Ebury

Ebury combines business accounts, payments and collections, mass payments and corporate cards with a full currency hedging product line and supplier payment financing, alongside APIs, software integrations and embedded finance.

The hedging range is what separates Ebury from a payments provider and it is genuinely complete: spot foreign exchange and limit orders, forward contracts, options contracts, non-deliverable forwards and formal hedging policies. An importer agreeing a price today for delivery in six months carries currency risk that can erase the margin on the contract, and managing that needs instruments rather than a good transfer rate.

Non-deliverable forwards are the specialist inclusion worth noting, because they cover currencies that cannot be freely delivered offshore, which is exactly where a business trading with emerging markets is most exposed and least able to hedge through an ordinary provider.

Supplier payment finance closes the other gap. A business that has hedged its currency exposure still has a working capital problem if suppliers want paying before customers pay, and a provider that can both settle the payment and finance it removes a second relationship. Hedging policies as a named service reflect that this requires governance rather than opportunistic trading, and getting that wrong turns risk management into speculation. Ebury Connect covers APIs, software integrations and embedded finance. Rates are not published.