{"id":570993,"date":"2026-02-02T16:17:48","date_gmt":"2026-02-02T16:17:48","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=570993"},"modified":"2026-04-07T10:58:29","modified_gmt":"2026-04-07T09:58:29","slug":"5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/business-banking\/5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them","title":{"rendered":"5 payment roadblocks killing your global growth (and how to fix them)"},"content":{"rendered":"<style>\n.f1Masthead { padding-top: 0px; padding-bottom: 40px; }\n.f1Masthead__top { justify-content: center; }\n.f1Masthead__wrapper { margin-bottom: 0px; }\n.f1Masthead__mainSection { text-align: center; padding-top: 0px; }\n.f1Masthead__disclaimer, .f1__calculator.f1Masthead__sub, .previous-next-post, h4.luna-sectionTitle, .readMoreOnTopic, .usefulness-widget-content, .search-desktop { display: none !important; }\n.authorByline { justify-content: center; 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}\n#thread .messager { background: #ff73a9; margin-left: auto; margin-right: 0px; text-align: right; border-bottom-right-radius: 0; }\n@media (max-width: 1300px) { #threadpeople { width: 640px; max-width: 90%; } #threadpeople::after { content: ''; display: block; padding-bottom: 65%; } .threadperson { width: 56%; } }\n@media (max-width: 600px) {\n.ukfin_sponsored_article_body .ukfin_sponsor .u-grid__col { text-align: center; }\n.ukfin_sponsored_article_step .ukfin_sponsored_article_next_step_arrow { bottom: -30px; width: 90px; }\n}\n<\/style>\n\n<div class=\"u-bg--background-secondary\">\n<div class=\"ukfin_sponsored_article_body has-padding-top-xsmall has-padding-bottom-small text-center\">\n<p class=\"text-xx-small no-margin-bottom\">Paid for by:<\/p>\n<a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/worldfirst-multicurrencybusinessaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22image%22%3A%22https%253A%252F%252Fcdn.finder.com.au%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2026%252F01%252Fworld_first_logo.png%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22UKFSA%22%2C%22style%22%3A%22width%253A%2B100px%253B%22%2C%22offer_id%22%3A%2226513%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22eb09fe18-70ad-4435-83f6-8e7af74363ab%22%2C%22product_name%22%3A%22WorldFirst%2BMulti-Currency%2BBusiness%2BAccount%22%2C%22provider_id%22%3A%22f3e95ab1-44cc-42f8-8347-68a2086ab5e2%22%2C%22provider_name%22%3A%22WorldFirst%22%2C%22post_id%22%3A%22570993%22%2C%22post_path%22%3A%22business-banking%252F5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A563013%2C%22name%22%3A%22ukfin_sponsored_article%22%2C%22country%22%3A%22uk%22%7D%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/world_first_logo.png\" style=\"width: 100px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/world_first_logo.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/world_first_logo.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"><\/a>\n<\/div>\n<\/div><div class=\"ukfin_sponsored_article_body has-padding-top-large has-padding-bottom-large\"><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_payment.png\" width=\"680\" height=\"397\" alt=\"Woman using WorldFirst om laptop\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_payment.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_payment.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_payment.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_payment.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_payment.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_payment.png?fit=2040 2040w\" sizes=\"(max-width: 2040px) 100vw, 2040px\" loading=\"lazy\"><\/p><p>It\u2019s tempting to focus purely on the \u201cfront end\u201d of sales when you\u2019re starting out, but the real growth bottlenecks often hide in the back end of global operations. When your business needs to pay suppliers in China or settle software fees in Singapore, you want everything to work as efficiently and cost-effectively as possible. <\/p><p>We\u2019re here to walk you through 5 global payment roadblocks \u2013 and how to navigate them with the help of WorldFirst.<\/p><\/div><div class=\"u-bg--background-secondary\"><div class=\"ukfin_sponsored_article_body has-padding-top-large sponsorpanel\"><article class=\"ukfin_sponsor luna-card luna-card--shadow no-margin-bottom\"><div class=\"luna-card__block has-padding-top-xsmall\"><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/4@s u-grid__col--orderLast@s text-center no-padding-bottom\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/worldfirst-multicurrencybusinessaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22UKFSA%22%2C%22image%22%3A%22https%253A%252F%252Fcdn.finder.com.au%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2026%252F01%252FWorldfirst_virtualcard.png%22%2C%22class%22%3A%22has-padding-top-xsmall%2Bhas-padding-bottom-xsmall%22%2C%22style%22%3A%22width%253A%2B180px%253B%22%2C%22offer_id%22%3A%2226513%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22eb09fe18-70ad-4435-83f6-8e7af74363ab%22%2C%22product_name%22%3A%22WorldFirst%2BMulti-Currency%2BBusiness%2BAccount%22%2C%22provider_id%22%3A%22f3e95ab1-44cc-42f8-8347-68a2086ab5e2%22%2C%22provider_name%22%3A%22WorldFirst%22%2C%22post_id%22%3A%22570993%22%2C%22post_path%22%3A%22business-banking%252F5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them%22%2C%22post_country%22%3A%22uk%22%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Worldfirst_virtualcard.png\" alt=\"WorldFirst virtual card\" class=\"has-padding-top-xsmall has-padding-bottom-xsmall\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Worldfirst_virtualcard.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Worldfirst_virtualcard.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Worldfirst_virtualcard.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/a><\/div><div class=\"u-grid__col u-3\/4@s no-padding-bottom\"><p>Pay, receive, and spend with one multi-currency account, enjoy competitive FX rates, and earn unlimited card cashback \u2013 all with WorldFirst. Also, earn up to <strong>1.2% cashback<\/strong> on every eligible spend with the World Card. Hold and pay in 15 major currencies with 0% FX fees.<\/p><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/worldfirst-multicurrencybusinessaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Bstarted%22%2C%22class%22%3A%22luna-button%2Bluna-button--brand%2Bluna-button--solid%22%2C%22site%22%3A%22UKFSA%22%2C%22offer_id%22%3A%2226513%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22eb09fe18-70ad-4435-83f6-8e7af74363ab%22%2C%22product_name%22%3A%22WorldFirst%2BMulti-Currency%2BBusiness%2BAccount%22%2C%22provider_id%22%3A%22f3e95ab1-44cc-42f8-8347-68a2086ab5e2%22%2C%22provider_name%22%3A%22WorldFirst%22%2C%22post_id%22%3A%22570993%22%2C%22post_path%22%3A%22business-banking%252F5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--brand luna-button--solid\">Get started<\/a><\/div><\/div><\/div><\/article><\/div><\/div><div class=\"ukfin_sponsored_article_body has-padding-top-large has-padding-bottom-large\"><h3><span class=\"ordinal\">1<\/span> \u201cSlow SWIFT\u201d, the relationship killer<\/h3><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"roadblock has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png\" alt=\"Roadblock\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The roadblock<\/h4><p class=\"no-margin-bottom\">SWIFT payments can slow things down. Late and delayed payments that arrive 5 days after sending create bottlenecks \u2013 and frustration. This can lead to slower shipments and fractured supplier relationships. When you\u2019re trying to grow and expand your business on a global scale, trust and speed are 2 key elements that you want to nail.<\/p><\/article><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"chequered-flag has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png\" alt=\"Chequered flag\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The fix<\/h4><p class=\"no-margin-bottom\">Use the power of local currency accounts. These enable you send payments that can arrive the same day (around 90% do) using local payment networks, keeping your suppliers happy and goods moving. Services like WorldFirst offer local accounts for major currencies, including USD and CNY.<\/p><p> <\/p><p>If you want things to move even faster \u2013 and your suppliers also have a WorldFirst account \u2013 you can make free and instant peer-to-peer payments. This is especially useful if you\u2019re sourcing from China, as 150,000+ Chinese suppliers currently use the platform.<\/p><\/article><h3><span class=\"ordinal\">2<\/span> Cracking China\u2019s payment maze<\/h3><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"roadblock has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png\" alt=\"Roadblock\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The roadblock<\/h4><p class=\"no-margin-bottom\">Navigating China\u2019s banking system, the Cross-Border Interbank Payment System (CIPS),  can be the ultimate test for UK exporters. There\u2019s strict documentation required, and it\u2019s easy to get trapped in \u201ccompliance\u201d reviews for days if the purpose codes or invoice data don\u2019t align with mainland regulations, causing unnecessary delays.<\/p><\/article><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"chequered-flag has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png\" alt=\"Chequered flag\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The fix<\/h4><p class=\"no-margin-bottom\">Find a business payments platform that has direct payment routes with China\u2019s top banks. WorldFirst has close partnerships with local Chinese banks, built from existing relationships via their parent company, Ant International. This means you can make same-day payments with real-time payment tracking (if made within the local bank\u2019s processing time, between 09:30-15:00 China Standard Time).<\/p><p> <\/p><p>WorldFirst is also the official payment partner to 1688.com (part of Alibaba), where businesses can source goods directly from Chinese suppliers at local wholesale prices. Payments here are free and instant \u2013 just like paying the 150,000+ suppliers who also use WorldFirst.<\/p><\/article><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/worldfirst_business.png\" width=\"680\" height=\"397\" alt=\"Woman using WorldFirst card\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/worldfirst_business.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/worldfirst_business.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/worldfirst_business.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/worldfirst_business.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/worldfirst_business.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/worldfirst_business.png?fit=2040 2040w\" sizes=\"(max-width: 2040px) 100vw, 2040px\" loading=\"lazy\"><\/p><h3><span class=\"ordinal\">3<\/span> The double conversion trap<\/h3><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"roadblock has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png\" alt=\"Roadblock\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The roadblock<\/h4><p class=\"no-margin-bottom\">The double conversion trap is a silent margin killer. If you operate with a single currency account, but sell in Singapore Dollars (SGD), your bank will force a conversion to Pounds Sterling so that the value can be deposited. This means you lose a percentage on the exchange markup. Then, if you need to pay a Singapore-based partner or supplier, you\u2019ll have to buy SGD back from your bank, losing out once again.<\/p><\/article><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"chequered-flag has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png\" alt=\"Chequered flag\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The fix<\/h4><p class=\"no-margin-bottom\">You can sail right through this roadblock with the help of local currency accounts. Set one of these up, and you\u2019re free to receive money from international customers to your own unique account number in the local currency of your choice.<\/p><p> <\/p><p>WorldFirst has local currency accounts for 20+ currencies, including GBP, EUR, SGD, HKD, CNY and USD. Plus, they can be set up online without the need for a local address or visiting a branch.  And for new WorldFirst customers opening a World Account in 2026, they can enjoy an exclusive FX rate of just 0.3%.<\/p><\/article><\/div><div class=\"u-bg--background-secondary\"><div class=\"ukfin_sponsored_article_body has-padding-top-large sponsorpanel\"><article class=\"ukfin_sponsor luna-card luna-card--shadow no-margin-bottom\"><div class=\"luna-card__block has-padding-top-xsmall\"><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/4@s u-grid__col--orderLast@s text-center no-padding-bottom\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/worldfirst-multicurrencybusinessaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22UKFSA%22%2C%22image%22%3A%22https%253A%252F%252Fcdn.finder.com.au%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2026%252F01%252FWorldfirst_virtualcard.png%22%2C%22class%22%3A%22has-padding-top-xsmall%2Bhas-padding-bottom-xsmall%22%2C%22style%22%3A%22width%253A%2B180px%253B%22%2C%22offer_id%22%3A%2226513%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22eb09fe18-70ad-4435-83f6-8e7af74363ab%22%2C%22product_name%22%3A%22WorldFirst%2BMulti-Currency%2BBusiness%2BAccount%22%2C%22provider_id%22%3A%22f3e95ab1-44cc-42f8-8347-68a2086ab5e2%22%2C%22provider_name%22%3A%22WorldFirst%22%2C%22post_id%22%3A%22570993%22%2C%22post_path%22%3A%22business-banking%252F5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them%22%2C%22post_country%22%3A%22uk%22%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Worldfirst_virtualcard.png\" alt=\"WorldFirst virtual card\" class=\"has-padding-top-xsmall has-padding-bottom-xsmall\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Worldfirst_virtualcard.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Worldfirst_virtualcard.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Worldfirst_virtualcard.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/a><\/div><div class=\"u-grid__col u-3\/4@s no-padding-bottom\"><p>Pay, receive, and spend with one multi-currency account, enjoy competitive FX rates, and earn unlimited card cashback \u2013 all with WorldFirst. Also, earn up to <strong>1.2% cashback<\/strong> on every eligible spend with the World Card. Hold and pay in 15 major currencies with 0% FX fees.<\/p><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/worldfirst-multicurrencybusinessaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Bstarted%22%2C%22class%22%3A%22luna-button%2Bluna-button--brand%2Bluna-button--solid%22%2C%22site%22%3A%22UKFSA%22%2C%22offer_id%22%3A%2226513%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22eb09fe18-70ad-4435-83f6-8e7af74363ab%22%2C%22product_name%22%3A%22WorldFirst%2BMulti-Currency%2BBusiness%2BAccount%22%2C%22provider_id%22%3A%22f3e95ab1-44cc-42f8-8347-68a2086ab5e2%22%2C%22provider_name%22%3A%22WorldFirst%22%2C%22post_id%22%3A%22570993%22%2C%22post_path%22%3A%22business-banking%252F5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--brand luna-button--solid\">Get started<\/a><\/div><\/div><\/div><\/article><\/div><\/div><div class=\"ukfin_sponsored_article_body has-padding-top-large has-padding-bottom-large\"><h3><span class=\"ordinal\">4<\/span> The Brexit payment penalty<\/h3><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"roadblock has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png\" alt=\"Roadblock\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The roadblock<\/h4><p class=\"no-margin-bottom\">In a post-Brexit Europe, many EU banks now treat euro transfers coming from UK businesses as \u201cinternational\u201d transfers and apply an \u201cintermediary fee\u201d as a result. Or, in some cases, they reject the payment because the sender\u2019s IBAN is marked as \u201cnon-EU\u201d. Where businesses used to enjoy seamless cross-border transactions, now they can face increased fees and administrative costs.<\/p><\/article><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"chequered-flag has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png\" alt=\"Chequered flag\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The fix<\/h4><p class=\"no-margin-bottom\">As a UK SME, it pays to have a reliable payment partner to navigate post-Brexit international payments. With WorldFirst, you can get a local European IBAN with its World Account. You can then use this to make your Single Euro Payments Area (SEPA) payments and remove the post-Brexit payment headache. Setting up an account is totally free, and there are zero monthly fees.<\/p><\/article><p><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_app.png\" width=\"680\" height=\"397\" alt=\"Woman using WorldFirst om laptop\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_app.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_app.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_app.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_app.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_app.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/WorldFirst_app.png?fit=2040 2040w\" sizes=\"(max-width: 2040px) 100vw, 2040px\" loading=\"lazy\"><\/p><h3><span class=\"ordinal\">5<\/span> When payments don\u2019t add up<\/h3><article class=\"u-bg-- has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"roadblock has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png\" alt=\"Roadblock\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Roadblock_cones.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The roadblock<\/h4><p class=\"no-margin-bottom\">For many UK businesses, payments aren\u2019t the biggest headache; it\u2019s balancing the books at the end of the month. When you\u2019re operating on a global scale and receiving international payments from various sources, you can end up with invoice numbers stripped out or batch payments that don\u2019t match your records. All of this can require hours of detective work just to reconcile everything. <\/p><\/article><article class=\"has-padding-medium u-rounded--lg has-margin-bottom-small\"><h4 id=\"chequered-flag has-margin-bottom-small\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png\" alt=\"Chequered flag\" style=\"width: 100px; height: 100px; margin: -10px 2px 0px -8px; vertical-align: middle;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/Chequered_flag-1.png?fit=300 300w\" sizes=\"(max-width: 300px) 100vw, 300px\" loading=\"lazy\"> The fix<\/h4><p class=\"no-margin-bottom\">You can reduce errors and streamline your accounting process by connecting your accounting software to your global payments solution. WorldFirst connects to Xero or NetSuite, both of which help you to keep accurate and automated data and can save you time and money. You can reconcile transactions in 20+ currencies and sync transactions automatically.<\/p><p> <\/p><p>WorldFirst can also provide an API to provide easy and flexible integrations to larger businesses that want to give their customers direct access to global currency accounts and payments from their existing platform.<\/p><\/article><\/div><div class=\"u-bg--background-secondary\"><div class=\"ukfin_sponsored_article_body has-padding-top-large sponsorpanel\"><article class=\"ukfin_sponsor luna-card luna-card--shadow no-margin-bottom\"><div class=\"luna-card__block has-padding-top-xsmall\"><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/4@s u-grid__col--orderLast@s text-center no-padding-bottom\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/worldfirst-multicurrencybusinessaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22UKFSA%22%2C%22image%22%3A%22https%253A%252F%252Fcdn.finder.com.au%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2026%252F01%252Fworld_first_logo.png%22%2C%22class%22%3A%22has-padding-top-xsmall%2Bhas-padding-bottom-xsmall%22%2C%22style%22%3A%22width%253A%2B180px%253B%22%2C%22offer_id%22%3A%2226513%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22eb09fe18-70ad-4435-83f6-8e7af74363ab%22%2C%22product_name%22%3A%22WorldFirst%2BMulti-Currency%2BBusiness%2BAccount%22%2C%22provider_id%22%3A%22f3e95ab1-44cc-42f8-8347-68a2086ab5e2%22%2C%22provider_name%22%3A%22WorldFirst%22%2C%22post_id%22%3A%22570993%22%2C%22post_path%22%3A%22business-banking%252F5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them%22%2C%22post_country%22%3A%22uk%22%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/world_first_logo.png\" alt=\"WorldFirst logo\" class=\"has-padding-top-xsmall has-padding-bottom-xsmall\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/world_first_logo.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/world_first_logo.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2026\/01\/world_first_logo.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/a><\/div><div class=\"u-grid__col u-3\/4@s no-padding-bottom\"><p><strong class=\"text-xx-large u-italic\">The all-in-one multi-currency account to help your business grow internationally.<\/strong><\/p><p>Pay, receive, and spend with one multi-currency account, enjoy competitive FX rates, and earn unlimited card cashback \u2013 all with WorldFirst. Also, earn up to <strong>1.2% cashback<\/strong> on every eligible spend with the World Card. Hold and pay in 15 major currencies with 0% FX fees.<\/p><div style=\"display:inline-block;\" class=\"text-center\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/worldfirst-multicurrencybusinessaccount-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Get%2Bstarted%22%2C%22class%22%3A%22luna-button%2Bluna-button--brand%2Bluna-button--solid%2Bhas-margin-bottom-xxsmall%22%2C%22site%22%3A%22UKFSA%22%2C%22offer_id%22%3A%2226513%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22eb09fe18-70ad-4435-83f6-8e7af74363ab%22%2C%22product_name%22%3A%22WorldFirst%2BMulti-Currency%2BBusiness%2BAccount%22%2C%22provider_id%22%3A%22f3e95ab1-44cc-42f8-8347-68a2086ab5e2%22%2C%22provider_name%22%3A%22WorldFirst%22%2C%22post_id%22%3A%22570993%22%2C%22post_path%22%3A%22business-banking%252F5-payment-roadblocks-killing-your-global-growth-and-how-to-fix-them%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--brand luna-button--solid has-margin-bottom-xxsmall\">Get started<\/a><\/div><\/div><\/div><\/div><\/article><\/div><\/div><div class=\"ukfin_sponsored_article_body has-padding-top-large has-padding-bottom-large\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Discover how to navigate common global payment roadblocks and streamline your international operations with WorldFirst. 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