Echo Money
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A Single API for Every Global Payment Method

Start Moving Money Integrate with your Business

Accept 215+ local payment methods across 110+ countries through a single, fully compliant, and white-labelled API.

215+ Payment methods
110+ Countries
Global

Global

GLOBAL · Multi-currency

🌍

Supported rails

SWIFT Visa Mastercard

Integration

One Endpoint. Every Rail.

Give customers the flexibility to pay the way they already do.

Call POST /v1/payouts. Provide the amount, beneficiary and destination currency. Echo Money automatically routes the payment through the fastest and cheapest local rail (like PIX, SEPA, or UPI) for you.

Interbank conversion. Enjoy mid-market FX rates with completely transparent pricing. Our pre-trade quotes are signed and locked in, so what you see is exactly what pays out.

Settlement in seconds. Funds land instantly. Track everything seamlessly with live tracing, unique reconciliation IDs, and instant webhook updates.

View API documentation
create_payment.js
// Initiate a cross-border payment
const echo = require('@echomoney/sdk');
const client = new echo.Client({
  apiKey: process.env.ECHO_API_KEY
});
const payment = await client.payments.create({
  from: { accountId: 'acct_sg_7xK9mP', currency: 'SGD' },
  to: { accountId: 'acct_mx_3nR2wQ', currency: 'MXN' },
  amount: 1000,
  rail: 'auto', // Echo picks optimal rail
  idempotencyKey: 'pay_20240318_001'
});
// → { id: 'pmt_9xK2p...',
// status: 'settled',
// rate: 'mid-market',
// settled_in: '<1m' }

The Old vs The Now

Stop stitching together dozens of banks

Traditional stitch-together Echo Money
Integration time 6–18 months per country Days, one contract
Rails covered SWIFT correspondent chain 215+ local rails, instant
FX pricing Opaque 2–3% markup Interbank, signed quote
Reconciliation Manual, multi-platform Single ledger, webhooks
Settlement 3–5 business days < 1m on instant rails

Why accepting local payments matters?

Increase conversion rates. Offer familiar payment methods that encourage customers to complete their purchases.

Improve payment acceptance rates. Optimize payment performance with the right mix of local rails, cards, and wallets.

Build customer trust. Provide payment experiences that feel local, secure, and familiar.

Reach more customers globally. Support regional payment preferences and unlock new markets.

Reduce cart abandonment. Remove payment friction at checkout and minimize drop-offs.

Deliver a better payment experience. Enable faster, simpler, and more reliable payments for every customer.

coverage footprint

Precise movement, at planetary scale.

Echo Money is built on institutional-grade security. We handle global compliance and continuous AML screening while keeping your funds completely safeguarded.

It's a single, ironclad standard that protects your money wherever it goes.

FINTRAC MSB. Canada AML / CFT aligned
110+ Countries
215+ Payment methods
70+ Currencies
11 Regions

Move money to anyone, anywhere, on any rail.

Start accepting payment with a single API across the globe with 215+ local payment methods that convert. Talk to our solutions team for a routing map tailored to your corridors.

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