Ebury

Ebury: A Practical Overview For Merchants Managing Cross-Border Payments And FX

Ebury is a global financial technology provider focused on international payments, multi-currency accounts, mass payouts, FX risk management, and working-capital solutions. Merchants use Ebury to pay suppliers, collect funds in various currencies, manage currency exposure, and automate treasury workflows through a web platform and APIs.

At A Glance

• All-in-one platform for global payments, currency accounts, FX risk management, and lending

• Coverage indicated as 130+ currencies, payments to 160+ countries, presence in 29+ markets, 40+ offices

• Web platform (Ebury Online) and developer APIs with sandbox access

• UK regulatory footprint includes Ebury Partners UK Ltd authorised by the FCA as an Electronic Money Institution and Ebury Partners Markets Ltd authorised by the FCA as an investment firm for MiFID FX products

What Ebury Offers

International Payments And Collections

• Pay and collect globally: Ebury provides international payment rails and the ability to receive funds in multiple currencies.

• Local account details: You can open currency and collection accounts that provide account details in your business name for incoming payments in supported currencies.

• Operational channels: Initiate payments and collections via the Ebury Online portal, file uploads, or API integrations.

• Mass payments: Bulk payout capabilities are designed for scenarios like payroll, supplier disbursements, and marketplace or platform payouts.

Currency Accounts And Cash Management

• Multi-currency balances: Hold and convert balances between currencies and use funds to make onward payments.

• Visibility and control: View balances, statements, and account details centrally in Ebury Online.

FX Risk Management

• Policy and execution support: Ebury provides tools and expertise to help businesses design and operate currency risk frameworks that aim to stabilise margins and budgets.

• Derivatives access: Through Ebury Partners Markets Ltd, professional clients can access FX derivatives such as forwards and non-deliverable forwards, subject to eligibility and regulatory categorisation.

Business Lending And Trade Finance

• Working-capital lines: Ebury offers credit facilities to help bridge cash cycles on international purchases and sales.

• Indicative terms: Materials highlight pay-as-you-go usage, repayment up to 150 days, and no collateral on specific facilities.

• Eligibility guideposts: Example criteria include annual revenue above 1 million pounds, tangible net worth from 100,000 pounds, and at least two years of trading history.

Developer Integrations And APIs

• API coverage: Programmatic access spans payments, collections, multi-currency accounts, FX, and mass payouts.

• Sandbox: Testing credentials are provided so teams can build and validate flows before production.

• Parity with portal: Ebury notes consistent behaviour between API-initiated actions and the Ebury Online portal for functions like mass payments and approvals.

• Packaging: Ebury Connect and white-label options are positioned for corporates and fintechs that need embedded, branded, or large-scale integrations.

How Ebury Works In Practice

Operating Model

• Portal first, API when needed: Smaller teams can start on Ebury Online for payments, conversions, and reporting. Engineering teams can adopt the API for scale, automation, and embedding flows inside ERPs, finance platforms, or marketplaces.

• Collections, then conversion, then payout: Typical flows involve receiving funds to local details, holding balances in one or more currencies, converting at the chosen time, and paying out to suppliers or partners.

• Bulk and recurring operations: Mass payment endpoints and file uploads target payroll, affiliate payouts, and high-volume supplier runs.

Currency And Geography Footprint

• Currency breadth: Ebury states capabilities in 130+ currencies, which is relevant for merchants operating beyond major currency corridors.

• Global reach: Payments to 160+ countries are indicated, with operations across 29+ markets and 40+ offices.

Regulation And Entities

• Electronic Money: Ebury Partners UK Ltd is authorised and regulated by the UK Financial Conduct Authority as an Electronic Money Institution under firm reference number 900797.

• Investment services: Ebury Partners Markets Ltd is authorised and regulated by the FCA as an investment firm, firm reference number 784063, for MiFID FX instruments.

• Other entities: Ebury references additional affiliated entities for specific services and regions. Merchants should confirm the contracting entity and permissions that apply in their jurisdiction.

Where Ebury Fits For Merchants

Primary Use Cases

• B2B cross-border payments: Supplier payments, invoices, and settlement across multiple currencies.

• Collections in customer currency: Receiving payments in the buyer’s preferred currency using local account details.

• Platform and marketplace payouts: API-driven mass disbursements to sellers, partners, and contractors.

• Payroll and contractor payments: Global payroll and recurring payouts via mass payments.

• FX exposure management: For importers, exporters, and services firms with material currency risk.

• Working-capital gap: Short-term credit to finance production or inventory tied to international trade.

Strengths

• Integrated toolkit for international payments, collections, accounts, FX risk, and lending

• Developer-ready with APIs, sandbox, and consistency between API and portal behaviours

• Global coverage in currencies and payment corridors for complex multi-country operations

• Risk solutions that include policy support and access to MiFID FX instruments via a regulated entity

Conclusion

Ebury targets the operational realities of cross-border commerce: moving money, holding balances, converting currencies, paying at scale, and managing FX risk, with optional working-capital support. Merchants with multi-currency flows, platform payouts, or exposure to currency volatility can use the portal to get started quickly and the API to automate at scale.