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 provider to process international transfers.

Supported currencies

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

Code	Country	Name	Reception	Emission
AED	United Arab Emirates	United Arab Emirates Dirham
ARS	Argentina	Argentine Peso
AUD	Australia	Australian Dollar
BGN	Bulgaria	Bulgarian Lev
BHD	Bahrain	Bahraini Dinar
BRL	Brazil	Brazilian Real
CAD	Canada	Canadian Dollar
CHF	Switzerland	Swiss Franc
CLP	Chile	Chilean Peso
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
IDR	Indonesia	Indonesian Rupiah
ILS	Israel	Israeli Shekel
INR	India	Indian Rupee
JPY	Japan	Japanese Yen
KRW	South Korea	South Korean Won
KWD	Kuwait	Kuwaiti Dinar
MAD	Morocco	Moroccan Dirham
MXN	Mexico	Mexican Peso
MYR	Malaysia	Malaysian Ringgit
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
UYU	Uruguay	Uruguayan Peso
ZAR	South Africa	South African Rand
EUR	Europe (SEPA)	Euro

Fees management

International transfers come with fees from all the actors:

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

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).

Best practice – You must expose the fees to your end users

You are legally obliged to expose the fees you plan on collecting with P2P Transfers when emitting international transfers.

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.

Emitted International Transfers Beta

Emitting an international transfer requires an international beneficiary and a quote before making the payout request.

Requirements

• The sender's User must be valid and not frozen
• The sender's Wallet must be valid and allow for international transfers
• You have created an active International Beneficiary at least 48 hours before

Processing flow

Creating a Quote

Prerequisites – You have an internationalBeneficiaryId

You have created an active International Beneficiary at least 48 hours before.

Before sending money internationally, you must request a Quote.

The Quote tells you exactly how much the transfer will cost, the exchange rate applied, and when the funds will arrive. This rate is guaranteed for 30 minutes (see expirationTime), giving the user a window to accept or reject the transfer conditions.

Request example

Endpoint: /v1/quote

CURL

curl -X POST '{baseUrl}/v1/quote' \
	--header 'Authorization: Bearer {accessToken}' \
	--header 'Content-Type: application/json' \
	-d '{payload}'

Here is an example of {payload}:

JSON

{
    "internationalBeneficiaryId": "550e8400-e29b-41d4-a716-446655440000",
    "sourceAmount": "1000",
    "sourceCurrency": "EUR",
    "targetCurrency": "USD"
}

Returns the Quote object.

JSON

{
  "quotes": [
    {
      "quoteId": "b8a2f1e4-7d3c-4e8a-92b1-5f0c9a6d4211",
      "userId": 123456,
      "sourceAmount": "123.45",
      "sourceCurrency": "EUR",
      "targetAmount": "121.98",
      "targetCurrency": "USD",
      "rate": "1.4",
      "fees": {
        "transferwise": 1,
        "payIn": 1,
        "discount": 1,
        "partner": 1,
        "total": 1
      },
      "createdDate": "2026-01-23T14:30:00Z",
      "estimatedDelivery": "2026-01-29T14:30:00Z",
      "rateExpirationDate": "2026-01-23T14:30:00Z",
      "expirationDate": "2026-01-22T15:00:00Z"
    }
  ]
}

You can now create the international transfer with the received quoteId.

Initiating the Payout

Parameters

Below are the main attributes to create an International Transfer Payout.

Attribute	Type	Description
payoutTypeId	integer	Value must be 4 for International Transfers.
walletId	integer	The unique identifier of the debited Wallet.
internationalBeneficiaryId	integer	The unique identifier of the International Beneficiary of the Transfer. You must have created the International Beneficiary object 48 hours beforehand.
quoteId	string	The unique identifier of the Quote.
amount	number	The amount of the credit transfer. Specific mock values must be used in Sandbox, see Emulation article.
currency	string	The currency of the credit transfer. Must be EUR.
accessTag	string	A unique identifier used to enforce Idempotency.

Request example

Endpoint: /v1/payouts

CURL

curl -X POST {baseUrl}/v1/payouts \
	--header 'Authorization: Bearer {accessToken}' \
	--header 'Content-Type: application/json' \
	-d '{payload}'

Here is an example of {payload}:

JSON

{
    "payoutTag": "PAY-INVOICE-29383",       // max. 250 characters
    "accessTag": "{guid}",                  // max. 250 characters
    "walletId": 44921,
    "payoutTypeId": 4,
    "quoteId": "b8a2f1e4-7d3c-4e8a-92b1-5f0c9a6d4211",
    "internationalBeneficiaryId": "550e8400-e29b-41d4-a716-446655440000",
    "amount": "1000.00",
    "label": "January Marketing Invoice",
    "supportFileLink": "https://[...]/inv_8821.pdf"
}

Returns a Payout object with the payoutTypeId value to 4 and its payoutStatus set to PENDING at first. You will then receive sequentially the following webhooks.

Webhook	When	Specific attributes
payout.create	The international transfer is created.	PENDING status
payout.update	The international transfer is successful, the wallet is debited.	VALIDATED status
payout.canceled	The international transfer has failed.	CANCELED status

Tip – Specific mock values for AML & Fraud checks compliance

In Sandbox, you can emulate compliant or non-compliant international payouts by using the mock values. See Emulation article.