International Transfers Beta

International transfers allow you to receive and send funds internationally (outside the SEPA network), and thus in different currencies.

Configuration – International Transfers are not enabled by default

Please contact Treezor if you're interested in this feature.

Introduction

The International Transfer feature allows you to send and receive funds globally, in the supported countries and currencies.

An international transfer usually takes 1 to 6 business days to reach the beneficiary’s account. This delay varies depending on the opening schedules and international wire cut-off times of the bank you deal with. Treezor relies on a third-party and the SWIFT Network to process international transfers.

Supported currencies

Treezor currently supports the following currencies for international transfers. Please note this list may change over time.

Currency Code	Countries	Currency Name
AED	United Arab Emirates	United Arab Emirates Dirham
AUD	Australia	Australian Dollar
BGN	Bulgaria	Bulgarian Lev
BHD	Bahrain	Bahraini Dinar
CAD	Canada	Canadian Dollar
CHF	Switzerland	Swiss Franc
CNY	China	Chinese Yuan
CZK	Czech Republic	Czech Koruna
DKK	Denmark	Danish Krone
GBP	United Kingdom	Pound Sterling
HKD	Hong Kong	Hong Kong Dollar
HUF	Hungary	Hungarian Forint
ILS	Israel	Israeli Shekel
JPY	Japan	Japanese Yen
KWD	Kuwait	Kuwaiti Dinar
MAD	Morocco	Moroccan Dirham
MXN	Mexico	Mexican Peso
NOK	Norway	Norwegian Krone
NZD	New Zealand	New Zealand Dollar
OMR	Oman	Omani Rial
PLN	Poland	Polish Zloty
QAR	Qatar	Qatari Riyal
RON	Romania	Romanian Leu
RSD	Serbia	Serbian Dinar
SAR	Saudi Arabia	Saudi Riyal
SEK	Sweden	Swedish Krona
SGD	Singapore	Singapore Dollar
THB	Thailand	Thai Baht
TND	Tunisia	Tunisian Dinar
TRY	Turkey	Turkish Lira
USD	United States	US Dollar
ZAR	South Africa	South African Rand
EUR	Europe (SEPA)	Euro

Fees management

International transfers come with fees from all the actors:

• Included in each transfer – Issuance fees, correspondent fees, and exchange fees.
• Charged by Treezor – Each month, as agreed upon in your contract with Treezor.

To mitigate your costs, you can collect fees from your end users regarding International Transfers by using Wallet-to-Wallet (P2P) Transfers with the dedicated transferType value (3).

Received International Transfers

Exchange rates

Treezor Wallets are euro-denominated; therefore, the wallet is always credited in euros when receiving an international transfer.

Exchange rates are handled as follows:

• If the originating bank sends a euro-denominated operation to Treezor, then the originating bank has already applied its exchange rate.
• If the originating bank sends a non-euro-denominated operation to Treezor, Treezor’s exchange rate applies.

Detailed information regarding the exchange rate and applied fees is available in the additionalData object of the Payin.

Processing flow

When receiving an International Transfer, Treezor operates controls on the transfer before accepting it.

You can receive the following webhooks for an international transfer.

Event		Status	Description
payin.create		PENDING	Treezor receives an International Transfer.
payin.update		VALIDATED	Treezor accepts the International Transfer.
payin.cancel		CANCELED	Treezor rejects the International Transfer.

Webhooks diagram

The Received International Transfer Payin object

JSON

{
    "payins": [
        {
            "payinId": "0049e4d5-7510-4765-974e-66fba1233a06",
            "payinTag": "",
            "payinStatus": "VALIDATED",
            "codeStatus": "",
            "informationStatus": "",
            "walletId": "12345678",
            "userId": "12345678",
            "cartId": null,
            "walletEventName": "main account",
            "walletAlias": "main-account-123",
            "userFirstname": "Alex",
            "userLastname": "Oak",
            "messageToUser": "messageTesting",
            "paymentMethodId": "28",
            "subtotalItems": "",
            "subtotalServices": "",
            "subtotalTax": "",
            "amount": "1.23",
            "currency": "EUR",
            "distributorFee": null,
            "createdDate": "2025-09-20 21:07:21",
            "createdIp": null,
            "paymentHtml": null,
            "paymentLanguage": null,
            "paymentPostUrl": null,
            "paymentPostDataUrl": null,
            "paymentAcceptedUrl": null,
            "paymentWaitingUrl": null,
            "paymentRefusedUrl": null,
            "paymentCanceledUrl": null,
            "paymentExceptionUrl": null,
            "ibanFullname": "ALEX OAK",
            "ibanId": null,
            "ibanBic": "BIC-REVOFRP2XXX",
            "ibanTxEndToEndId": "aa002083-1705-46cd-98cf-04a5bb467afc",
            "ibanTxId": null,
            "refundAmount": "",
            "forwardUrl": "",
            "payinDate": "2025-09-19",
            "mandateId": 0,
            "creditorName": "CHRIS WILLOW",
            "creditorAddressLine": "165 Pine street, PARIS 75007",
            "creditorCountry": "FR",
            "creditorIban": "FR7616798000010001661493000",
            "creditorBIC": "1",
            "virtualIbanId": 0,
            "virtualIbanReference": "",
            "totalRows": null,
            "DbtrIBAN": "FR4912739000506642887939D34",
            "additionalData": [
                "{\"fees\":[{\"currency\":\"CAD\",\"type\":\"conversion\",\"value\":0.01},{\"currency\":\"CAD\"},{\"currency\":\"CAD\"}],\"exchange\":{\"instructed_currency\":\"CAD\",\"exchange_rate\":0.615915,\"instructed_value\":2}}"
            ]
        }
    ]
}

Key attributes

Below are some of the few Payin attributes specificities for received international transfers.

Attribute	Type	Description
paymentMethodId	string	The type of payin. The value is 28 for international transfers
DbtrIBAN	string	The account number of the transfer issuer. In the international system, this number may refer to an IBAN, BBAN, etc.
additionalData	array	Contains all the information regarding the fees, currency, and exchange rate of the international transfer. See the Additional data section below for more information.
ibanBic	string	The concatenation of the type of bank code and its value. Example: BIC-CMCIFRPAXXX
ibanTxEndToEndId	string	The unique End-to-End Transaction Reference (UETR). This is a reference shared by all parties involved in the payment chain. It allows the transaction to be identified throughout the network.
payinDate	string	The date on which Treezor received the international transfer. Format: YYYY-MM-DD
createdDate	string	The date on which the transfer was carried out. Format: YYYY-MM-DD HH:mm:ss

API – API Reference available

For a complete list of Payin attributes, check the Payins section of the API Reference.

Additional data (additionalData)

Information regarding fees, currency, and exchange rate are contained in the additionalData.

Attribute	Type	Description
fees.currency	string	The currency in which the fees were charged.
fees.type	string	The type of fees. When using the Treezor International Transfer feature, the type is always valued to conversion.
fees.value	number	The amount of the fees, expressed in the fees.currency.
exchange.exchange_rate	number	The exchange rate applied.
exchange.instructed_currency	string	The currency in which the transfer was initially processed.
exchange.instructed_value	number	The amount of the transfer expressed in its initial currency (exchange.instructed_currency). This value doesn't take into account fees the emitting bank applies.

Return of a received International Transfer

When receiving an International Transfer, Treezor might not be able to credit the wallet.

It can occur when, for instance:

• The beneficiary wallet is closed;
• The beneficiary wallet is incorrect;
• The International Transfer was made in an unsupported currency.

In such cases, Treezor sends you a payin.cancel webhook, with the reason specified in the informationStatus.