Built for businesses of all sizes
Multi-currency
accounts for smooth, reliable global payments
Multi-currency accounts for smooth, reliable global payments
HarpFi enables businesses to seamlessly manage liquidity and transfer funds across borders with our unified dashboard — the central hub for all your global payment needs.
Built for businesses of all sizes
Multi-currency accounts for smooth, reliable global payments
HarpFi enables businesses to seamlessly manage liquidity and transfer funds across borders with our unified dashboard — the central hub for all your global payment needs.
Receive and make payments in multiple currencies
Receive and make payments in multiple currencies
local payouts to over 100 countries
local payouts to over 100 countries
Get paid into accounts with your business name
Get paid into accounts with your business name
Get paid into accounts with your business name
Receive, convert and send on local and international rails with named or FBO accounts, transparent and better pricing - for eligible businesses.
Receive, convert and send on local and international rails with named or FBO accounts, transparent and better pricing - for eligible businesses.
Welcome, Ruiz 👑
Welcome, Ruiz 👑
Welcome, Ruiz 👑
Convert
Convert
Convert
Make a Transfer
Make a Transfer
Make a Transfer
Balance Overview
Balance Overview
Balance Overview
View All Balances
View All Balances
View All Balances
USD Balance
USD Balance
USD Balance
$9,540.50
$9,540.50
$9,540.50
GBP Balance
GBP Balance
GBP Balance
£20,131.50
£20,131.50
£20,131.50
EUR Balance
EUR Balance
EUR Balance
€,203,305,356.50
€,203,305,356.50
€,203,305,356.50
NGN Balance
NGN Balance
NGN Balance
₦0.50
₦0.50
₦0.50
Date
Date
Date
Description
Description
Description
Amount
Amount
Amount
Sep 30, 2023
Sep 30, 2023
Sep 30, 2023
30th Sept, 2023
30th Sept, 2023
30th Sept, 2023
Tax Returns
Tax Returns
Tax Returns
+ £1,780.00
+ £1,780.00
+ £1,780.00
View
View
View
30th Sept, 2023
30th Sept, 2023
30th Sept, 2023
Deposit for August 2023
Deposit for August 2023
Deposit for August 2023
+ $3,970.00
+ $3,970.00
+ $3,970.00
View
View
View
Sep 29, 2023
Sep 29, 2023
Sep 29, 2023
Quarterly settlement for Q3 2023
Quarterly settlement for Q3 2023
Quarterly settlement for Q3 2023
- €1,330.00
- €1,330.00
- €1,330.00
View
View
View
Sep 28, 2023
Sep 28, 2023
Sep 28, 2023
Monthly deposit from order profit
Monthly deposit from order profit
Monthly deposit from order profit
+ $3,970.00
+ $3,970.00
+ $3,970.00
View
View
View
fx and conversion
fx and conversion
Currency conversion that works in your favor
Currency conversion that works in your favor
Currency conversion that works in your favor
Convert instantly between your multi-currency account or automate these conversions as you desire.
Convert instantly between your multi-currency account or automate these conversions as you desire.
Convert
Convert
Convert
$250,000.00
$250,000.00
$250,000.00
From
From
From
USD Balance
USD Balance
USD Balance
Receive
Receive
Receive
£186,124.08
£186,124.08
£186,124.08
To
To
To
GBP Balance
GBP Balance
GBP Balance
JSON
{
"success": true,
"message": "Payment successfully initiated",
"data": {
"status": "submitted",
"reference": "d8bf770ab6b7b429a7fa948efuc298572955758010",
"id": "TPO_8wMSvIhlVnhc"
}
}
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API Integration
API Integration
Built for developers, designed for scale
Built for developers, designed for scale
Built for developers, designed for scale
Send money beyond manual dashboard operations. The HarpFi API allows your application to programmatically initiate transfers to over 30 currencies.
Send money beyond manual dashboard operations. The HarpFi API allows your application to programmatically initiate transfers to over 30 currencies.
Send money beyond manual dashboard operations. The HarpFi API allows your application to programmatically initiate transfers to over 30 currencies.
{
"reference": "d8bf770ab6b7b429a7fa948efuc298572955758010",
"destinationAmount": 100.25,
"destinationCurrency": "USD",
"purposeCode": "employee",
"description": "Payment for September",
"statementDescriptor": "Monthly salary",
"sender": {
"type": "business_entity",
"reference": "m8a62ka51b773fd78215cd7a975fd7"
},
"beneficiary": {
"reference": "a6b3d491125cd7a79751b773fd7821",
"relationship": "employee"
},
"paymentDocuments": [{
"fileIdentifier": "1762919288294JMl64mnLjXKoEEROi4wD.jpg"
}],
"webhookUrl": "https://fake.randomestuff.org"
}
{
"reference": "d8bf770ab6b7b429a7fa948efuc298572955758010",
"destinationAmount": 100.25,
"destinationCurrency": "USD",
"purposeCode": "employee",
"description": "Payment for September",
"statementDescriptor": "Monthly salary",
"sender": {
"type": "business_entity",
"reference": "m8a62ka51b773fd78215cd7a975fd7"
},
"beneficiary": {
"reference": "a6b3d491125cd7a79751b773fd7821",
"relationship": "employee"
},
"paymentDocuments": [{
"fileIdentifier": "1762919288294JMl64mnLjXKoEEROi4wD.jpg"
}],
"webhookUrl": "https://fake.randomestuff.org"
}
{
"reference": "d8bf770ab6b7b429a7fa948efuc298572955758010",
"destinationAmount": 100.25,
"destinationCurrency": "USD",
"purposeCode": "employee",
"description": "Payment for September",
"statementDescriptor": "Monthly salary",
"sender": {
"type": "business_entity",
"reference": "m8a62ka51b773fd78215cd7a975fd7"
},
"beneficiary": {
"reference": "a6b3d491125cd7a79751b773fd7821",
"relationship": "employee"
},
"paymentDocuments": [{
"fileIdentifier": "1762919288294JMl64mnLjXKoEEROi4wD.jpg"
}],
"webhookUrl": "https://fake.randomestuff.org"
}
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Programmatic Payouts
Programmatic Payouts
Programmatic Payouts
Initiate single or bulk transfers to suppliers and customers worldwide. Our REST-based APIs provide a predictable, standardized integration experience for your engineering team.
Initiate single or bulk transfers to suppliers and customers worldwide. Our REST-based APIs provide a predictable, standardized integration experience for your engineering team.
Real-Time Webhooks
Real-Time Webhooks
Real-Time Webhooks
Receive instant notifications the moment a payment is processed, sent, or delivered, keeping your users informed every step of the way.
Receive instant notifications the moment a payment is processed, sent, or delivered, keeping your users informed every step of the way.
Secure Sandbox Testing
Secure Sandbox Testing
Secure Sandbox Testing
Build with confidence. Test your integration end-to-end in our dedicated sandbox environment before moving a single cent of real money.
Build with confidence. Test your integration end-to-end in our dedicated sandbox environment before moving a single cent of real money.
payment rails
payment rails
Send and receive money in over 60 countries.
Send and receive money in over 60 countries.
Send and receive money in over 60 countries.
Use local rails where possible, global rails when needed. Whether you’re paying suppliers in Europe, receiving from partners in Dubai, or funding operations in Africa, HarpFi ensures fast, traceable delivery.
payment entity
payment entity
Make payment on behalf of others, compliantly
Make payment on behalf of others, compliantly
Make payment on behalf of others, compliantly
With HarpFi’s Entity-as-a-Service model, businesses and platforms can create sub-accounts, manage funds, and process payments for their merchants or partners without building banking infrastructure from scratch.
With HarpFi’s Entity-as-a-Service model, businesses and platforms can create sub-accounts, manage funds, and process payments for their merchants or partners without building banking infrastructure from scratch.
Who is sending the payment?
Who is sending the payment?
Initiating Account
Initiating Account
I am paying on behalf of an entity
I am paying on behalf of an entity
Who is receiving the payment
Who is receiving the payment
Currency
Currency
GBP
GBP
Recipient
Recipient
Add new recipient
Add new recipient
Your Beneficiaries
Your Beneficiaries
Michael Omoregha
Michael Omoregha
GBP
GBP
**** 6727
**** 6727
Atinuke Olumegbon
Atinuke Olumegbon
GBP
GBP
**** 9483
**** 9483
Cancel
Cancel
Continue
Continue
otc
otc
Access institutional grade FX from your dashboard or API
Access institutional grade FX from your dashboard or API
Access institutional grade FX from your dashboard or API
HarpFi’s OTC (Over-the-Counter) desk gives your business direct access to deep liquidity and custom rates for high-volume conversions.
HarpFi’s OTC (Over-the-Counter) desk gives your business direct access to deep liquidity and custom rates for high-volume conversions.
Real-time rates
View live OTC quotes and execute trades instantly
View live OTC quotes and execute trades instantly
Dashboard execution
Trade directly within your HarpFi dashboard, with full transaction visibility and reporting.
Trade directly within your HarpFi dashboard, with full transaction visibility and reporting.
API integration
Automate large conversions or schedule FX through the HarpFi API — ideal for platforms, PSPs, and treasury teams.
Automate large conversions or schedule FX through the HarpFi API — ideal for platforms, PSPs, and treasury teams.
Fully Regulated. Always Protected
Fully Regulated. Always Protected
Your money stays yours. Always.
Your money stays yours. Always.
license
HarpFi is FCA-regulated and client funds are safeguarded in segregated tier-one bank accounts. Security isn’t a feature — it’s the foundation.
HarpFi is FCA-regulated and client funds are safeguarded in segregated tier-one bank accounts. Security isn’t a feature — it’s the foundation.
INDUStries
Made for businesses that move the world
Our infrastructure supports regulated and non-regulated entities that move capital globally. Join businesses that trust HarpFi for faster settlements, better rates, and total transparency.
Financial Institutions
From private banks to payment processors, our comprehensive liquidity offerings cater to the diverse needs of financial institutions.
Fintechs
We enable you to offer fast and cost-effective remittance services to your customers, enhancing their financial mobility while maximizing your operational efficiency.
Corporate Enterprises
Whether you're managing multinational supply chains or conducting cross-border investments, our platform provides the flexibility and reliability you need to succeed in the global marketplace.
INDUStries
Made for businesses that move the world
Our infrastructure supports regulated and non-regulated entities that move capital globally. Join businesses that trust HarpFi for faster settlements, better rates, and total transparency.
Financial Institutions
From private banks to payment processors, our comprehensive liquidity offerings cater to the diverse needs of financial institutions.
Fintechs
We enable you to offer fast and cost-effective remittance services to your customers, enhancing their financial mobility while maximizing your operational efficiency.
Corporate Enterprises
Whether you're managing multinational supply chains or conducting cross-border investments, our platform provides the flexibility and reliability you need to succeed in the global marketplace.
INDUStries
Made for businesses that move the world
Our infrastructure supports regulated and non-regulated entities that move capital globally. Join businesses that trust HarpFi for faster settlements, better rates, and total transparency.
Financial Institutions
From private banks to payment processors, our comprehensive liquidity offerings cater to the diverse needs of financial institutions.
Fintechs
We enable you to offer fast and cost-effective remittance services to your customers, enhancing their financial mobility while maximizing your operational efficiency.
Corporate Enterprises
Whether you're managing multinational supply chains or conducting cross-border investments, our platform provides the flexibility and reliability you need to succeed in the global marketplace.
How we help businesses keep more of their money
How we help businesses keep more of their money
How we help businesses keep more of their money
Leveraging HarpFi for our payment management has been a breath of fresh air. Their platform simplifies what was once complicated cross-border transactions, and their consistently excellent support is another major plus.
Leveraging HarpFi for our payment management has been a breath of fresh air. Their platform simplifies what was once complicated cross-border transactions, and their consistently excellent support is another major plus.
CEO
Paystro
Grow across markets, not spreadsheets
Whether you’re an established fintech or scaling business, HarpFi lets you open accounts, manage FX, and settle payments across entities — all from one API-driven platform.
Grow across markets, not spreadsheets
Whether you’re an established fintech or scaling business, HarpFi lets you open accounts, manage FX, and settle payments across entities — all from one API-driven platform.
Grow across markets, not spreadsheets
Whether you’re an established fintech or scaling business, HarpFi lets you open accounts, manage FX, and settle payments across entities — all from one API-driven platform.
© 2025 crossbeam financial services
Have a complaint?
Crossbeam Financial Services Ltd. trading as HarpFi (10338529) is regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 938488).
Registered address: 66-68 Radclyffe House, Hagley Road, Birmingham, B16 8PF, United Kingdom.
© 2025 crossbeam financial services
Have a complaint?
Crossbeam Financial Services Ltd. trading as HarpFi (10338529) is regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 938488).
Registered address: 66-68 Radclyffe House, Hagley Road, Birmingham, B16 8PF, United Kingdom.
© 2025 crossbeam financial services
Have a complaint?
Crossbeam Financial Services Ltd. trading as HarpFi (10338529) is regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 938488).
Registered address: 66-68 Radclyffe House, Hagley Road, Birmingham, B16 8PF, United Kingdom.