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If your business or freelance work requires regular international payments — to suppliers, partners, freelancers, SaaS platforms, or foreign employees — you’ve likely noticed one thing:

International payments are expensive.
High fees, bad exchange rates, hidden charges, slow processing… all of these add up over time.

In 2025, with cross-border transactions increasing across Asia, knowing how to optimize costs can significantly improve your profit margins and cash flow.

This guide explains practical, real-world ways to reduce costs for frequent international payments — whether you are a business owner, freelancer, or individual sender.

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_{1. Compare Exchange Rates — They Differ More Than You Think}

Many people assume all banks offer similar rates.
But in reality, the exchange rate can differ by 20–150 VND per USD depending on:

– your bank

– time of day

– global market volatility

– hidden markups

Even a small difference matters if you pay often.

Tip:

– Check rates in the morning or early in the week

– Compare at least 2–3 channels before sending

Better exchange rates alone can reduce total costs by 3–7% per year.

_{2. Avoid Hidden Fees — Know Every Charge Before Sending}

International payments typically include:

– Sending fee

– Receiving fee (charged by foreign bank)

– Intermediary bank fee

– FX markup (exchange rate markup)

These fees are often not shown clearly until after the transaction.

_Tip:

Always ask the provider for:

– Total fees

– Final amount the receiver gets

– Exchange rate breakdown

– Whether there are any intermediary banks involved

If they can’t answer clearly → switch to a more transparent service.

HubSupport, for example, shows exact amounts before you confirm the transfer.

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_{3. Skip SWIFT if You Need Speed and Cost Efficiency}

The traditional SWIFT network is secure but:

– slow (1–5 days)

– expensive

– unpredictable due to multiple intermediary banks

– prone to “pending” status if paperwork is incomplete

If you make regular payments, these delays can disrupt your operations.

Alternative:

Use local-to-local settlement services like HubSupport.

Benefits include:

– Same-day transactions

– No intermediary banks

– Lower cost

– No SWIFT delays or pending issues

This is ideal for payments to Singapore, Indonesia, the US, Europe, and regional Asian markets.

_{4. Bundle Payments Instead of Sending Many Small Transfers}

Each international payment has a fixed cost.

If you make:

– 1 payment of $10,000 → one fee

– 10 payments of $1,000 → ten fees

Even though the amount is the same, you pay much more.

Tip:

Consolidate payments weekly or monthly

Reduce the number of shipments to reduce fixed and intermediate fees

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_{5. Use Fintech Platforms for Better FX Rates}

Banks typically offer higher FX markups because of their operational overhead.
Fintech platforms, on the other hand, often provide: near-market exchange rates, lower fees, faster processing

Examples include:
Wise, Revolut, Remitly, and regional fintech providers.

HubSupport also provides competitive rates with same-day settlement, ideal for recurring business payments.

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_{6. Keep Clean Documentation to Avoid Delays}

Payments often get stuck because of: vague purpose of payment, missing invoices, AML/KYC check, unclear sender/receiver information

When a payment is delayed, businesses lose time — and sometimes money.

Tip:

– Always include invoice numbers

– Keep contracts accessible

– Provide clear descriptions

– Respond quickly to bank requests

Clean documentation = fewer delays + fewer additional fees.

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_{7. Use a Service With Dedicated 1:1 Support}

When you make frequent international payments, you need a provider who: responds instantly, checks errors before sending, monitors your transfer, provides real-time updates

This avoids costly mistakes like:

– sending to wrong SWIFT code

– wrong beneficiary bank

– incorrect purpose codes

– resubmission fees

HubSupport assigns 1-on-1 payment specialists for all transactions — a major advantage over banks.

_{8. Optimize Your Payment Timing}

Exchange rates fluctuate throughout the day.

Best times to lock rates: Early morning, Monday–Wednesday (lower volatility)

Worst times:

Late Friday – Weekends – During major market announcements

A few minutes can affect your FX cost by several percent.

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_{9. Work With a Cross-Border Partner That Specializes in Frequent Payments}

For businesses or individuals making regular international payments, the best cost-saving strategy is to work with a specialized service.

HubSupport offers:

– Same-day transfers (minutes → hours)

– Competitive FX rates

– No intermediary bank fees

– Transparent pricing

– Support for multiple countries: Singapore, Indonesia, US, EU, etc.

– 1:1 dedicated assistance

– Safe, compliant, and fast cross-border settlement

📩 Contact HubSupport for a consultation and rate quote within minutes.

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