Plane Contractor Management From $19/mo · Free plan 8.6 Visit Thunes
thunes.com
What it is
Thunes is a paid, cross-border payments network for moving money between businesses and local payment methods. It serves banks, neobanks, mobile wallets, payment providers, gig-economy platforms, money-transfer operators, digital-asset companies, e-commerce businesses, and payroll or EOR providers. A single payment API provides access to global methods, while financial institutions can also connect through direct APIs or existing Swift infrastructure. The network supports payouts to bank accounts, mobile wallets, cards, cash pickup, and stablecoin wallets, plus acceptance of mobile-wallet, bank, voucher, and BNPL payments. Thunes states coverage of 140 countries, 90 currencies, 220 payment methods, and more than 720 network members. Its stated endpoints include 4 billion mobile and stablecoin wallets, 8 billion bank accounts, and 15 billion cards. REST APIs cover transaction processing, retrieval, account management, and discovery. Real-time tracking, confirmations, transaction insights, and pricing and FX visibility are provided. Thunes says 85% of payments settle immediately or in real time. SmartX Treasury manages FX and liquidity across 90 currencies. Pricing is on request, with fees set during onboarding or in an Order Document.
Spec sheet
- What it does
- Thunes is a cross-border payments network for instant, transparent money movement.Read 1 Oct 2026 · swift.com
- Product
- Thunes provides a global cross-border payments network connecting businesses to local payment methods through direct connections.Read 2 Oct 2026 · thunes.com
- API
- Thunes provides REST APIs for transaction processing and retrieval, account management and discovery services.Read 2 Oct 2026 · developers.thunes.com
- Security
- Thunes says it is ISO 27001 and PCI DSS certified and describes measures including encryption, access controls and security monitoring.Read 2 Oct 2026 · thunes.com
- Compliance
- Thunes says it is licensed in 50 markets and offers embedded risk controls through Fortress Compliance.Read 2 Oct 2026 · thunes.com
- Support
- For banks and neobanks, Thunes describes implementation workshops and a dedicated team that supports customers after launch.Read 2 Oct 2026 · thunes.com
- Headquarters
- SingaporeRead 28 Sep 2026 · thunes.com
- Founded
- 2016Read 28 Sep 2026 · thunes.com
- Connectivity
- Financial institutions can connect through direct APIs or existing Swift infrastructure.Read 2 Oct 2026 · thunes.com
- Coverage
- Thunes states that it reaches 140 countries, 90 currencies and 220 payment methods.Read 1 Oct 2026 · thunes.com
- Endpoints
- Thunes says its network reaches 4 billion mobile and stablecoin wallets, 8 billion bank accounts and 15 billion cards.Read 1 Oct 2026 · thunes.com
- Implementation support
- Thunes says onboarding takes a few weeks and includes support from a dedicated Solutions Delivery team.Read 1 Oct 2026 · thunes.com
- Integration
- Customers can connect through API or Swift.Read 1 Oct 2026 · thunes.com
- Payment acceptance
- Thunes supports acceptance of mobile wallets, bank payments, digital vouchers and BNPL payments.Read 1 Oct 2026 · thunes.com
- Payment API
- Its platform provides access to global payment methods through a single API.Read 1 Oct 2026 · thunes.com
- Payment speed
- Thunes states that 85% of payments on its network settle immediately.Read 2 Oct 2026 · thunes.com
- Payment types
- The network supports payouts to bank accounts, mobile wallets, cards, cash pickup and stablecoin wallets, as well as local payment acceptance.Read 2 Oct 2026 · thunes.com
- Payouts
- Thunes supports payouts to mobile wallets, stablecoin wallets, bank accounts and cards.Read 1 Oct 2026 · thunes.com
- Pricing terms
- Fees are specified in an Order Document, presented during onboarding, displayed on the website, or agreed in writing; the page does not provide a general rate card.Read 2 Oct 2026 · thunes.com
- Reach
- The Direct Global Network states that it reaches more than 720 members across 140 countries and supports 90 currencies and 220 payment methods.Read 2 Oct 2026 · thunes.com
- Regulatory licences
- Thunes states that it is licensed by MAS in Singapore, FCA in the UK and ACPR in France, and registered with FinCEN in the US.Read 1 Oct 2026 · thunes.com
- Reporting
- The platform provides real-time transaction tracking, instant payment confirmations and detailed transaction insights.Read 1 Oct 2026 · thunes.com
- Settlement
- Thunes states that 85% of payments settle immediately or in real time.Read 1 Oct 2026 · thunes.com
- Target customers
- Thunes lists banks, neobanks, mobile wallets, payment service providers, money transfer operators, digital asset companies, e-commerce, gig platforms, and payroll and EOR providers as customer groups.Read 2 Oct 2026 · thunes.com
- Transparency
- Thunes says customers can track payments in real time and see pricing and FX fees.Read 2 Oct 2026 · thunes.com
- Treasury
- SmartX Treasury offers FX management across 90 currencies, with real-time optimization and liquidity management.Read 2 Oct 2026 · thunes.com
Plans and prices
Thunes payment services Priced on request Fees specified in an Order Document or provided during onboarding; transaction fees vary by service, volume, corridor and risk Read 2 Oct 2026 · thunes.com
Strong points and limits
Strong points
- Coverage across 140 countries and 90 currencies
- Payouts to banks, wallets, cards, cash, and stablecoins
- REST APIs for processing and account management
- Real-time tracking and payment confirmations
- Mass payouts and marketplace disbursements supported
Limits
- Pricing is provided on request
- Fees vary by service, volume, corridor, and risk
- Onboarding takes a few weeks
Who it suits
It suits organizations that need cross-border payouts or local payment acceptance through APIs or Swift. The listed customer groups include financial institutions, marketplaces, payroll providers, and digital-asset businesses.
Verdict
Thunes brings multiple payout and acceptance methods into one cross-border network, with API and Swift connectivity. Its broad stated coverage and real-time reporting suit businesses coordinating international payment flows, but buyers must obtain pricing during onboarding or contracting.
Where Specifiction places it
- Payout Software#18 of 297.5
