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Resources & Press

We understand that the world of payments can be a confusing space to navigate through. Our resource centre is designed to help you not only better understand the industry, but also to share best practices that you can take advantage of.

Press Releases

Top Growing Companies

Ascendant featured on The Globe and Mail’s third-annual ranking of Canada’s Top Growing Companies

Ascendant is pleased to announce it is one of the companies featured on the 2021 Report on Business ranking of Canada’s Top Growing Companies.

Uk Announcement Graphic

Ascendant announces expansion into the UK

Ascendant today announced the expansion of their global operations with an entry into the UK market.

SWIFT X AFX AdobeStock_278471924 [Converted]

Ascendant Introduces Payment Tracking Through SWIFT gpi

Ascendant will leverage SWIFT gpi to further enhance its customer platform aPay and its API capabilities, improve payment delivery, and provide greater transparency for customers.

Payee Intel Press Release

AscendantFX Debuts New Product - Payee Intel

Payee Intel greatly diminishes the number of returns and investigations associated with
international payments, improves the efficiency of collecting payee banking details, and reduces the overall cost of sending international


AscendantFX Launches SchedulePay, a New International Payments Tool for Businesses to Schedule Payments in Advance

SchedulePay saves organizations time by enabling quick and easy B2B and B2C payment processing for payments at a future date.

Resources & Press

AscendantFX Proudly Co-Sponsored the Fédération des Tonneliers de France (French coopers) Congress, Held in the United States for the First Time

 It was the first time the Congress was held outside of France in order to acknowledge and pay tribute to the American partnerships that are essential to their success in the export barrel market, and to show gratitude to local clients in the United States.


AscendantFX CBC Radio One

Our Senior FX Dealer, Tony Valente, recently spoke with CBC Radio One regarding the latest interest rate decision as well as monetary policy report.


AscendantFX connects with Fiserv to enhance customer-centric international payments capabilities for financial institutions

New integration puts customer needs first when it comes to international payments.



AscendantFX Announces Express Check Solution For Items Drawn on Canadian Financial Institutions

Financial institutions can now achieve wide range of cost savings and efficiencies

Resources & Press

AscendantFX Makes The Case for Wire Transfer

CEO Jason Mugford is featured in PYMNTS.com, where he talked about the opportunities in wire transfer.


AscendantFX launches the world’s first B2B payment mobile app for IOS and Android

APay Mobile lets you manage, approve and make payments right in your hand. Anytime and Anywhere.


Industry Today Paying in USD Internationally

Paying Internationally in USD Could be Costly

Debbie Nowak, VP of Global Payment Solutions, discusses how manufacturers can save money and time on international payments by eliminating cross border US dollar payments.

Vendor Mgmt

How to Handle That Mountain of Payees

Victor Hinojosa, VP of Partnerships for Ascendant, shares tips for organisations facing vendor management challenges with Franchising USA.

Decline of Checks

The Decline of Checks

Ascendant's Director of Treasury, Sava Ruljic, examines how checks are becoming a dead technology, and how to move your payments into the digital age.

The Future of B2B Payments

Evaluating the Future of B2B Payments

Ramnath Ramhit, Sales Team Lead for Ascendant in the UK, closes out 2020 with a look to what 2021 may have in store for B2B payments.

Risk Reduction

How Should Businesses Offset Risk Surrounding International Payments?

Tony Valente, Senior FX Trader, discusses how to create a foreign exchange payments risk reduction strategy.


Why FinTechs Are Game-Changers for Global Payroll in 2020

Mike Shamburg, VP of Global Payment Solutions, discusses the benefits for payroll companies when working with FinTechs. 


Making the Impossible Possible Through Partnerships

Dan Caputo, AFX Vice President of Global Payment Solutions, discusses how building partnerships with FinTech companies and third-party service providers can allow credit unions to offer more innovative products and services.


Reduce Your Risk of Financial Fraud                                   

Canadian Business


Digital Disruption

What the franchise industry can take away from the food delivery app wars - by Victor Hinojosa, VP of Partnerships


Four Disruptive Payment Trends to Watch 

Our CEO Jason Mugford writes about the most disruptive payment trends to watch for in the Payments Business Magazine 


How Financial Institution Can Play to their Strengths by Collaborating with Fintechs

Our VP Global Payment Solutions, Dan Caputo discusses the power of collaboration between financial institutions and fintech companies with Payments Journal.


Partnerships Promote Better Service - Bank, Fintech and Core Combines to provide enhanced Client Experience

Our VP Global Payment Solutions, Dan Caputo was featured in Wisconsin Banker where he talked about the benefit of partnerships.



Mobility™ - Magazine of Worldwide ERC®

How to Control Cost through Customer-centric Payroll solutions. Technology and processes that provide procedural efficiency and employee confidence.  By Mike Shamburg, VP Global Payment Solutions. 


Compliance Clears the Road for Business 

This column is part of the Globe Careers' Leadership Lab Series


A Former Mountie's War on Bank Fraud

Global Banking and Finance



Processing International Items Through the Lockbox Provisional Credit Vs. Final Collection (White Paper)

What's the best way to clear checks for your customers that can help manage the risks for both of you


Sending International Wire or ACH 

Advise your client on which electronic payment is the best option for their needs

Latest Blog Posts

weekly-dispatch- oct 26

Weekly Dispatch - November 23, 2020

"It's Back"

For the second consecutive week, the NZD is the top performing currency. Last week, the kiwi caught a bid after the RBNZ left rates unchanged, left their bond buying program unchanged, and introduced a new loan facility... Read more

weekly-dispatch- oct 26

Weekly Dispatch - October 26, 2020

"The Long, Long Wait"

There is little doubt that most market participants, watching the endless talks on a proposed American stimulus package and marking time until the US federal election next week, are feeling quite virtuous these days... Read more

weekly-dispatch- oct 19

Weekly Dispatch - October 19, 2020

"Bitcoin & The Great Reset"

Any time the Japanese yen is the top performing currency for the week, you know that the mood of the market is risk aversion, aka “Risk Off”. The resurgence of Covid-19 cases in several countries is frightening governments into lockdowns and will likely lead to Q4 growth downgrades... Read more

weekly-dispatch- oct 13

Weekly Dispatch - October 13, 2020

"The Rollercoaster"

Market participants were certainly taken on a wild ride last week. The tiresome coronavirus has reached all the way into the White House with President Donald Trump’s hospitalization last week... Read more

weekly-dispatch- sept 21

Weekly Dispatch - September 28, 2020

"The Wall of Worry"

Veteran traders and investors approach the latter part of September and the month of October with a large degree of trepidation, as historically those two months have seen near-catastrophic equity market sell-offs..  Read more

weekly-dispatch- sept 21

Weekly Dispatch - September 21, 2020

"Babies not Money"

I’m going to let you in on a little secret: there’s not going to be a V-shaped recovery. Shocking, isn’t it? Economic reports from most of the major economies continue to show that the pace of the Covid recovery has slowed... Read more

weekly-dispatch- sept 14

Weekly Dispatch - September 14, 2020

"Brexit Renege"

The NZD, CAD, and GBP had the largest percentage move over the last week against the USD. On the end of the spectrum, the countries with negative interest rates outpaced the majors. It is a little counterintuitive: the reason they led was due to carry trade unwind during risk off period.. Read more

weekly-dispatch- sept 8

Weekly Dispatch - September 18, 2020

"Where the "Jobs" Are*"

Surprisingly good employment numbers emerged last Friday on both sides of the border, suggesting the North American economy may be shaking off the ill effects of the pandemic shutdown in the second quarter... Read more

weekly-dispatch- aug 31

Weekly Dispatch - August 31, 2020

"This Time We'll Get it Right"

"Promise. PROMISE." Noted physicist Albert Einstein once remarked that insanity consists of doing the same thing over and over and expecting a different result... Read more

weekly-dispatch- aug 17

Weekly Dispatch - August 17, 2020

"Signs of Life?"

Following my colleague’s excellent technical analysis of the currency markets last week (2k Asks: Where’s the V?) it appears that, after a long hiatus, fundamental analysis of the economy may now be appropriate... Read more

weekly-dispatch- aug 10

Weekly Dispatch - August 10, 2020

"2k Asks: Where's the V?"

There wasn’t a lot of movement in the major currencies last week: only three quarters of one percent separate the best from the worst. The price action may have marked an inflection point (more on that later) but first, let’s look at the two outliers... Read more

weekly-dispatch- aug 4

Weekly Dispatch - August 4, 2020


In recent months it has become increasingly clear – if it wasn’t already – that central banks are calling the shots in global capital markets. It hasn’t always been this way, of course... Read more

weekly-dispatch- july 27

Weekly Dispatch - July 27, 2020

"Dollar Interlude"

In the 1999 movie The Matrix, Morpheus offers Neo a choice between taking either a "red pill" that reveals an unpleasant truth or taking a "blue pill" to remain in blissful ignorance. Can you guess which one the USD is choking on?... Read more

weekly-dispatch- july 20

Weekly Dispatch - July 20, 2020


Noun; the process of becoming like Japan, i.e. with vast government debts, ultra-low interest rates, near-deflation, and minimal economic growth.

It has taken a little over thirty years, since the collapse of the Japanese asset bubble in 1989, for the economic policies of Japan to be adopted by virtually all advanced economies... Read more

weekly-dispatch- july 20

Weekly Dispatch - July 6, 2020

"The Numbers Don't Lie..."

…but they can be subject to interpretation. Since the official declaration of the COVID-19 pandemic in March, fundamental measures of the economy (such as joblessness, inflation, retail sales and the like) have been largely ignored. The recently ended second quarter of 2020 was such an unmitigated economic disaster that the aforesaid metrics were, frankly, meaningless.. Read more

weekly-dispatch- july 13

Weekly Dispatch - July 13, 2020

"Cross to Bear"

The USD under-performed against the majors last week, except versus the CAD. The CAD was down a third of a cent against the greenback and is the worst performing currency on the one-year time frame with a loss of 3.75%. The CAD traded between 1.3850 - 1.4200 from April to mid-May and then bottomed at 1.33 in the first week of June... Read more

weekly-dispatch- july 6

Weekly Dispatch - July 6, 2020

"The Numbers Don't Lie..."

…but they can be subject to interpretation. Since the official declaration of the COVID-19 pandemic in March, fundamental measures of the economy (such as joblessness, inflation, retail sales and the like) have been largely ignored. The recently ended second quarter of 2020 was such an unmitigated economic disaster that the aforesaid metrics were, frankly, meaningless.. Read more

weekly-dispatch- june 29

Weekly Dispatch - June 29, 2020

"The Unthinkable"

With only 1% separating the best and worst performers, major currencies traded in a narrow range last week as risk sentiment took a punch in the gut. The risk off mode started last Sunday when China hawk, Peter Navarro, replied, “it’s over” to a Fox News reporter asking about the Phase 1 trade deal... Read more

weekly-dispatch- may 25

Weekly Dispatch - June 8, 2020

"Surprise! Surprise!"

We have long found it gratifying to see economists and market pundits proven incorrect in pessimistic forecasts. Not just wrong, but completely wrong.  Last Friday’s employment statistics on both sides of the border was one of those all-too-rare occasions... Read more

weekly-dispatch- june 1

Weekly Dispatch - June 1, 2020

"Golden Rule"

Almost every currency was up against the USD last week on continued risk appetite in global equity markets as global economies gradually move to reopen after coronavirus shutdowns. Month-end adjustments to portfolio hedges after a monthly rally in May for US equities also weighed on the USD... Read more

weekly-dispatch- may 25

Weekly Dispatch - May 25, 2020

"Are We There Yet"

The past week witnessed an escalation in Sino-US trade tensions, an aggressive stance taken by Chinese authorities with respect to Hong Kong, and a surprise economic announcement by, again, the Chinese government.  Any one of these three actions would be tension-provoking; all three coming in the same week suggests a crisis atmosphere.. Read more

weekly-dispatch- may 19

Weekly Dispatch - May 19, 2020

"Golden Rule"

Risk sentiment was the prevailing market force last week in the currency market. It was a risk-off mood in the equity markets, which favours the USD and currencies that have negative interest rates such as the swiss franc, euro, and yen. Sentiment was soured by news that the trade war was back... Read more

weekly-dispatch- may 4

Weekly Dispatch - May 4, 2020

"The Reopening - Sell in May"

After the Great Lockdown comes the slow and staggered reopening in North America, the European Union, and parts of Asia. This should also mark the peak in economic contraction as all those downward sloping charts of economic indicators over the past couple of months should stop looking like downhill ski slopes and start to form a bottom. This does not mean that the data will stop being shocking, since the incoming data lags the economic activity on the ground. .... Read more

weekly-dispatch-april  27

Weekly Dispatch - April 27, 2020


The past several weeks have certainly been an eye-opener. Massive declines in equity markets followed by robust rallies, government spending at near-incomprehensible levels along with central bank easing (read: money-printing), and nothing has been more surprising than crude oil (the ‘black gold’ of commodities) trading at a negative price. What’s going on here? Let’s take a closer look... Read more

weekly-dispatch-april 20

Weekly Dispatch - April 20, 2020

"The Great Lockdown"

It’s official, they have a name for it now. The worst economic downturn since the Great Depression, caused by the coronavirus pandemic, has been labeled the Great Lockdown by the International Monetary Fund. In its semi-annual report, the IMF estimates that global gross domestic product will shrink 3% this year, far worse than the 0.01% contraction amid the Global Financial Crisis of 2008. ... Read more

weekly-dispatch-april 14

Weekly Dispatch - April 14, 2020

"What's Next?"

There is a widely quoted Chinese saying: “may you live in interesting times”. Such are the times in which we now find ourselves. Consequently, fundamental analysis of corporations and the economy in general are largely pointless at present. Given the extreme uncertainty in the economy, many companies are cancelling their forward guidance– and who can blame them?... Read more

weekly-dispatch-april 6

Weekly Dispatch - April 6, 2020

"Act II: It's Not Pretty"

Act I of the COVID-19 pandemic has played out. The “shoot first ask questions later” deleveraging of assets caused the Federal Reserve and other central banks around the world to move aggressively to ease the disruption in the financial markets..... Read more

weekly-dispatch-march 30

Weekly Dispatch - March 30, 2020

"Bazooka Joe"

Bazooka (n; a short-range anti-tank rocket launcher)

Last week, the preferred metaphor of the financial media was “bazooka”. Although it was overused, it accurately described the actions of governments and central banks in dealing with the economic fallout of the ongoing coronavirus epidemic. Let’s take a brief look at what our betters were up to... Read more

COVID-19 Update

COVID-19 Update

As a payments provider, AscendantFX is considered an "essential" service, and therefore is not required to close. However, we have decided to move all operations to remote/work-from-home structure for the foreseeable future.  Read more

weekly-dispatch-march 9

Weekly Dispatch - March 9, 2020

"More Than Words"

Last Friday, Federal Reserve Chairman Jerome Powell issued a rare unscheduled statement while the markets were still open.. Read more

weekly-dispatch-march 2

Weekly Dispatch - March 2, 2020

"Hitting the Panic Button"

Last week saw a classic herd response in the capital markets, with players selling everything in sight and seeking the safety of treasury bonds or other fixed-income instruments. Risk off would be a suitable description. This was indeed a massive move, sparked by growing (and, to a degree, irrational) fears of COVID-19, a.k.a. coronavirus.... Read more


Weekly Dispatch - February 24, 2020

"Supply Chain Contagion"

Two weeks ago, we discussed how the market was struggling to price in what's happening with the Novel Coronavirus (COVID-19) outbreak, since the knock-on effects were still unknown.. Read more


Weekly Dispatch - February 18, 2020

"The First Casualty"

Last week witnessed a slew of secondary economic releases in America, along with some Fedspeak from Fed chair Jay Powell, a complete lack of Canadian news (other than the ongoing rail blockades and traffic disruptions), and uncertainty about the coronavirus outbreak, now officially named COVID-19.  Let’s sort it out and see what we can learn.... Read more


Weekly Dispatch - February 3, 2020

"Known Unknowns & C."

Donald Rumsfeld, the erstwhile secretary of defense in the George W. Bush administration, famously remarked about ‘known knowns’, ‘known unknowns’ and ‘unknown unknowns’. While this statement was widely ridiculed at the time, it was actually a rather clever observation, quite applicable to the current uncertainty plaguing national governments and global markets.. Read more

cyber-crime-tech-support-jan 2020

Weekly Dispatch - January 27, 2020

"Thermonuclear Pandemic"

Some scientists are calling it a “thermonuclear pandemic” (quite a terrifying piece of vocabulary in today’s hyper-connected world), but it remains to be seen if the new coronavirus will live up to the name.  Read more


Weekly Dispatch - January 20, 2020

"False Front?"

The past week witnessed numerous positive economic developments and a slew of upbeat numbers in the US. However, lurking behind the happy-faced news are some troubling indicators: some obvious, others not so plain. Let’s take a closer look, shall we... Read more

cyber-crime-tech-support-jan 2020

Cyber-Crime Blog Series

"Wolves in Sheep's Clothing: Tech Support Fraud"

We trust that Tech Support will save us [...] Sadly, this kind of blind trust is the perfect tool for con artists. Read more


Weekly Dispatch - December 16, 2019

"Done, Done, and (kinda) Done"

Last week witnessed a veritable housecleaning of sorts, with some major nagging issues resolved (or at least moving forward). Let’s take a look, shall we... Read more

weekly-dispatch- july 6

Weekly Dispatch - July 6, 2020

"The Numbers Don't Lie..."

…but they can be subject to interpretation. Since the official declaration of the COVID-19 pandemic in March, fundamental measures of the economy (such as joblessness, inflation, retail sales and the like) have been largely ignored. The recently ended second quarter of 2020 was such an unmitigated economic disaster that the aforesaid metrics were, frankly, meaningless.. Read more

FAQs & Definitions


International Glossary 

The world of international payments can be confusing.  Use this glossary to make sense of the payment vocabulary



Search our 'frequently asked questions' guide for answers to some of the most common questions our experts hear.

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