Arbonum vs Thunes

Arbonum handles payments to global contractors along with invoicing and compliance. Its platform offers instant contracts, multi-country payroll, multi-currency payouts, contractor KYC checks, and banking compliance. The company advertises 24/7 support from local HR and legal experts and says contractors can be onboarded in less than five minutes. The pricing page lists unlimited contractors, users, invoices, GEOs, and currencies, plus customized dashboards and reporting. Vetted tax advisors in 110+ countries can help contractors with tax questions, and Arbonum says it works with SafetyWing on health benefit programs. Its gaming offering supports USD, EUR, GBP, RUB, ARS, BRL, INR, PHP, IDR, and USDC. The platform says each payout receives automatic OFAC, UN, and EU sanctions checks; a payout can include work-product assignment, and contractors sign a mutual NDA. The iPhone and iPad app supports invoice generation, receiving payment, withdrawals, file uploads, and tax reports. Pricing is on request; the listed Pay-as-you-go terms start at $5, paid once, billed from 5.0% per payout, all-in and quoted by corridor, with no per-seat charge, setup fee, or minimums.

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.