Thunes
Thunes is a cross-border payments network that connects businesses to local payment methods through an API or existing Swift infrastructure.
What Thunes is
Thunes is a cross-border payments network that connects businesses to local payment methods through an API or existing Swift infrastructure. It supports payouts to bank accounts, mobile wallets, cards, cash pickup, and stablecoin wallets, as well as acceptance of mobile wallet, bank, voucher, and BNPL payments. Thunes states that its network reaches 140 countries, supports 90 currencies and 220 payment methods, and connects more than 720 members. It reports access to 4 billion mobile and stablecoin wallets, 8 billion bank accounts, and 15 billion cards. The platform provides transaction processing and retrieval, account management, and discovery services through REST APIs. Businesses can track transactions in real time, receive payment confirmations, and view transaction insights; Thunes says 85% of payments settle immediately or in real time. SmartX Treasury provides FX management across 90 currencies. The company says it is licensed in 50 markets and complies with PCI DSS and ISO 27001. Pricing is not published as a general rate card; fees are specified during onboarding or in an Order Document and vary by service, volume, corridor, and risk.
Good
- Supports payouts to bank accounts, wallets, cards, and cash pickup.
- Connects through REST APIs or existing Swift infrastructure.
- Provides real-time tracking and payment confirmations.
- SmartX Treasury manages FX across 90 currencies.
Watch out
- General rate card is not provided.
- Fees vary by service, volume, corridor, and risk.
- Onboarding takes a few weeks.
Who it suits
Thunes serves banks, neobanks, payment providers, wallets, money transfer operators, digital asset businesses, marketplaces, and payroll or EOR providers. It suits organizations that need cross-border payouts or local payment acceptance through API or Swift connections.
Verdict
Thunes offers businesses a broad set of cross-border payout and payment acceptance methods, with API and Swift connectivity. Fees are set during onboarding or in an Order Document rather than published as a general rate card.
Plans and prices
From Thunes's own pricing page, checked 2 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Thunes payment services | Priced on request | Fees specified in an Order Document or provided during onboarding; transaction fees vary by service, volume, corridor and risk |
The facts
Each one read from Thunes's own pages, with the date it was checked.
What it does
- API
- Thunes provides REST APIs for transaction processing and retrieval, account management and discovery services.checked 2 Oct 2026
- Compliance
- Thunes says it is licensed in 50 markets and offers embedded risk controls through Fortress Compliance.checked 2 Oct 2026
- Connectivity
- Financial institutions can connect through direct APIs or existing Swift infrastructure.checked 2 Oct 2026
- Coverage
- Thunes states that it reaches 140 countries, 90 currencies and 220 payment methods.checked 1 Oct 2026
- Endpoints
- Thunes says its network reaches 4 billion mobile and stablecoin wallets, 8 billion bank accounts and 15 billion cards.checked 1 Oct 2026
- Implementation support
- Thunes says onboarding takes a few weeks and includes support from a dedicated Solutions Delivery team.checked 1 Oct 2026
- Integration
- Customers can connect through API or Swift.checked 1 Oct 2026
- Payment acceptance
- Thunes supports acceptance of mobile wallets, bank payments, digital vouchers and BNPL payments.checked 1 Oct 2026
- Payment API
- Its platform provides access to global payment methods through a single API.checked 1 Oct 2026
- Payment speed
- Thunes states that 85% of payments on its network settle immediately.checked 2 Oct 2026
- Payment types
- The network supports payouts to bank accounts, mobile wallets, cards, cash pickup and stablecoin wallets, as well as local payment acceptance.checked 2 Oct 2026
- Payouts
- Thunes supports payouts to mobile wallets, stablecoin wallets, bank accounts and cards.checked 1 Oct 2026
- Pricing terms
- Fees are specified in an Order Document, presented during onboarding, displayed on the website, or agreed in writing; the page does not provide a general rate card.checked 2 Oct 2026
- Product
- Thunes provides a global cross-border payments network connecting businesses to local payment methods through direct connections.checked 2 Oct 2026
- Reach
- The Direct Global Network states that it reaches more than 720 members across 140 countries and supports 90 currencies and 220 payment methods.checked 2 Oct 2026
- Regulatory licences
- Thunes states that it is licensed by MAS in Singapore, FCA in the UK and ACPR in France, and registered with FinCEN in the US.checked 1 Oct 2026
- Reporting
- The platform provides real-time transaction tracking, instant payment confirmations and detailed transaction insights.checked 1 Oct 2026
- Security
- Thunes says it is ISO 27001 and PCI DSS certified and describes measures including encryption, access controls and security monitoring.checked 2 Oct 2026
- Settlement
- Thunes states that 85% of payments settle immediately or in real time.checked 1 Oct 2026
- Support
- For banks and neobanks, Thunes describes implementation workshops and a dedicated team that supports customers after launch.checked 2 Oct 2026
- Target customers
- Thunes lists banks, neobanks, mobile wallets, payment service providers, money transfer operators, digital asset companies, e-commerce, gig platforms, and payroll and EOR providers as customer groups.checked 2 Oct 2026
- Transparency
- Thunes says customers can track payments in real time and see pricing and FX fees.checked 2 Oct 2026
The company
- Founded
- 2016checked 28 Sep 2026
- Headquarters
- Singaporechecked 28 Sep 2026
Alternatives to Thunes
- 1
Plane Contractor Management
Free planWebAPI7.6From $19 a month - 2
Ontop
AndroidiOSWebAPI7.4 - 3
Wise
Free planAndroidiOSWeb7.4Free plan - 4
RazorpayX Payouts
AndroidiOSWebAPI7.3₹5 one-time - 5
Trolley
WebAPI7.0From $699 a year - 6
Gusto
AndroidiOSWebAPI6.9From $49 a month