www.inpay.com Open in urlscan Pro
104.20.75.10  Public Scan

Form analysis
8 forms found in the DOM

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<form><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonNecessaryInline" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelButtonDisabled" disabled="disabled" checked="checked"> <span
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---

<form><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonPreferencesInline" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox" data-target="CybotCookiebotDialogBodyLevelButtonPreferences"
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---

<form><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonStatisticsInline" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox" data-target="CybotCookiebotDialogBodyLevelButtonStatistics"
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---

<form><input type="checkbox" id="CybotCookiebotDialogBodyLevelButtonMarketingInline" class="CybotCookiebotDialogBodyLevelButton CybotCookiebotDialogBodyLevelConsentCheckbox" data-target="CybotCookiebotDialogBodyLevelButtonMarketing" checked="checked"
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---

<form class="CybotCookiebotDialogBodyLevelButtonSliderWrapper"><input type="checkbox" id="CybotCookiebotDialogBodyContentCheckboxPersonalInformation" class="CybotCookiebotDialogBodyLevelButton"> <span
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---

POST /news-and-insights/opportunities-in-cross-border-payment-services-for-financial-institutions/?utm_medium=email&_hsenc=p2ANqtz-9Z7hjwJw3InDe4BymZU6dbdot2u2OTmVIjVRjJmRAkojsQDcAKUxSYE060pik7kc69QrS-CcnKIe-ZNGM4JGUSRY6Gsw&_hsmi=304952510&utm_content=304952510&utm_source=hs_email#gf_4

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        <legend class="gfield_label gform-field-label gfield_label_before_complex">Consent</legend>
        <div class="ginput_container ginput_container_consent"><input name="input_4.1" id="input_4_4_1" type="checkbox" value="1" aria-describedby="gfield_consent_description_4_4" aria-invalid="false"> <label
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        <div class="gfield_description gfield_consent_description" id="gfield_consent_description_4_4">I agree to receiving occasional marketing communication from Inpay, including updates on our products and services. I am aware that I can withdraw
          this consent at any time by contacting Inpay or unsubscribing via email. I have read and agree to Inpay processing my personal data in accordance with its <a href="/privacy-policy">Privacy Policy</a>.</div>
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</form>

---

POST /news-and-insights/opportunities-in-cross-border-payment-services-for-financial-institutions/?utm_medium=email&_hsenc=p2ANqtz-9Z7hjwJw3InDe4BymZU6dbdot2u2OTmVIjVRjJmRAkojsQDcAKUxSYE060pik7kc69QrS-CcnKIe-ZNGM4JGUSRY6Gsw&_hsmi=304952510&utm_content=304952510&utm_source=hs_email#gf_8

<form method="post" enctype="multipart/form-data" target="gform_ajax_frame_8" id="gform_8"
  action="/news-and-insights/opportunities-in-cross-border-payment-services-for-financial-institutions/?utm_medium=email&amp;_hsenc=p2ANqtz-9Z7hjwJw3InDe4BymZU6dbdot2u2OTmVIjVRjJmRAkojsQDcAKUxSYE060pik7kc69QrS-CcnKIe-ZNGM4JGUSRY6Gsw&amp;_hsmi=304952510&amp;utm_content=304952510&amp;utm_source=hs_email#gf_8"
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  <div class="gf_invisible ginput_recaptchav3" data-sitekey="6Lf-MxkpAAAAAPXhdQrcZgdCuTZozj_LYNfVLW5y" data-tabindex="0"><input id="input_04beee060f6fcbb0256cf55c52eefd80" class="gfield_recaptcha_response" type="hidden"
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  <div class="gform-body gform_body">
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          class="gfield_label gform-field-label" for="input_8_1">Email<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
        <div class="ginput_container ginput_container_email">
          <input name="input_1" id="input_8_1" type="email" value="" class="large" placeholder="Email" aria-required="true" aria-invalid="false">
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      </div>
      <div id="field_8_3" class="gfield gfield--type-text gfield_contains_required field_sublabel_below gfield--no-description field_description_below gfield_visibility_visible" data-js-reload="field_8_3"><label class="gfield_label gform-field-label"
          for="input_8_3">First Name<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
        <div class="ginput_container ginput_container_text"><input name="input_3" id="input_8_3" type="text" value="" class="large" placeholder="First Name" aria-required="true" aria-invalid="false"> </div>
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          for="input_8_4">Last Name<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
        <div class="ginput_container ginput_container_text"><input name="input_4" id="input_8_4" type="text" value="" class="large" placeholder="Last Name" aria-required="true" aria-invalid="false"> </div>
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          class="gfield_label gform-field-label" for="input_8_5">Message<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></label>
        <div class="ginput_container ginput_container_textarea"><textarea name="input_5" id="input_8_5" class="textarea small" placeholder="Message" aria-required="true" aria-invalid="false" rows="10" cols="50"></textarea></div>
      </div>
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        data-js-reload="field_8_7">
        <legend class="gfield_label gform-field-label gfield_label_before_complex">Consent<span class="gfield_required"><span class="gfield_required gfield_required_text">(Required)</span></span></legend>
        <div class="ginput_container ginput_container_consent"><input name="input_7.1" id="input_8_7_1" type="checkbox" value="1" aria-describedby="gfield_consent_description_8_7" aria-required="true" aria-invalid="false"> <label
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            class="gform_hidden"></div>
        <div class="gfield_description gfield_consent_description" id="gfield_consent_description_8_7">I agree to receiving payment news and trends from Inpay, including updates to our products and services. I am aware that I can withdraw this
          consent at any time by contacting Inpay or unsubscribing via email. I agree to Inpay processing my personal data in accordance with its <a href="/privacy-policy">Privacy Policy</a>.</div>
      </fieldset>
    </div>
  </div>
  <div class="gform_footer top_label"> <input type="submit" id="gform_submit_button_8" class="gform_button button" value="Submit"
      onclick="if(window[&quot;gf_submitting_8&quot;]){return false;}  if( !jQuery(&quot;#gform_8&quot;)[0].checkValidity || jQuery(&quot;#gform_8&quot;)[0].checkValidity()){window[&quot;gf_submitting_8&quot;]=true;}  "
      onkeypress="if( event.keyCode == 13 ){ if(window[&quot;gf_submitting_8&quot;]){return false;} if( !jQuery(&quot;#gform_8&quot;)[0].checkValidity || jQuery(&quot;#gform_8&quot;)[0].checkValidity()){window[&quot;gf_submitting_8&quot;]=true;}  jQuery(&quot;#gform_8&quot;).trigger(&quot;submit&quot;,[true]); }">
    <input type="hidden" name="gform_ajax" value="form_id=8&amp;title=&amp;description=1&amp;tabindex=0&amp;theme=gravity-theme">
    <input type="hidden" class="gform_hidden" name="is_submit_8" value="1">
    <input type="hidden" class="gform_hidden" name="gform_submit" value="8">
    <input type="hidden" class="gform_hidden" name="gform_unique_id" value="">
    <input type="hidden" class="gform_hidden" name="state_8"
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</form>

---

Text Content

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THIS WEBSITE USES COOKIES

We use cookies to personalise content and ads, to provide social media features
and to analyse our traffic. We also share information about your use of our site
with our social media, advertising and analytics partners who may combine it
with other information that you’ve provided to them or that they’ve collected
from your use of their services. If you want to choose between each of the
cookies used, please click on the fan “Details“ above.

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 * Necessary 13
   
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   page navigation and access to secure areas of the website. The website cannot
   function properly without these cookies.
    * Cookiebot
      2
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      1.gifUsed to count the number of sessions to the website, necessary for
      optimizing CMP product delivery.
      Expiry: SessionType: Pixel
      CookieConsentStores the user's cookie consent state for the current domain
      Expiry: 1 yearType: HTTP
    * Google
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      test_cookieUsed to check if the user's browser supports cookies.
      Expiry: 1 dayType: HTTP
      rc::aThis cookie is used to distinguish between humans and bots. This is
      beneficial for the website, in order to make valid reports on the use of
      their website.
      Expiry: PersistentType: HTML
      rc::cThis cookie is used to distinguish between humans and bots.
      Expiry: SessionType: HTML
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      li_gcStores the user's cookie consent state for the current domain
      Expiry: 180 daysType: HTTP
      bscookieThis cookie is used to identify the visitor through an
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      Expiry: 1 yearType: HTTP
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      Expiry: 1 dayType: HTTP
      _cfuvid [x3]This cookie is a part of the services provided by Cloudflare -
      Including load-balancing, deliverance of website content and serving DNS
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 * Statistics 20
   
   Statistic cookies help website owners to understand how visitors interact
   with websites by collecting and reporting information anonymously.
    * Google
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      collectUsed to send data to Google Analytics about the visitor's device
      and behavior. Tracks the visitor across devices and marketing channels.
      Expiry: SessionType: Pixel
      _gaRegisters a unique ID that is used to generate statistical data on how
      the visitor uses the website.
      Expiry: 2 yearsType: HTTP
      _ga_#Used by Google Analytics to collect data on the number of times a
      user has visited the website as well as dates for the first and most
      recent visit.
      Expiry: 2 yearsType: HTTP
      _gatUsed by Google Analytics to throttle request rate
      Expiry: 1 dayType: HTTP
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      the visitor uses the website.
      Expiry: 1 dayType: HTTP
      tdRegisters statistical data on users' behaviour on the website. Used for
      internal analytics by the website operator.
      Expiry: SessionType: Pixel
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      _hjSession_#Collects statistics on the visitor's visits to the website,
      such as the number of visits, average time spent on the website and what
      pages have been read.
      Expiry: 1 dayType: HTTP
      _hjSessionUser_#Collects statistics on the visitor's visits to the
      website, such as the number of visits, average time spent on the website
      and what pages have been read.
      Expiry: 1 yearType: HTTP
      _hjTLDTestRegisters statistical data on users' behaviour on the website.
      Used for internal analytics by the website operator.
      Expiry: SessionType: HTTP
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      __hsscIdentifies if the cookie data needs to be updated in the visitor's
      browser.
      Expiry: 1 dayType: HTTP
      __hssrcUsed to recognise the visitor's browser upon reentry on the
      website.
      Expiry: SessionType: HTTP
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      data on visitor behaviour for statistical purposes.
      Expiry: 180 daysType: HTTP
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      obtain data on visitor behaviour for statistical purposes.
      Expiry: 180 daysType: HTTP
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      third-party analysis service.
      Expiry: 30 daysType: HTTP
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      sn_global_countdown_last_reset_timestampSets a timestamp for when the
      visitor entered the website. This is used for analytical purposes on the
      website.
      Expiry: PersistentType: HTML
      SNSSets a unique ID for the session. This allows the website to obtain
      data on visitor behaviour for statistical purposes.
      Expiry: SessionType: HTTP
    * analytics.sleeknote.com
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      2
      (unnamed) [x2]Registers statistical data on users' behaviour on the
      website. Used for internal analytics by the website operator.
      Expiry: SessionType: Pixel
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      ziwsSessionCollects statistics on the user's visits to the website, such
      as the number of visits, average time spent on the website and what pages
      have been read.
      Expiry: SessionType: HTML
      ziwsSessionIdCollects statistics on the user's visits to the website, such
      as the number of visits, average time spent on the website and what pages
      have been read.
      Expiry: SessionType: HTML

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      lastExternalReferrerDetects how the user reached the website by
      registering their last URL-address.
      Expiry: PersistentType: HTML
      lastExternalReferrerTimeDetects how the user reached the website by
      registering their last URL-address.
      Expiry: PersistentType: HTML
      _fbpUsed by Facebook to deliver a series of advertisement products such as
      real time bidding from third party advertisers.
      Expiry: 3 monthsType: HTTP
    * Google
      6
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      IDEUsed by Google DoubleClick to register and report the website user's
      actions after viewing or clicking one of the advertiser's ads with the
      purpose of measuring the efficacy of an ad and to present targeted ads to
      the user.
      Expiry: 1 yearType: HTTP
      pagead/landing [x2]Collects data on visitor behaviour from multiple
      websites, in order to present more relevant advertisement - This also
      allows the website to limit the number of times that they are shown the
      same advertisement.
      Expiry: SessionType: Pixel
      pagead/1p-conversion/#/Pending
      Expiry: SessionType: Pixel
      pagead/1p-user-list/#Tracks if the user has shown interest in specific
      products or events across multiple websites and detects how the user
      navigates between sites. This is used for measurement of advertisement
      efforts and facilitates payment of referral-fees between websites.
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UNLOCKING NEW REVENUE STREAMS: OPPORTUNITIES IN CROSS-BORDER PAYMENT SERVICES
FOR FINANCIAL INSTITUTIONS

21 March 2024

HOW TO MAKE THE MOST OF THE CROSS-BORDER PAYMENT OPPORTUNITY.



Cross-border payments are on the up and up, driven by the globalization of labor
and supply chains and digitisation of commerce. Global cross-border payments are
expected to increase from $190 trillion in 2023 to a massive $290 trillion by
2030, according to one study.

However, all is not well in cross-border payment land. International transfers
often take too long and cost too much, certainly when compared to domestic
transfers. What’s more, it’s not always clear where the funds are and when
they’ll arrive either.

That being said, the way people and businesses move money cross-border is
changing. The development of new real-time banking rails and new networks is
creating new opportunities in cross-border payment services for financial
institutions. But at the same time, disintermediation threats from fintechs, Big
Tech and global brands.

We examine and size up various cross-border payment use cases, consider the
benefits and drawbacks, plus how to realize the opportunities.

NEW RAILS, NEW NETWORKS, NEW OPPORTUNITIES

There are now more than 70 domestic, instant or real-time payment systems around
the world. Overall global instant payment transactions volumes grew 63% in 2022
to reach a new high of 195 billion transactions, according to a 2023 report.

By 2027, real-time payments are expected to account for 27% of all electronic
payments globally, up from 18% in 2022. This will be a mix of new volumes and
existing payment volumes displaced from slower, less efficient methods, such as
debit and credit cards, batch ACH and cash.

It’s not about the same old payments done faster. Or necessarily new payments
infrastructure for new payment infrastructure’s sake. Rather, it’s about how
businesses can utilize new payment rails and networks to create new value-added
products and services for customers.

CROSS-BORDER PAYMENT USE CASES AND SIZING

Opportunities for better, faster cross-border payments exist in
consumer-to-consumer, consumer-to-business, business-to-business and
business-to-consumer sectors as follows:

CONSUMER-TO-CONSUMER (C2C)

Helping consumers move money across national borders in real time is principally
about remittances, where migrant workers send money home. Or account-to-account
transfers where consumers move money between their own accounts in different
countries.

Remittances to low- and middle-income countries grew an estimated 3.8% in 2023
to nearly $670 billion, according to the World Bank. Remittance costs remain
persistently high, costing 6.2% on average to send $200 in Q2 2023.

Banks continue to be the costliest channel for sending remittances (with an
average cost of 12.1%), followed by post offices (7%), money transfer operators
(5.3%) and mobile operators (4.1%). So, there’s a real opportunity for new
entrants to add value with a faster, cheaper remittance offering to more
countries.

CONSUMER-TO-BUSINESS (C2B)

Capitalizing on the C2B cross-border flow opportunities includes facilitating
e-commerce and marketplacepurchases from consumers. But also, iGaming pay-ins,
investments via trading platforms, charitable donations and in-person travel and
tourism spend when consumers visit foreign countries.

E-commerce marketplaces are on course to become the largest as well as the
fast-growing B2C retail channel globally. By 2027, B2C marketplace sales, where
funds flow from consumers to businesses, will account for 58% of e-commerce
sales, up from 56% in 2022. B2B marketplace growth could well eclipse this.

Meanwhile, the global iGaming industry will be worth nearly $184 billion by
2032, an increase of over 85% from the estimated $63.5 billion in 2023. The size
of the global digital investments market is expected to reach$3.3 trillion by
2027, and the NGO and charitable sector $330 billion in 2024, growing to $410
billion in 2028. Significant flows in these areas mean significant opportunities
for cross-border propositions.

BUSINESS-TO-BUSINESS (B2B)

Helping businesses pay workers and clients in real time includes everything from
payouts to gig workers, freelancers and payroll for salaried employees.
Employers can also offer earned wage access schemes to let employees draw down
on their forthcoming pay packet in advance.

World Bank data shows that the global gig economy accounts for 12% of the global
labor market, generating revenue in the trillions of dollars. Meanwhile, $9.5
billion in wages were accessed early in the US in 2020, up from $3.2 billion in
2018.

Other B2B cross-border use cases include e-commerce marketplaces paying sellers,
card acquirers paying merchants, and lending platforms paying borrowers. Again,
speed is only one aspect of the proposition for these cross-border
opportunities.

BUSINESS-TO-CONSUMER (B2C)

Making cross-border payments to customers gives them fast, secure access to
refunds, insurance claims, gaming and lottery wins, dividends and interest
payments and more. Also scope to process government payouts, such as salaries to
international employees or social benefits.

Cross-border disbursements great and small represent a sizeable opportunity for
financial institutions.

BENEFITS OF CROSS-BORDER PAYMENTS

The main advantages of cross-border payments to financial institutions are:

 * Increase revenue – diversifying into cross-border payments allows financial
   institutions to earn incremental revenue from new customers in new countries
   and payment corridors.
 * Cut costs – some cross-border payments can be more cost-effective than
   traditional SWIFT transfers, allowing financial institutions to save on
   transaction, FX and other fees.
 * Improve business – expanding the offer to international markets helps reduce
   reliance on domestic markets, diversify and future-proof business.

DRAWBACKS OF CROSS-BORDER PAYMENTS

The main disadvantages of cross-border payments to financial institutions are:

 * Operational inefficiencies – the more payment methods supported, the more
   time, resources and budget required to manage and maintain them.
 * Cost – it’s not always possible to know up front how much cross-border
   payments will cost, plus rates can vary depending on the sending and
   receiving currency, provider and other factors.
 * Regulation – KYC/AML and sanction-screening requirements differ from country
   to country and change frequently, which can be confusing and time-consuming
   to navigate.

CHARACTERISTICS OF A GOOD CROSS-BORDER PAYMENT SOLUTION

Cross-border payments must be as fast, simple and efficient as local bank
transfers. They must be flexible, allowing single or recurring payments, plus a
choice of connection methods: API, SWIFT, File Upload or customized by API.

Any cross-border payment solution must also be cost-efficient, with fee known up
front and payments arriving in full without deductions. And last but not least,
transfers must comply with all regulations and be safe, with advanced screening,
real-time monitoring and online payment tracking.

HOW INPAY CAN HELP

 Inpay’s proprietary network of global financial institutions makes its quicker,
safer and more cost-effetive to send money internationally compared to SWIFT
wire transfers, money service businesses and cash couriers.

Since 2008, Inpay has helped financial institutions, iGaming operators, NGOs and
others move money to the right places quickly, easily and securely. Our network
covers 200+ countries and gives real-time access to 36 countries via our instant
SEPA solution, as well as to the UK with GBP and other local payment offerings.

Our smart technology, innovative products, robust compliance and 200 in-house
experts from 45+ countries deliver industry-leading transaction success rates.
Regulated by the Danish FSA, Inpay has been recognised as Denmark’s
fastest-growing company, and Europe’s fastest-growing fintech.

Contact us at sales@inpay.com to find out how we could help you accelerate your
business growth.


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OPPORTUNITIES AND THREATS: THE IMPACT OF OPEN BANKING 

Mon 29 April 2024

On the face of it, regulatory and technical frameworks may not sound very
exciting. And payment infrastructure perhaps even less so. But what if we were
to talk about better bank payments, more joined-up money and personalized
services?

Read more about Opportunities and threats: the impact of Open Banking 


10 NGO PAYMENT CHALLENGES, CAUSES AND POSSIBLE CURES

Tue 2 April 2024

We examine the ten biggest payment pain points for NGOs and suggest possible
cures. Diagnosing payment problems and understanding the causes can help NGOs
seek the right treatment and potential cures.

Read more about 10 NGO payment challenges, causes and possible cures


HOW NGOS CAN CRACK THE INTERNATIONAL PAYMENT CODE

Mon 25 March 2024

Trying to navigate the maze of requirements to send funds abroad can seem like
Mission Impossible for NGOs. Know-your-customer (KYC) and anti-money laundering
(AML) checks differ from country to country. As do sanctions regimes and
documentation requirements.

Read more about How NGOs can crack the international payment code

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