Bank refused the FX payment
Compliance stop, returned payment, requests for additional documents that cannot be provided within the current structure.
Payment Agent
International payments when the standard route doesn't work
We handle settlements with foreign counterparties through an agency model — when the bank refuses, the currency is unavailable, or the payment chain needs to look different. We select a route, agree the structure, execute the payment, and follow it through to crediting.
When we step in
Four typical situations where the standard payment route fails.
No FX revenue, only RUB on hand
You need to pay a foreign supplier, but you have no FX on your accounts — and bank conversion is either unavailable or unworkable.
Counterparty in a "complex" jurisdiction
Direct payment is blocked at the correspondent level; routing through a friendly jurisdiction is required.
Tight delivery deadline
The supplier requires prepayment, the cargo is ready to ship, and the bank is delaying review or has refused.
What's included
Full cycle — from deal analysis to monitoring funds credited to the recipient.
Counterparty and jurisdiction analysis
We verify the recipient, their correspondent bank, and regulatory constraints.
Route selection
We work through options via friendly jurisdictions and align with correspondent banks.
Agency contract
We prepare a commission agreement and supporting documents that meet your bank's and tax authority's requirements.
Payment execution
We accept your RUB settlement and execute the FX payment to the recipient.
Monitoring until credited
We track the payment via SWIFT, respond to compliance queries, and follow it through to crediting.
Closing documents
Service acceptance act, agent's report, documents for currency control.
What we don't do
To save time on the first call — we set the boundaries upfront.
We don't process payments to addresses under sanctions.
We don't work on deals without a real underlying good or service.
We don't help circumvent tax or currency control regulations.
We don't give guarantees on outcomes that depend on correspondent banks or regulators — but we do put the scope of our responsibility in writing.
Geography and currencies
We work across most active foreign trade corridors. The exact route is set after analysing the deal.
Recipient jurisdictions
China, UAE, Türkiye, India, EAEU countries, CIS, Southeast Asia. Other destinations on request.
Settlement currencies
USD, EUR, CNY, AED, TRY, INR, KZT. Currency choice and conversion are decided during route selection.
PROCESS
How the deal is coordinated
Each colour marks a single role — who is involved, how the payment flows, and which documents are issued at each step.
PARTIES
01
RU Importer
Your company. Initiates the deal and pays in roubles.
Karavan
Non-resident agent
Receives RUB, converts and transfers FX to the supplier.
03
Counterparty
Sub-agent. Handles the FX transfer to the foreign supplier.
04
Supplier
Foreign company. Receives payment in its own currency.
MONEY FLOWS
₽ RUB flow
Importer → Non-resident agent
1.Payment orderImporter issues a RUB payment order
2.CreditingRoubles credited to the non-resident agent's account
3.ConfirmationAgent confirms receipt; the request is closed
€ / $ / ¥ FX flow
Agent → Counterparty → Supplier
1.Payment orderAgent issues an FX payment order to the counterparty
2.TransferCounterparty transfers funds to the supplier
3.Invoice settlementSupplier receives funds; shipment proceeds
PAPERWORK
Core contracts
Agency agreement
Importer ↔ Agent
Direct contract
Importer ↔ Supplier
Tripartite agreement
Importer ↔ Agent ↔ Counterparty
Operational
Contract requests
For each separate deal
Agent's reports
After payment completion
Sub-agency agreement
Agent ↔ Counterparty
From counterparties
Supplier invoice
Basis for payment
Shipment confirmation
After payment receipt
Goods declaration
When crossing the Russian border
How we work
From the first review to crediting — five steps with clear timing.
- 01
Deal review
We review the contract, counterparty, currency, and urgency. We tell you whether our format fits.
1–2 business days - 02
Model and quote
We propose a route, jurisdictions, and agency structure. We fix the price and timing in a written offer.
2–3 business days - 03
Contract and documents
We sign the agency contract. We prepare invoices and supporting documents to meet your bank's requirements.
1–2 business days - 04
Payment execution
We accept your RUB settlement and execute the FX payment. We handle compliance queries.
Depends on the route - 05
Closing
We deliver the agent's report, acceptance act, and currency control documents. We help close the deal at your bank.
3–5 business days after crediting
Case from practice
All details are anonymised — client confidentiality matters more than a portfolio.
Payment agent: USD → RUB structure
Situation
A Russian importer received a bank refusal on a direct FX payment to its supplier. The contract was at risk, the supplier required prepayment in USD, and the importer had no FX revenue.
What we did
We structured an agency model: a RUB settlement from the client to us, then an FX payment to the supplier through an agreed route. We prepared the agency contract, invoices, and supporting documents to meet both banks' requirements.
Result
Payment was executed within the agreed timeline; the contract was preserved. The client moved subsequent deals to the same model.
Frequently asked questions
Yes. We operate under an agency model through a commission agreement — a standard structure under the Russian Civil Code. All settlements pass through the banking system with open documentation and proper currency control closure. We don't take deals without a real underlying good or service, and we don't process payments to sanctioned addresses.
The fee depends on currency, recipient jurisdiction, urgency, and deal size. We fix it in a written offer after the initial analysis — no hidden mark-ups or "as-incurred" charges.
Crediting depends on the chosen route and the recipient's bank. On standard corridors — 2 to 7 business days from our payment. On more complex jurisdictions we discuss it case by case and put a target in the offer.
Main corridors are China, UAE, Türkiye, India, EAEU, CIS, and Southeast Asia. Other destinations are reviewed on request — after the initial analysis we tell you whether we can take the deal.
Contract with the supplier (or a draft), invoice, recipient's banking details. At the second step — your company's incorporation documents and the signed agency contract. The full list is fixed in the offer.
The terms of refund and the scope of our responsibility are fixed in writing in the offer. We don't guarantee outcomes that depend on correspondent banks, but we commit to either returning funds promptly or agreeing an alternative route.
Describe your deal — we'll come back with a working model
Initial assessment is free of obligation. Within 1–2 business days you'll get a clear answer: whether our approach fits and how we can help.