Connect the way that works for you
Operating as a Supervised Financial Institution (SUPE) on the Swift network, TerraPay enables banks to get started seamlessly via RMA connectivity. For non-Swift members, a simple integration to our API is all you need to access the same real-time payout capabilities.
No new rails. No complex integrations. Just real-time, reliable, last-mile delivery.
Financial Institutions
Swift RMA
TerraPay
- Route your existing Swift payment flows to TerraPay’s global payment network
- Use existing Swift MT and ISO 20022 messages
- Onboard seamlessly with RMA‑based integration
- Track payments with end‑to‑end visibility via Swift GPI
- Accelerate rollout with minimal operational change
Financial Institutions
API
TerraPay
- Access the same global payout network for real-time deliveries
- Integrate quicky and scale enterprise‑grade payouts
- Connect via one API for all countries and payout types
- Track transaction in real‑time and automate reconciliation
- Ensure bank‑grade compliance and consistent controls
Built different
How TerraPay’s global payments network compares to traditional approaches
- TerraPay Network
- Traditional Banking
- Local Partners
Extensive global reach
Access 3.7Bn+ mobile wallets and 7.5Bn+ bank accounts across 158 countries through a single connection
Real-time, transparent payouts
Deliver cross-border payments in real-time with end-to-end tracking and visibility powered by TerraPay that connects to Swift GPI
Security and compliance, guaranteed
Operate within a framework that combines Swift’s global standards and TerraPay’s licensed and globally regulated infrastructure
Operational efficiency at scale
Compliment your current correspondent payments network with TerraPay's and expand optionality for your clients with real-time Account-to-Account and Account-to-Wallet cross-border payments
Richer data, faster and smarter processing
Leverage ISO 20022 (MX pacs.008) to improve data quality, reduce RFIs and minimise payment delays to deliver real-time payments seamlessly for their clients
Extensive global reach
Access 3.7Bn+ mobile wallets and 7.5Bn+ bank accounts across 158 countries through a single connection
Real-time, transparent payouts
Deliver cross-border payments in real-time with end-to-end tracking and visibility powered by TerraPay that connects to Swift GPI
Security and compliance, guaranteed
Operate within a framework that combines Swift’s global standards and TerraPay’s licensed and globally regulated infrastructure
Operational efficiency at scale
Compliment your current correspondent payments network with TerraPay's and expand optionality for your clients with real-time Account-to-Account and Account-to-Wallet cross-border payments
Richer data, faster and smarter processing
Leverage ISO 20022 (MX pacs.008) to improve data quality, reduce RFIs and minimise payment delays to deliver real-time payments seamlessly for their clients
"It’s always exciting to see financial service providers like TerraPay utilise Swift to innovate their offering and deliver an enhanced customer experience. It underlines the broad utility of Swift’s highly secure, globally inclusive network, and demonstrates how we’re equipping our community to meet the rapidly rising expectations for choice and simplicity in cross-border transactions."
Modernising your global payout strategy, made simple
Whether you are a Swift-connected bank, non-Swift bank, credit union, NBFI or PSP, TerraPay supports licensed financial institutions such as yours, helping you scale across the globe.
TerraPay and Swift’s connectivity powers a range of cross-border payment flows across use cases:
Cross‑border remittances
Faster, more inclusive consumer and SME payouts
Payroll & gig worker payouts
Time‑critical disbursements across multiple markets
Supplier & SME payments
Local‑currency settlement without correspondent friction
Creator, platform, and royalty payout
Automated, high‑volume global distribution