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Accept International
Payments

Receive international payments faster and with lower fees than major banks and merchant providers.

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Global Trade Made Easy

Our receivables platform, aPay, helps you to trade with international clients efficiently.

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Access New Markets

Trade with clients, receiving international payments to over 210 countries and territories.

Reduce-Costs-ICON

Reduce Transaction Costs

International payments are received in local currency, avoiding conversion fees.

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Receive Faster Payments

Accept international payments as quickly as the same day.

Solutions Optimized For Global Businesses

aPay is the leading international payments and receivables platform from Ascendant

Virtual Accounts

Receive international payments in your local currency effortlessly. Your virtual account, with its unique account number, enables you to accept payments locally, eliminating the need for a physical presence in your payee’s country.

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Real-Time Exchange Rates

Real-Time Exchange Rates

International payments accepted using real-time foreign exchange rates. Capitalize on the most favorable rates at the time of transaction and avoid paying the high conversion fees often charged by merchant service providers.

Fast Transactions

International payments are received directly into your local account more efficiently. Funds from payees in North America and Europe arrive on the same day, while payments from Asia are received by the next day.

Fast-Transactions

What People Are Saying About Us

4-1
"Our previous bank was too big to care or think outside the box. Now, Ascendant’s team works with us to find solutions that work, such as using APIs to instantly book and buy rates.”

CEO

AUTOMOTIVE EXPORTER
4-1

“We trust Ascendant because we can always reach someone who knows our business. Their team goes above and beyond, offering practical guidance not just on FX, but on payments and banking overall.”

 

TREASURY MANAGER

FITNESS EQUIPMENT SUPPLIER
4-1

“Ascendant gives us faster, more transparent FX with significantly lower costs than traditional providers. Their team feels like a true partner, and that consistency and commitment really stand out.”

HEAD OF PAYABLES

GLOBAL FINTECH COMPANY
4-1

“We get quotes almost instantly, even for more complex currencies, and execution is always reliable. The platform is simple to use, and the team is incredibly responsive when we need support.”

NORTH AMERICAN TREASURER

INTERNATIONAL CONSULTING FIRM
4-1

“Ascendant has played a key role in helping us advance our technology. Their team is incredibly responsive and works alongside us to build solutions that fit our needs.”

DIRECTOR OF FINANCE

GLOBAL RELOCATION COMPANY
4-1

“We trust Ascendant because they’re always available and easy to work with. The platform is intuitive, and reporting and vendor management are simple to maintain.”

DIRECTOR OF FINANCE & ACCOUNTING

LUXURY CRUISE LINE

FAQs

Receiving international business payments should be simple. If you can’t find the answer you’re looking for here, contact us

 

Will the virtual account be in my business’ name?

Yes. When you open an account with us, it will be registered and operated under your business’ name.

Can my customers pay me in their preferred currency?

Yes. We support payments in over 130+ currencies, so your customers can pay the way that’s easiest for them—and you receive funds quickly, with no surprise fees.

How do I reconcile incoming payments in different currencies?

Our online platform, aPay, provides real-time reporting and automated reconciliation tools. You’ll always know who paid, how much, and when it landed—no spreadsheets or guesswork required.

Do I need a local bank presence to receive international funds?

No. Ascendant enables you to receive international payments without opening local bank accounts. Our virtual accounts and global network handle collection and settlement for you. A virtual account is a foreign currency account that lets your business receive international payments as if you had a local bank account in that country. It’s held in your name and doesn’t require a physical presence or local entity.

How fast can I access received funds?

In most cases, you’ll have access to received funds the same day or by the next business day—timing depends on the currency and country involved. Our global payment network is built for speed, with local clearing in over 210 countries and territories. That means your funds get to you fast, without getting held up in banking limbo.

The Latest International Payments Insights

Stay ahead of the curve with news and expert commentary that takes your business forward.

Streamline Receivables Operations with FTNI and ETran

Streamline Receivables Operations with FTNI and ETran

Finance teams are under pressure to move faster, reduce errors, and keep up with growing payment volume. Manual posting, disparate systems, and limited visibility make it harder to manage receivables efficiently and confidently..

by • February 10, 2026 04: 04: 00 AM

The Davos Revolt and the Warsh Rescue

The Davos Revolt and the Warsh Rescue

Before diving into the geopolitical shifts at Davos, we must look at the scoreboard. January was a rare unanimous month where every major currency gained significant ground against the USD. While the USD’s “benign neglect” provided the baseline, these specific factors amplified the moves: ....

by • February 3, 2026 04: 04: 00 AM

Year-End Report Card

Year-End Report Card

2025 delivered a broad-based setback for the USD, which declined against all major currencies. Year to date, the greenback is down 14.46% against the Swiss franc, 13.36% against the euro, 7.81% against the Australian dollar, 7.54% against the British pound, 4.81% against the Canadian....

by • January 6, 2026 04: 04: 00 AM