Almost every cross-border payment problem is a combination of three primitives. Understanding them makes it far easier to design a flow that fits your business.
Cross-border payments can feel sprawling, but most use cases reduce to three primitives: sending money out, collecting money in, and converting between currencies. Once you can name which of the three you need, the rest of the design tends to fall into place.
Send
Sending — a payout — is moving funds from your balance to a recipient: a supplier, a contractor, an employee, a partner. The details that matter are how the recipient gets paid (bank transfer, mobile money), how quickly funds arrive, and how you learn the final status of each attempt.
Collect
Collecting — a payin — is receiving money from a customer. That might be a payment link, a virtual account, or a checkout. The questions here are which methods your customers can use, how quickly you can rely on the funds, and how your systems are notified when money lands.
Convert
Converting is exchanging one currency for another — collecting in one currency and paying out in another, or simply holding a balance in the currency that suits you. The things to watch are the rate you are offered, whether that rate is held for a predictable window, and how conversion fits alongside sending and collecting.
Putting them together
Real flows chain these primitives. A marketplace might collect from buyers in one currency, convert, and send to sellers in several others. An import business might collect locally and send abroad after converting. Payve exposes send, collect, and convert through one clean API so you can compose them without stitching together separate providers for each corridor.