Cross-Border Payment Configurator

Build a cross-border payment and watch the chain, the charges and the final amount change. The default is the classic worked example: USD 25,000, charges SHA, Wells Fargo deducts USD 20, Bank of New York Mellon deducts USD 22, and the beneficiary receives USD 24,958.00. Change any control to replay the payment a different way. All charges shown are illustrative example tariffs, not standard fees: correspondent and originator charges are commercial tariffs that vary by bank, agreement, amount, route and service level. The correspondent banks shown are illustrative examples for the chosen currency; real correspondent selection follows bilateral agreements and standard settlement instructions, not currency alone. The beneficiary bank own fee is excluded from this simplified model, so the amount credited to the beneficiary account equals the amount received by the beneficiary bank here. Since 22 November 2025 the CBPR+ coexistence period has ended: pacs.008 (replacing MT103) and pacs.009 COV (replacing MT202 COV) are the current cross-border formats, and MT103 / MT202 COV are legacy formats shown here only for reference.