Five core capabilities that replace expensive bank wire transfers with transparent, fast, verifiable B2B payments across 150+ countries.
Mid-market businesses making cross-border B2B payments — typically USD 50,000 to USD 2,000,000 per month in total international payment volume — pay 2–4% above the mid-market FX rate when using their primary bank. That spread is invisible: the bank quotes a rate, the payment executes, the recipient receives less than expected, and the finance team spends hours in monthly reconciliation trying to account for the difference.
Correspondent bank fees ($15–$50 per SWIFT transaction) compound the cost. For a business running 30 supplier payments per month, that is $450–$1,500 in fixed fees before any FX spread. Enterprise businesses over $10M monthly volume have access to bank treasury desk pricing that eliminates most of this cost. Businesses below that threshold do not. JuniGo is built specifically for that gap.
The second layer of the problem is operational. Current bank payment portals require manual data entry per payment, generate settlement confirmations in formats that cannot be ingested directly by accounting software, and provide no real-time status between payment initiation and settlement confirmation. Finance teams at 20–80-person companies are spending 6–10 hours per month managing a process that should take 45 minutes.
The finance team uploads a payment CSV or connects their ERP via API. JuniGo validates each recipient's bank account details against the destination country's format requirements — IBAN, IFSC, CLABE, or local account structure — and runs a sanctions screen against OFAC, UN, and EU consolidated lists before the batch is confirmed. Any row that fails validation is flagged with a specific reason; the rest proceed.
At batch confirmation, JuniGo locks the FX rate for 30 minutes and shows the all-in cost — notional converted plus markup percentage. The finance manager sees exactly what the recipient will receive in destination currency before approving. After approval, JuniGo routes each payment over its local rail network where available (covering 35 high-volume corridors) or over SWIFT with preferred correspondent partners for remaining corridors.
Settlement confirmations are pushed to the connected ERP (NetSuite, QuickBooks, or Xero) as structured records: source amount, destination amount, FX rate, settlement timestamp, JuniGo transaction ID, and the configured expense category. No manual journal entry. The reconciliation report matches the general ledger without intervention.
JuniGo is built for finance managers and CFOs at mid-market companies with $50,000 to $2,000,000 in monthly cross-border B2B payment volume. The typical customer is a Singapore, Malaysian, or Indian-registered business paying suppliers, contractors, or subsidiaries in 3–10 countries on a recurring monthly schedule.
Industries served include electronics components distribution, garment and textile sourcing, software services, and professional services firms with international contractor networks. Common corridor combinations: SGD-INR, SGD-PHP, SGD-VND, USD-INR, USD-MXN. Businesses making fewer than 5 cross-border payments per month or with total volume below $20,000 per month are not the right fit — the operational overhead savings only materialize at higher frequency.
JuniGo displays the mid-market rate, its markup percentage, and the total all-in cost as a single line item before the business confirms a payment. There are no additional correspondent bank fees deducted from the payment amount on arrival — the recipient receives the exact amount confirmed at booking.
Pricing model: flat percentage markup on notional, typically 0.4–0.8% for common corridors. No minimum transaction fee. For frequent-payment corridors, the platform displays the last 30-day average markup for benchmarking.
Direct local banking relationships in 35 high-volume corridors including India, Mexico, Philippines, Vietnam, Bangladesh, Kenya, and Nigeria. SWIFT with preferred correspondent partners for remaining corridors. Corridor availability, estimated settlement time, and current markup rate are visible in JuniGo's dashboard before you commit.
For corridors with SWIFT fees above $30, JuniGo's routing engine automatically evaluates stablecoin-assisted bridge settlement that reduces round-trip fees 60–80% in high-fee corridors.
Upload a payment CSV or connect your ERP via API to execute 50+ cross-border payments in a single workflow. JuniGo validates recipient bank details for each row, flags any mismatched details for review, then executes the approved batch at consistent FX rates locked within a 30-minute rate window.
Batch processing eliminates 3–5 hours of manual payment-by-payment work per run for finance teams with 20–100 monthly cross-border payments. Particularly useful for recurring payroll, supplier invoices, and agency fee distributions.
Before executing any payment, JuniGo runs the beneficiary's bank account details through its verification service: account structure validity for the destination country (IBAN, IFSC, CLABE, or local format), active account confirmation, and sanctions screening (OFAC, UN, EU consolidated list) on the recipient entity.
Payments that fail any check are held in a pending queue with a specific failure reason — not silently rejected after fees are paid. This prevents the most common cross-border failure: wrong account number or inactive recipient, which generates a $25–$85 return wire fee from the correspondent bank.
After each payment settles, JuniGo pushes a reconciliation record to NetSuite, QuickBooks, or Xero with payment amount in source currency, amount received in destination currency, FX rate applied, settlement date and time, JuniGo transaction ID for audit trail, and the business's configured expense category or cost center code.
Finance teams reviewing monthly supplier costs in NetSuite or QuickBooks see JuniGo payments coded correctly in their native GL without manual journal entry.
Tell us your payment routes and monthly volume. We'll show you the all-in cost comparison vs. your current bank, and the expected settlement timeline.
