An estimated $6 trillion in commerce involving small businesses (SMBs) crosses international borders annually. Paying via credit or debit card is not always an option. The main alternative to cards is wire transfers between correspondent bank networks, where buyers and sellers pay fees to initiate as well as to receive payments. And they incur additional costs related to foreign currency conversions (FX). On payments sent from the United States, senders pay about $40 to initiate a wire, receivers pay $20, and one of the parties pays an FX fee in the 3% range. Small businesses (those with le...