Managing cross-border payments in challenging emerging markets

January 10, 2024

As U.S. companies add suppliers across countries, there is a growing need to make and receive cross-border payments. But processing international payments remains challenging in emerging markets like China, Brazil and India.

In the wake of the pandemic, two-thirds of small and medium-sized enterprises plan to do more business internationally. Many are also engaged in new markets.

“Companies are looking for ways to better manage their risk,” explains Sandra Walker, senior vice president, FX & Derivatives managing director, at U.S. Bank. “For example, before, if a U.S. company had everything manufactured in China and China shut down, it found itself in a quandary. To avoid that, many companies are spreading their outsourcing to other parts of Asia or manufacturing in Latin America to balance out their risk.”

Cross-border payments, essential for such trade and investment, rose more than 16% from 2019 to 2022.

The challenges in making cross-border payments with new countries range from legal and tax system impediments to cybercrime, local bank account requirements, language issues and repatriation restrictions. Below is an overview of what treasury managers should know about transacting business in three countries with complex payment environments.

China

The first thing to understand about international payments with respect to China is that there are two versions of its currency, the renminbi.

•  CNY is renminbi traded within mainland China and is regulated by the Chinese central bank, which determines a reference rate that can fluctuate within a 2% range.

•  CNH is renminbi traded in the offshore market and has a free-floating, market-determined exchange rate.

U.S. businesses commonly make vendor invoice payments into China. Delivery requirements include beneficiary bank SWIFT/BIC Code and beneficiary account name and number.

Special formatting and additional banking details needed include full beneficiary address, contact name and a phone number for the beneficiary, and purpose of payment. Providing a China National Advanced Payment System (CNAPS) code is also highly recommended.

Brazil

Like China, Brazil is a country U.S. firms look to for both manufacturing and sourcing of materials, and one that presents distinct payment challenges.

For starters, Brazil’s legal system is complex and bureaucratic with a plethora of rules and regulations protecting local businesses and employees. U.S. companies need local partners to help navigate Brazil’s complex legal and regulatory system.

Brazil also has a complicated tax system. It’s the world’s tenth largest economy based on gross domestic product but imposes one of the highest corporate tax burdens.

Restrictions on Brazil’s currency, the real (BRL), prevent or limit certain foreign exchange transactions. FX conversions must be done onshore in Brazil, and most wires in or out of Brazil are initiated in U.S. dollars.

Standard requirements for sending payments into Brazil include beneficiary bank SWIFT/BIC Code, beneficiary account name and number, and purpose of payment. Currency-specific formatting calls for a:

•  29-character international bank account number (IBAN)

•  14-digit taxpayer ID for corporations, non-governmental organizations (NGOs) and charitable organizations (known as a CNPJ number), or an 11-digit taxpayer ID for individuals (a CPF number)

•  Beneficiary contact name, telephone number and email address

India

Many U.S. companies target India for technology expertise, but it is one of the most difficult countries to do business in. It can take four years to enforce a contract through India’s courts, and it has non-transparent and unpredictable regulatory and tariff policies — with one of the highest average applied tariffs among G20 countries. Furthermore, the Indian government limits or prohibits foreign investment in a wide range of sectors.

Delivery requirements for making Indian rupee (INR) payments into the country include beneficiary Bank SWIFT/BIC Code, beneficiary account name and number, and purpose of payment.

Other required banking details include an Indian Financial System Code (IFSC), a detailed purpose of payment, and a full physical beneficiary address (PO boxes are unacceptable).

Also, transactions of INR 500 million or greater require the Legal Entity Identifier (LEI) for both the beneficiary and the remitter. The LEI for both your firm (the ordering customer/remitter) and your beneficiary must be provided to your U.S. Bank upon trade booking.

You can obtain an LEI from any of the Local Operating Units (LOUs) accredited by the Global Legal Entity Identifier Foundation (GLEIF). Bloomberg LEI is another resource you can use to obtain an LEI.

Navigating complex global payments issues

“Each emerging market has its own unique set of challenges,” says Dawn Hosmer, senior product manager, International Treasury Services, at U.S. Bank. “As a result, it’s wise to partner with a U.S. treasury management bank that will consult with you on international payments and provide integrated solutions to initiate and receive transactions in these markets.”

Your bank can help you navigate a number of international issues, including:

•  Dealing with local government regulations

•  Deciding whether to make or receive payments in USD or the foreign currency

•  Selecting from a variety of payment types to support your operations

•  Identifying and managing FX exposures

•  Determining if you need to open in-country accounts

Whether you’re buying and selling internationally or expanding operations beyond borders, you can leverage our suite of tools to centralize and automate international payments and receivables. From the various rules and regulations to fluctuating FX rates and different currencies, you may need help navigating complex cross-border payments. At U.S. Bank, our Global Treasury Management and Foreign Exchange partners can guide you with our international knowledge and capabilities. Contact your representative to learn more.

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Handling the finances of someone who has died: Terms and definitions

Resources for managing financial matters after an unexpected death

What you need to know as the executor of an estate

When your spouse has passed away: A three-month financial checklist

What documents do you need after a loved one dies?

Simple steps to be ready for a natural disaster

Checklist: financial recovery after a natural disaster

How does money influence your planning?

College budgeting: When to save and splurge

U.S. Bank Student Scholarship

Student checklist: Preparing for college

Uncover the cost of a college diploma

How to save money in college: easy ways to spend less

How to gain financial independence from your parents

The A to Z’s of college loan terms

Co-signing 101: Applying for a loan with co-borrower

Practical money skills and financial tips for college students

How to build credit as a student

5 things to know before accepting a first job offer

Learn to spot and protect yourself from common student scams

How I did it: Paid off student loans

Bank Notes: College cost comparison

Four ways to make a strong resume for your first real job

Tips to earn that A+ in back-to-school savings

7 ways to teach your children to be scam-savvy

How to prevent fraud

Outsmart tax scams and keep your finances safe

Lessons learned from experiencing a scam

Keep your finances safe and secure: Essential tips for preventing check fraud

How to avoid student loan scams

Banking basics: Avoiding fraud and scams

How to spot an online scam

Money muling 101: Recognizing and avoiding this increasingly common scam

What you need to know about identity theft

What is financial fraud?

5 tips for seniors to stay a step ahead of schemers

Recognize. React. Report. Don't fall victim to financial exploitation

Webinar: U.S. Bank asks: Are you safe from fraud?

Is online banking safe?

How-to guide: What to do if your identity is stolen

How you can prevent identity theft

8 tips and tricks for creating and remembering your PIN

Helping Gen Z build financial confidence

Short- and Long-Term Financial Goals for Every Life Stage

How your taxes can change after a major life event

Financial goals for 2024 a 12-month planning guide

How to save for a dream vacation

Tips for talking about money when friends earn more

Pros and cons of a personal line credit

3 tips for saving money when moving to a new home

What is a Certificate of Deposit? And what to know before opening an account

What does FDIC mean?  

3 financial tools to help automate your finances

5 tips for creating (and sticking to) a holiday budget

Financial checklist: Preparing for military deployment

How to financially prepare for a military PCS

Planning self-care moments that matter (and how to finance them)

Growing your savings by going on a ‘money hunt’

Working with an accountability partner can help you reach your goals

The banking app you need as a new parent

Why a mobile banking app is a ‘must have’ for your next vacation

How to decide when to shop local and when to shop online

Your guide to starting a job: Resources to help along the way

How to set yourself up for success in your first job

5 myths about emergency funds

Financial Wellness Assessment

Does your savings plan match your lifestyle?

Mobile banking tips for smarter and safer online banking

Uncover the cost: Wedding

Uncover the cost: International trip

Are savings bonds still a thing?

Tips to overcome three common savings hurdles

Adulting 101: How to make a budget plan

Personal loans first-timer's guide: 7 questions to ask

Mindset Matters: How to practice mindful spending

How and when to ask for a raise

How to choose the right rewards credit card for you

How can I help my student manage money?

How to manage money in the military: A veteran weighs in

Things to know about the Servicemembers Civil Relief Act

You can take these 18 budgeting tips straight to the bank

3 tips for saving money easily

Save time and money with automatic bill pay

How to best handle unexpected expenses

Stay on budget — and on the go — with a mobile banking app

Do you and your fiancé have compatible financial goals?

U.S. Bank asks: Transitioning out of college life? What’s next?

U.S. Bank asks: Do you know your finances?

U.S. Bank asks: Do you know what an overdraft is?

Personal finance for teens can empower your child

How to save for a wedding

How can you pay bills online the right way?

How compound interest works

Dear Money Mentor: How do I set and track financial goals?

Lost job finance tips: What to do when you lose your job

Money Moments: 3 smart financial strategies when caring for aging parents

Money management guide to financial independence

First-timer’s guide to savings account alternatives

7 financial questions to consider when changing jobs

5 tips to use your credit card wisely and steer clear of debt

Money Moments: 3 tips for planning an extended leave of absence

Overdrafts happen: Steps to get you back on track

P2P payments make it easier to split the tab

How to stop living paycheck to paycheck post-pay increase

Practical money tips we've learned from our dads

6 ways to spring clean your finances and save money year-round

How to cut mindless spending: real tips from real people

How to increase your savings

Bank from home with these digital features

Military finance: How to create a family budget after military service

Discovering your money personality can help you save

Tips on how couples can learn to agree about money

Understanding your military GI Bill benefits

How grandparents can contribute to college funds instead of buying gifts

How to open and invest in a 529 plan

Using 529 plans for K-12 tuition

Is a home equity loan for college the right choice for your student

Parent checklist: Preparing for college

How to apply for federal student aid through the FAFSA

What to consider before taking out a student loan

Are you ready to restart your federal student loan payments?

Consolidating debts: Pros and cons to keep in mind

Managing debt

Best travel credit card perks for family vacations

5 tips to use your credit card wisely and steer clear of debt

5 steps to selecting your first credit card

How to use debt to build wealth

What’s a subordination agreement, and why does it matter?

Understanding the true cost of borrowing: What is amortization, and why does it matter?

Know your debt-to-income ratio

How to pay off credit card debt

Your quick guide to loans and obtaining credit

Dear Money Mentor: How do I begin paying off credit card debt?

Checklist: 10 things to look for when touring a home

How to sell and buy a home at the same time

Dear Money Mentor: What is cash-out refinancing and is it right for you?

Home improvements with the best ROI

How we did it: Converted to solar power

PCS moving checklist for military spouses and families

Crypto + Homebuying: Impacts on the real estate market

How I did it: Bought my dream home using equity

House Hacks: How buying an investment property worked as my first home

Managing the impacts of appraisal gaps in a hot housing market

Spring cleaning checklist for your home: 5 budget-boosting tasks

Saving for a down payment: Where should I keep my money?

Your guide to breaking the rental cycle

Checklist: 6 to-dos for after a move

What are conforming loan limits and why are they increasing

Uncover the cost: Building a home

The lowdown on 6 myths about buying a home

4 ways to free up your budget (and your life) with a smaller home

Get more home for your money with these tips

Money Moments: How to finance a home addition

First-time homebuyer’s guide to getting a mortgage

Dear Money Mentor: When should I refinance a mortgage?

Beyond the mortgage: Other costs for homeowners

10 questions to ask when hiring a contractor

What is an escrow account? Do I have one?

These small home improvement projects offer big returns on investment

Should you get a home equity loan or a home equity line of credit?

Mortgage basics: What’s the difference between interest rate and annual percentage rate?

Is a home equity line of credit (HELOC) right for you?

How to use your home equity to finance home improvements

How does a home equity line of credit (HELOC) work?

How do I prequalify for a mortgage?

Home equity: Small ways to improve the value of your home

Can you take advantage of the dead equity in your home?

4 questions to ask before you buy an investment property

10 uses for a home equity loan

Improving your credit score: Truth and myths revealed

How to spot a credit repair scam

6 essential credit report terms to know

5 unique ways to take your credit card benefits further

How to maximize your credit card rewards

Test your loan savvy

Decoding credit: Understanding the 5 C’s

Should you give your child a college credit card?

U.S. Bank asks: What do you know about credit?

What types of credit scores qualify for a mortgage?

What is a good credit score?

Credit score help: Repairing a bad credit score

How to improve your credit score

Common questions about electric vehicles (EVs)

What to keep in mind when buying a used car from a private seller

How I decided that buying an RV was worth it for me

Take the stress out of buying your teen a car

Questions to ask before buying a car

How to choose the best car loan for you

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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.