Cambridge Global Payments processes over $25 billion in cross-border payments annually on behalf of more than 13,000 business clients in the U.S. and Canada. Those payments are made to suppliers and employees in 200 countries. Cambridge sees a client’s full accounts payable file and selects the best payment option for each invoice. It maintains direct banking relationships in many countries, uses Swift to facilitate data exchanges for cross-border transactions in others, and in some cases makes payments using virtual Mastercard cards. However, Cambridge wants to lower costs and reduce the...