TRANSFERS & PAYMENTS
Biscayne Global Service
Efficient domestic and international payments.
Make fast, secure and cost-effective payments within seconds and without limits. We tailor our approach to your unique needs, whether that’s individual, ad hoc payments or regular, batch payments to suppliers or employees; domestically or internationally.
One account to change the way you do business.
Biscayne is a financial technology platform that enables international clients to access U.S. banking infrastructure through a regulated sponsor bank model.
The Company facilitates domestic and cross-border transactions while maintaining a non-custodial, compliance-first architecture.
Key differentiator
Problem
International clients face:
Limited access to U.S. banking
High friction in cross-border payments
Compliance barriers (KYC / AML)
Rejection from traditional institutions
Banks face:
High onboarding risk
Compliance burden
Operational inefficiencies
Solution
Access to U.S. bank accounts (via sponsor bank)
Structured onboarding & compliance
Payment facilitation layer
Transaction validation & monitoring
Bridge between global clients and U.S. regulated banking
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Business Model
Model: Financial Middleware
01
Clients onboarded via Biscayne
02
Accounts opened in client name at sponsor bank
03
Transactions executed by bank
Biscayne provides:
• Compliance Layer
• Validation Layer
• Operational Interface
• Validation Layer
• Operational Interface
Clients onboarded via Biscayne
Accounts opened in client name at sponsor bank
Transactions executed by bank
Biscayne provides:
• Compliance Layer
• Validation Layer
• Operational Interface
*No balance sheet risk
Products and Services
All executed by regulated banking partners
FOREIGN EXCHANGE
Transparent foreign exchange.
Get direct access to the live currency market using our platform, our app, or by speaking with an expert. We help you develop smart currency management strategies to convert at competitive rates when the time is right for you.
Compliance-First Architecture
Biscayne integrates compliance at every stage:
KYC / KYB
onboarding
Risk scoring model
Transaction monitoring
Sanctions screening (Refinitiv)
EDD for high-risk clients
KYC / KYB
onboarding
Risk scoring model
Transaction monitoring
Sanctions screening (Refinitiv)
EDD for high-risk clients
Compliance is not a function - It´s the core product
Technology Platform
Digital onboarding platform
Secure document collection
Compliance workflows
Transaction Interface
Risk Mitigation
01
No balance sheet exposure
02
Bank-level compliance alignment
03
Real-time validation layer
ACCOUNT MANAGEMENT
Manage expenses. Empower your people.
Simplify expense management with our award-winning platform. See your teams’ transactions, in real-time, wherever they are in the world. Receipt scanning and tagging saves time, reduces unclaimed tax, and means no more scraps of paper.
- Set individual transaction limits and balances
- Load multiple cards in a single step with batch uploads
- Get real-time transaction alerts to manage multi-card spending
- Upload receipts and label transactions for expense management
- View all card transactions by currency in one place
- Import transactions to your accounting system
- Export card transactions in PDF or XLS formats
ACCOUNT MANAGEMENT
Stay in control of your finances,
anywhere in the world.
anywhere in the world.
Manage all your deposits, inflows, payments, expenses and foreign exchange in 15 major currencies from a single account, wherever you are. Our multi-currency account offers you smart solutions that save you time and money.
- Deposit and manage 15 major currencies in unlimited amounts
- Make domestic and international payments in seconds
- Transfer funds between accounts and cards, instantly and securely
- Create separate cost centres, with tiered permissions and budgets
- Convert up to 140 currencies at live-market rates
- Generate tailored, real-time, anytime reports to keep track of spend
- Integrate with your accounting and finance systems
Biscayne
Your world at your fingertips.
Our award-winning app is recognized for its innovative design and excellent user experience. It gives you the full functionality of our online platform, letting you manage your teams and transactions, wherever you (or they) are in the world.
- Instant transfers between accounts and cards
- Real-time transaction tracking
- Scan, tag and upload receipts on the spot
- Lock and unlock cards instantly with Safe Mode
- See all your currency balances on the go
- Convert currencies while you travel with live market rates
- View your billing address for 3D Secure verification online
REPORTING
Tailored, real-time reporting.
Manage your business expenditure and save valuable time with our suite of reporting templates. Create and tailor reports to your exact requirements for analysis and reconciliation, showing real-time or historic transactions.
- Avoid unnecessary charges with our transparent and competitive fees
- Convert 140 currencies online, using our app or by speaking with our FX experts
- Choose from same-day, spot or flexible forward trades, settled worldwide through the banking network
- Set up limit orders and rate alerts
- Get support on developing risk management and hedging strategies that are right for your world
- Tailor consolidated, easy-to-read reports for multiple accounts and cards
- Integrate reporting and import/export with your accounting system
- Set a default fee currency for each card (in GBP, USD or Euro) to simplify reconciliation
- Generate master reports PDF or XLS formats (with macros)
- View and download receipt images for expense reporting and management
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