Harmony Pay makes global payments simple for your business.
Pay and get paid globally
Open local virtual accounts, collect fiat deposits and send payouts — everything your business needs to move money across markets.
Virtual accounts that work like local
Provision corridor-specific VAs so customers can pay you via local rails, with funds attributed to your ledger in near real time.
Rapidly enter new markets
Get unique virtual account numbers in supported corridors and start collecting local fiat without opening a bank in every country.
Speed. Scale.
Savings. Simplicity.
Apply for a Global Account
A simple online application is your ticket to our global network. Get instant access to local virtual bank accounts in over 20 countries.
Start getting paid
Use your virtual accounts to quickly collect local payments everywhere you have customers. Accept and hold all major currencies including USD, EUR, GBP, JPY, AUD, CAD, HKD, and more.
Start getting paid
Maximise collection efficiency
Route local fiat into Merchant VAs, auto-sweep to a Fiat Master Account, and credit your Client Wallet Ledger — with transparent fees and clear reconciliation.
Make local payments to the world
Quickly set up your vendors, suppliers, staff and more as beneficiaries and make rapid transfers to bank accounts in over 20 countries.
Make local payments to the worldA single platform to manage global payments
Seamlessly send and receive international payments from a single, all-in-one platform.
Multi-currency payments
Fast and simple multi-currency transfers - all from a centralised account. Easily manage 20+ currencies, including USD, EUR, GBP, AUD, JPY, CNY and more.
Virtual bank accounts
Our Global Account network means you have an account everywhere. Easily enter new markets and collect payments in local currencies on the fly.
Fiat pay-in & payout
Collect local fiat into virtual accounts and pay out to beneficiaries across supported corridors — with ledger credits only after confirmed settlement.
Shared team access
Extend Global Account access to members of your team. Easily manage permissions to view, access and manage controlled aspects of your account.
Personal client support
Get a business account that delivers reliable, real-world service. No bots here - when you need us, we're there to help.