roundtable that Corpay hosted in February 2020. At the event, we met the Corpay team and shared that we recently secured an international contract. Corpay then shared their capabilities in currency risk management, which would enable us to have certainty on this contracts profitability. The process and execution of the strategy was timed very well. We look forward to working with Corpay in the future.

 

  • Education

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Maggie Martin, Systems Accountant

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We began live trading with Corpay in July 2014 and our implementation was managed in a very efficient, professional and customer focused manner. We have several subsidiary companies with different bank accounts but this did not pose any problems. We also worked closely with the technical team in Canada to build a payment interface file to our specific requirements, this has reduced manual input and streamlined the recording of foreign payments details in our Finance system. The online system is very intuitive and has a wide range of standard enquiries that should meet the needs of most organisations. It has been a pleasure working with the dedicated implementation team.

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Ed Adams, Head of Finance

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We have been set up on Corpay Cross-Border, the online trading platform, which is very user-friendly and enables us to book hedges for our USD exposure as well as send payments to our various beneficiaries across the globe, which is seamless, efficient and cost effective.

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Stuart Sharkey, AP Manager

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London school of Economics entered into a consultation period with Corpay  towards the end of 2014 with a go live date of 3rd March 2015, Corpay worked with our internal teams to build a bespoke payment interface. The process involves a file generated from our Finance system which is uploaded onto Corpay Cross-Border to process all foreign payments. Once completed we simply re-upload the completed file into our Finance system. This has reduced our manual input and streamlined the recording of foreign payments in our Finance system. The implementation was managed in a very efficient way and any challenges we did face were investigated and amended in a timely manner. Overall the solution that has been tailored for LSE has added great value with the ongoing service that we receive being the key differentiators to the previous supplier.

 

  • Electronics

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Erik Gilbert, Co-Owner & Director

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One day we realised that our incoming payments had become quite large, and we’d outgrown our legacy provider. A business partner of ours recommended Corpay and we’re glad they did; the human element Corpay provides is hugely beneficial. Whenever we contact them, we know our transactions are going to get done, and we know that a real person is helping us get where we need to go. Other companies have tried to win our business but have failed to do so. It’s a pleasure to work with the Corpay team

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Margaret Simpson, Finance Manager

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Highly recommend. Knowledgeable, professional and friendly staff. Easy transaction process. Good exchange rates.

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Paul Farrance, Financial Controller

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I would recommend Corpay because of their professional approach, coupled with a positive approach that gives you confidence to make the right business decision.

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Tayyiba Nasser, Financial Controller

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BECS have been using Corpay since December 2014 for our multiple FX payments through Corpay Cross-Border. It is important for us to get the most competitive rates available and to have access to a fast and user friendly platform. Our account representatives have worked hard to ensure we receive a professional service and we would not hesitate recommending them to others in our industry. We look forward to working with Corpay for the foreseeable future.

 

  • Energy & Renewables

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Greg Weston, Group Treasurer

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We’ve been utilising Corpay as a partner for our FX hedging since 2013, alongside our banking partners.  Our experience is of a very professional firm, who have provided prompt and good service in relation to prospective trades and Corpay are very proactive, identifying areas where we could use some help. Their process for approaching FX hedging is good, and settlements are always made accurately and on time. In terms of products, we’ve been utilising a ‘flexible forward’, which allows drawing down on the forward at any point within a specified date range. This has proven to be very useful as it comes to our large orders, where timing can vary greatly. Overall, our experience with Corpay has been a very positive.

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Leslie Murray, Finance Director 

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Taylor Hopkinson have been working with Corpay since the summer of 2019. Whether we need support delivering currency to Asia or achieving certainty on our global revenue, they have always provided us with the capability to achieve our objectives. If you are a recruitment business who deals on an international scale, Corpay should be able to support your FX needs every step of the way.

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John Ruane, Finance Director

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Service and support is the best experienced.

 

  • Entertainment and Media

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Joanna Cave, Finance Manager

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We have used Corpay for Aardman’s foreign exchange requirements since 2011. From the outset both our account representatives understood our requirements, and tailored their approach accordingly. They have always been very responsive to our needs, and take the time to pro-actively advise us of movements and events that are likely to have a bearing on our business, explaining the possibilities clearly without overwhelming us with unnecessary information. This has helped us have a better awareness of the market, appropriate solutions, and transaction timing. They are both very friendly and professional, which has made it easy to build a strong relationship, and we would like to thank them for their work on our behalf. Based on our experience we would happily recommend Corpay to other businesses with foreign currency trade requirements.

 

  • Financial Services

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Rory Adamson, Director

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Very easy to achieve what you want with a first class support team who respond to all enquiries in minutes.

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Dimitrios Gazis, Head of Treasury and FX

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Good solution for FX services, easy to use portal, wide coverage in currencies with good to excellent pricing.

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Roland Hill, CFO

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Corpay (formerly AFEX) has acted as a trusted business partner to Castel since 2014. Managing currency exposure is a key area of financial control, and we have found the expertise and guidance they offer invaluable in helping mitigate our currency risk. A dedicated account executive ensures we are regularly updated on any market movements or developments which might affect our balance sheet. I would have no hesitation in recommending the services of Corpay to any business in the insurance sector.

 

  • Food and Agriculture

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Ben Mildred, Finance Manager, Treasury

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Morrisons have been using Corpay for our FX risk management since 2023 and want to highly recommend them to others seeking an expert FX partner. We initially had a consultation with a rep who was patient to engage, consultative and knowledgeable. After taking the time to understand our requirements, Corpay impressed us with the swift establishment of a very competitive credit line, not subject to any collateralisation, which helped with our cash flow when placing hedges with them, and helped us attain further peace of mind. Since we began trading with Corpay, we have found them to be experts in their field. They are very responsive and have delivered solutions specific to our needs, and which we've been very impressed with. It gives us comfort to deal with a company of Corpay’s size and stature, but we get the personal service that we want and need. We will continue to use them for our FX and hedging needs for the foreseeable future.

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Rob Sexton, Managing Director

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Yeo Valley is one of the UK’s largest dairy producers. We have been using Corpay for our currency requirements over the past 12 months and I am happy to recommend their services. We met with our account representative who travelled to our premises and got a full understanding of our requirements, the challenges we faced and what our overall objectives were when it came to managing our currency exposure. Historically, we hadn’t hedged our EUR exposure but after evaluating the proposal from Corpay, we decided it was wise to mitigate our currency risk and execute forward contracts through a ‘market order’ strategy to target our budget rate when the market was below. This has benefited us significantly over the last 12 months, as we managed to trade significantly higher than the spot rates available through the forwards we placed. We have worked with our personal trader, alongside the continued support from our account rep and I am delighted to recommend their services.

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Stuart Bailey, Managing Director

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Since starting with Corpay, we have seen a considerable saving on our Foreign Exchange transactions and are incredibly pleased with the level of customer service and commitment we’ve received to date. I would highly recommend them to any business that processes international payments in multiple currencies and I wish we had started with them sooner!

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Shaun Patel, Company Secretary 

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Extremely helpful with customer focus in mind and delivering the best service at cost effective rates.

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Donna George, Head of Finance

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Culpitt Limited have been using Corpay since February 2013 for our FX transactions. Corpay’s online system is excellent and is very easy to use. It has various approval levels which works well for our business. The Corpay team have worked hard to ensure we receive the very best service and we would not hesitate recommending them to others. We like to think we will be working with Corpay  for many years to come.

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Anthony Healy, CFO

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Corpay is to the point and understandable, at the same time have vast knowledge of everything needed to support company's with their FX. Highly recommended company and the best we have dealt with for a long time, your one stop shop.

 

  • Healthcare

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David Mills, Finance Director

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Bioscientifica is the trading subsidiary of The Society for Endocrinology, a charity that aims to promote the advancement of public education in endocrinology. We have been using Corpay for our currency requirements, converting our EUR and USO receivables back to GBP, since the start of 2019. We arranged a meeting with our account representative who came to our premises and demonstrated their online platform, Corpay Cross-Border, and ran through some strategic hedging products, to help us mitigate our currency risk. We decided to open a trading line in due course, and have since enjoyed better rates than we had with the bank, an easy to use online platform, and excellent customer service levels from the Corpay team. I would recommend Corpay as a great FX partner and foresee a long working relationship with Corpay.

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Andrew McMeeking, CFO

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Prescient Healthcare Group have been using Corpay from early 2019 to help manage our currency exposure and reduce FX risk. After an initial meeting and consultation with our account representative, we opened a facility. We set up an account which was straight forward and have established an excellent working relationship with our designated FX Trader. He has kept me up to date with relevant information, market products and provided a customised service to our requirement. The Corpay team has worked hard to ensure we receive a professional service and we would not hesitate to recommend them to others in our industry. We will be working with the Corpay team for the foreseeable future.

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Simon Fisher, Financial Controller

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We began trading with Corpay back in 2017 and from the start have been impressed their high standards, professional and knowledge of the markets. Since then, we have benefitted from our relationship with decent rates of exchange, ease of transactions and the peace of mind that reduces the time spent on FX exposure.
I have recommended Corpay in the past and would do so again without hesitation.

 

  • Institutional

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Jackson Heddy, CFO

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At Northzone, we needed to optimise our process for cross currency transactions. We’re a multi-stage venture capital fund partnering with founders from Seed to Growth across Europe and the US, with over 175 investments having been written, and €+1bn to invest. We typically write checks between €1 million to €25 million, so it was challenging for us to identify a partner who was able (and willing) to put in the time to understand our business and operations.

When we finally found the Corpay team, we started by undertaking an extensive pricing comparison exercise, which was impressive and successful, and ultimately led to their gaining our trust. Partnering with Corpay also meant we could outsource our treasury operations and alleviate ourselves of that in-house work. With Corpay, we realised improvements in pricing and delivery, as well as responsive onboarding and access to hedging products. We greatly appreciate the time, patience, and expertise Corpay has shown us in developing our thinking when it comes to FX. Having the capability to call upon others’ knowledge and insights, is invaluable to those in roles wearing many hats.

 

  • NGO

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Kat Astley, Office Manager

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Great! Great communication and rates. Helpful and knowledgeable staff who respond very quickly!

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Lian Simmons, Finance Manager

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The Gorilla Organization have been using Corpay since April 2014 for our FX transactions. We make transactions over the phone with our dealer. The whole process takes only minutes and we have found that the money is getting to its destination (Uganda) far quicker than it does through our bank. The Corpay team have worked hard to ensure we receive the best service and we would not hesitate recommending them to others within the charity sector. We like to think we will be working with Corpay for the foreseeable future

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Neha Goel, Finance Officer

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Global Giving UK have been working with Corpay since June 2014 for our international payments. We make monthly overseas payments and find their online system easy to use and have been very helpful getting us set up. We look forward to working with Corpay in many years to come and we would not hesitate recommending them to others in our industry.

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Tim Catherall, Director of Finance and Operations

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Crisis Action has been using Corpay since February 2014 for our FX transactions. They have always been readily available to ensure we receive the best possible service, and we would not hesitate recommending them. We look forward to work to working with Corpay for many years to come.

 

  • Other (Construction)

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Stephen Mace, Director

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Extremely professional very efficient, honest and quite competitive prices. 

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Kevin Haselden, Head of Finance

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Domis Construction started to use Corpay back in March 2022 due to an increase in our foreign exchange requirements.  The rates offered by our existing provider were not competitive and we realised we needed a different solution that would reduce our costs.  After speaking to several different providers, we were very impressed with what the Corpay team had to say and it was refreshing to see them asking about our business and our requirements, both now and in the future, rather than just pushing for the quick sell.  We were keen to make sure that whatever we put in place did not create an unnecessary admin burden on the team, which would offset the benefit of the improved rates.  Corpay gave us various options as to how exactly we would structure any deals and this gave us a lot of flexibility as well as being able to gain a better understanding of how the process worked.  The service since we started has been excellent.  We have a dedicated team who we have access to and they will turn any requirements around within a few hours.  They also give regular updates on how the markets are performing and notify us of any significant changes in the relevant rates to give us the opportunity to adapt or amend our current position.  I would highly recommend Corpay to anyone else and given the seemingly endless number of calls I get from similar companies on a weekly basis, I would advise anyone to go with a recommendation from someone else, rather than relying on a sales pitch. 

 

  • Other (HVAC)

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Patricia Quinn, Managing Director

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Tesla UK have been using Corpay for our currency and hedging requirements for over a year now and would like to recommend their services to others. Prior to becoming a customer of Corpay, we traded spot with the bank and had been bamboozled by complex hedging products from a previous FX partner, so needed a clear concise hedging strategy that was easy to understand and added value to our business. Corpay took the time to understand our challenges and objectives and presented an alternative hedging strategy. The service we have received since setting up with Corpay has been excellent from market updates, sharing ideas and ensuring we are well looked after with our personal trader. For businesses wanting a consultative, thorough and trustworthy FX partner, we would recommend engaging with Corpay.

 

  • Other (Lighting)

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Iain Bell, Financial Controller

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Raytec Limited have been working with Corpay since February 2013 and over this period of time they have a provided us with a first class foreign exchange service. We see Corpay as an extension of our finance team and we 100% trust them to do what is best for our company. Thanks to Corpay we now trade far more strategically than how we previously did. We look forward to working with them for many years to come and would happily recommend them to others.

 

  • Other (Manufacturing)

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Nathan Cole, Finance Director

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We have used Corpay for Hafele’s currency requirements since 2018 and couldn’t recommend them enough. From the outset, both of our Account Representatives understood our requirements and tailored their approach accordingly with an appropriate level of contact. They have always been very responsive to our needs and take the time to pro-actively inform us of any potential negative and positive movements and events that could have a bearing on our business. This has helped us have a better awareness of the market and therefore better transaction timing when booking our forward contracts. They are both very friendly and professional, which has made it easy to build a strong relationship and we would like to thank them for their work on our behalf. Based on our experience we would happily recommend Corpay to other businesses with foreign currency trade requirements.

 

  • Other (Shipping)

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Sandra Holland, Office Manager/PA

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BRS London Limited have been using Corpay since September 2014 for our FX transactions. The Corpay team have worked hard to ensure we receive the best service which are tailored to our needs; Our account representative has been very helpful in guiding us through the world of FX transactions. We would not hesitate in recommending them to others in our industry. We like to think we will be working with Corpay for the foreseeable future and would not hesitate recommending them. Corpay traders are very helpful, knowledgeable, get to know about your business, how and when you are likely to want to trade. Plus, they're very friendly. 

 

  • Other (Translation)

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Hannah Moore, Financial Manager

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The biggest gain for us has been the speed and ease of the customised upload facility. Even before the better rates are considered, this was a huge time and efficiency saving for our business. As we look toward future growth, we can be certain that our payment processes will not become lengthier as a result. Corpay are very friendly and easy to work with.

 

  • Retail

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David Trickett, Managing Director 

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Hardmet Associates Limited have been using Corpay since March 2014 for our FX transactions. From the initial face-to-face consultation with our Corpay representative and our dealing with our personal trader over the phone the service has been excellent throughout. The Corpay team have worked hard to ensure we receive the best service and we would not hesitate recommending them to others in our industry. We will be working with Corpay for the foreseeable future.

 

  • Retail (Fashion)

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Jennifer Cox, Owner/Designer 

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I get a good exchange rate, have markets explained to me well and about what may sway rates given outcomes on politicial happenings around the world.

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Joanne Marshall, Head of Finance

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Corpay ensures that FX risk is no longer something that Karen Millen needs to be concerned with. From the beginning, their team offered a proactive approach to ensure that we always know where the market is, and more importantly, to ensure we obtain the rates of exchange that we need. Settlement has been prompt. We have 100% confidence in Corpay, and look forward to working them for the foreseeable future.

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Ben Snowdon, Director 

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I would recommend Corpay for the ease of use, ease of setting up and the ability to see live rates.  Payments are made swiftly and smoothly.

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Joanne Lawford, Head of Finance

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We have used Corpay for Cole Beauty’s currency requirements since 2022 and cannot recommend them enough. At the start of the relationship everything was explained thoroughly and we were also informed of other services that Corpay offer, we applied for a credit line which was granted very quickly and has facilitated us to book our forwards for the year without having to outlay any funds. Working in a busy Finance department we need to be reactive to market changes and Corpay were able to provide us with an online portal whereby we can manage our FX ourselves with very little intervention from our account managers, it’s a really easy system to use and provides all the information we need. When we sell or purchase through our account the funds are transferred almost immediately on receipt of our payment which saves us valuable time. They are really friendly and professional, and it has been easy to build a strong relationship, I’m not easily impressed but the service from the team at Corpay is excellent. Based on our experience we would happily recommend Corpay to other businesses with foreign currency trade requirements.

 

  • Retail (Furniture)

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Julian Stammers, Director

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I have always found Corpay very easy to deal with and very prompt in replies and processing transactions.

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Eric Shoubridge, Financial Controller

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Airbase Interiors Limited have been using Corpay since July 2013 for our FX transactions. The Corpay team have worked hard to ensure we receive the best service and we would not hesitate recommending them to others in our industry. Never a problem, always a prompt service, we like to think we will be working with Corpay for the foreseeable future.

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Cy Fogel, CEO

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You’re Furnished have been using Corpay since April 2013 for our FX transactions. We make transactions over the phone and our Corpay representatives have worked hard to ensure we receive the best service. We would not hesitate recommending them. We like to think we will be working with Corpay for the foreseeable future.

 

  • Retail (Souvenirs)

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Massimo Carminati, General Manager

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Having worked with Corpay for over a year we find the service and rates of exchange to be the best around. They offer a high level of service, but more importantly listen to what we require from them and use that as a starting place. In business it is important to trust the people you work with, and if possible enjoy working with them. I can safely say dealing with the Corpay team meets both of these points and we look forward to working with them for many more years.

 

  • Seafood

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Daniel Cassiano-Silva, Chief Financial Officer

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Corpay have been very professional to work with. They have gone above and beyond in understanding our business and pattern of seasonal fish buying to execute an in-depth strategy to help us achieve our goals as a business. Their account manager works closely with us making us aware of opportunities in the market and complementing the way we work. We have focussed on outperformance instruments which have performed very well for us as a result. I would have no hesitation in recommending their execution of services and competitive pricing.

 

  • Sports Organizations

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Tim Taylor, EVP Finance

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Corpay Cross-Border has proven to be a hugely beneficial solution for LIV Golf.  We are a global business by nature, so it is imperative that we drive efficiencies in our FX.  Corpay’s expertise and dedicated support team has allowed us to take a long-term view and mitigate currency risk, both of which have allowed us to optimise our international finance operations.  We are grateful for their collaborative approach.

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Daniel Malmgren, Business Area Manager Corporate and Partner
Daniel Malmgren, Affärsområdeschef Företag och Partner

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Corpay´s expertise in international payments and currency risk management provides us with improved efficiency in our foreign transactions. Their experts are always available and help us understand the risks associated with market movements and our trading patterns. With our increased exposure abroad, it is important for Djurgården Football to have a stable partner for smooth and secure transactions.


Corpays expertis inom internationella betalningar och valutariskhantering ger oss trygghet i utländska affärer. Deras experter är alltid tillgängliga och hjälper oss förstå riskerna. Med ökad utlandsexponering är det viktigt för för Djurgården fotboll att ha en stabil partner för smidiga och säkra affärer.

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Michael Schmidt, Executive Director

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We're delighted with the results of our partnership with Corpay. It has simplified our processes, giving us a modern and advanced tool to further improve the transparency and accountability of our financial administration. It's also helped us to achieve our sustainability goals with paperless and impact-free transactions to reduce our carbon footprint. As an international organisation in a dynamic world, our relationship with Corpay plays a key role in our success.

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Jeremy Conrad-Pickles, Financial Director

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Corpay Cross-Border provides World Aquatics with tailored foreign exchange hedging solutions.  We are extremely satisfied with our collaboration with Corpay. Their high-quality team understands our business needs and provides excellent client service.

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Josh Illsley, CEO

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Running Imp is a well-established supplier of medals and trophies and a proud official medal supplier to the London Marathon. With many of our products being sourced from overseas, we’re exposed to currency risk, but it also means that timeliness within our supply chain is of the utmost importance.

It was key for us to find an FX partner who could help ensure fast and reliable payment delivery, and we found that in Corpay. They have consistent high levels of service, are communicative, have affordable rates, and their hybrid account manager/online platform model is convenient. 

Plus, our Corpay team is proactive and makes us aware of significant moves in the FX markets. Working with the Corpay team has allowed us to create efficiencies, freeing up more of our finance manager’s time to focus on other areas of our business.

Being able to trust the people who move your money is paramount, and Corpay provides us with that peace of mind. I would highly recommend Corpay to any company who would like a partner they can trust to deliver payments quickly and provide a high-quality online platform and great service.

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Scott Duxbury, Chairman & CEO

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Our relationship with Corpay has been exceptional. Their extremely high standards and desire to be the best at all times mirrors the way I want this club to be run. We are delighted to be working with Corpay for our foreign exchange needs.

 

  • Travel and Tourism

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Dagne Taylor, Financial Controller

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Osprey Europe Limited have been using Corpay since January 2014 for our FX transactions. We book forward contracts with our dealer over the phone on a regular basis. Our account rep provides a pro-active dealer service, keeping me up to date with significant market movements in the currencies that we have exposure in. The Corpay team has worked hard to ensure we receive the best service and we would not hesitate recommending them to others in our industry. We like to think we will be working with Corpay for the foreseeable future.

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Joe Cameron, Director

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Corpay was the only company that we talked to that were willing to think outside the box and work with us in finding a solution.

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Luke De Marco, Owner

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ONJET Limited have been using Corpay since October 2013 for our FX transactions, for both our inbound and outbound foreign exchange. We like to think we will be working with Corpay for the foreseeable future as they provided a great alternative to our bank. Our Corpay representatives have worked hard to ensure we receive the best service and we would not hesitate recommending them.

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"Cambridge Global Payments” and “AFEX” are trading names that may be used for the international payment solutions and risk management solutions provided by certain affiliated entities using the brand “Corpay”. International payment solutions are provided in Australia through Cambridge Mercantile (Australia) Pty. Ltd.; in Canada through Cambridge Mercantile Corp.; in Switzerland through Associated Foreign Exchange (Schweiz) AG; in the United Kingdom through Cambridge Mercantile Corp. (UK) Ltd.; in Ireland and the European Economic Area on a cross-border basis through Associated Foreign Exchange Ireland Ltd.; in Jersey and the Channel Islands through AFEX Offshore Ltd.; in Singapore through Associated Foreign Exchange (Singapore) Pte. Ltd. and in the United States through Cambridge Mercantile Corp. (U.S.A.). Risk management solutions are provided in in Australia through Cambridge Mercantile (Australia) Pty. Ltd.; in Canada through Cambridge Mercantile Corp.; in the United Kingdom through Cambridge Mercantile Risk Management (UK) Ltd.; in Ireland and the European Economic Area on a cross-border basis through AFEX Markets Europe Ltd.; in Jersey and the Channel Islands through AFEX Offshore Ltd.; in Singapore through Associated Foreign Exchange (Singapore) Pte. Ltd. and in the United States through Cambridge Mercantile Corp. (U.S.A.). Please refer to http://cross-border.corpay.com/brochure-disclaimers for important terms and information.