Thunes

Paid APIWeb

What Thunes is

Thunes is a cross-border payments network that connects businesses with local payment methods through direct connections. Its platform provides access to payment services through a single API, and financial institutions can also connect through existing Swift infrastructure. Businesses can send payouts to bank accounts, mobile wallets, cards, cash pickup locations and stablecoin wallets, and accept mobile wallet, bank, digital voucher and BNPL payments. Thunes says its network reaches 140 countries, supports 90 currencies and 220 payment methods, and includes more than 720 members. It reports connections to 4 billion mobile and stablecoin wallets, 8 billion bank accounts and 15 billion cards.

REST APIs cover transaction processing and retrieval, account management and discovery services. The platform provides real-time transaction tracking, payment confirmations and transaction insights, and Thunes says 85% of network payments settle immediately. SmartX Treasury offers FX management across 90 currencies, with real-time optimization and liquidity management. Thunes describes its security measures as including encryption, access controls and monitoring, and says it is licensed in 50 markets and compliant with PCI DSS and ISO 27001. It serves financial institutions and businesses including payment providers, money transfer operators, digital asset companies, e-commerce firms and payroll or EOR businesses. Pricing is arranged by service and customer terms, with fees varying by service, volume, corridor and risk.

Who it suits

Thunes suits banks, neobanks, payment providers and money transfer operators that need cross-border payouts or payment acceptance. It also serves mobile wallets, gig economy platforms, digital asset companies, e-commerce businesses and payroll or EOR providers.

What it does well

Connects to 220 payment methods across 140 countries.
Supports payouts to bank accounts, wallets, cards, cash pickup and stablecoin wallets.
Offers API and Swift connectivity.
Provides real-time tracking, confirmations and transaction insights.
SmartX Treasury manages FX across 90 currencies.

What to know first

Pricing is arranged by request or agreement; there is no general rate card.
Onboarding takes a few weeks.

Plans

Plan	Billed and limits	Price
Thunes payment services	Fees specified in an Order Document or provided during onboarding; transaction fees vary by service, volume, corridor and risk	On request

As thunes.com lists them, read 2 Oct 2026. The maker's own page has the final word.

Getting started

Visit the Thunes website to explore its payment services.
Contact Thunes to discuss pricing and onboarding.
Choose API or Swift connectivity for your institution.
Work with the Solutions Delivery team during onboarding.
Connect to the payment services your business needs.

Verdict

Consider Thunes if your business needs cross-border payment acceptance or payouts through local payment methods, with API or Swift connectivity. Its broad payment network, transaction visibility and Treasury tools suit businesses operating across currencies. Look elsewhere if you need published standard pricing before engaging, since fees vary by service, volume, corridor and risk.

Questions

How much does Thunes cost?

Pricing is on request. Fees vary by service, volume, corridor and risk, and are specified in an Order Document, during onboarding, on the website or in writing.

Which platforms and connection methods does Thunes support?

Thunes lists API and web platforms. Customers can connect through APIs or Swift infrastructure.

Which payment types does Thunes support?

It supports payouts to bank accounts, mobile wallets, cards, cash pickup and stablecoin wallets, as well as acceptance of mobile wallet, bank, digital voucher and BNPL payments.

Who does Thunes serve?

Its customers include banks and neobanks, mobile wallets, payment service providers, gig economy platforms, money transfer operators, digital asset companies, e-commerce businesses and payroll or EOR businesses.

What does Thunes say about payment speed and tracking?

Thunes says 85% of payments on its network settle immediately or in real time. The platform provides real-time tracking, instant payment confirmations and transaction insights.

What security certifications and licences does Thunes list?

Thunes says it is PCI DSS compliant and ISO 27001 certified, and licensed in 50 markets. It names licences from MAS in Singapore, FCA in the UK and ACPR in France, plus FinCEN registration in the US.

Facts from Thunes's own pages

API: Thunes provides REST APIs for transaction processing and retrieval, account management and discovery services. · developers.thunes.com, 2 Oct 2026
Compliance: Thunes says it is licensed in 50 markets and offers embedded risk controls through Fortress Compliance. · thunes.com, 2 Oct 2026
Connectivity: Financial institutions can connect through direct APIs or existing Swift infrastructure. · thunes.com, 2 Oct 2026
Coverage: Thunes states that it reaches 140 countries, 90 currencies and 220 payment methods. · thunes.com, 1 Oct 2026
Endpoints: Thunes says its network reaches 4 billion mobile and stablecoin wallets, 8 billion bank accounts and 15 billion cards. · thunes.com, 1 Oct 2026
Founded: 2016 · thunes.com, 28 Sept 2026
Headquarters: Singapore · thunes.com, 28 Sept 2026
Implementation support: Thunes says onboarding takes a few weeks and includes support from a dedicated Solutions Delivery team. · thunes.com, 1 Oct 2026
Integration: Customers can connect through API or Swift. · thunes.com, 1 Oct 2026
Payment acceptance: Thunes supports acceptance of mobile wallets, bank payments, digital vouchers and BNPL payments. · thunes.com, 1 Oct 2026
Payment API: Its platform provides access to global payment methods through a single API. · thunes.com, 1 Oct 2026
Payment speed: Thunes states that 85% of payments on its network settle immediately. · thunes.com, 2 Oct 2026
Payment types: The network supports payouts to bank accounts, mobile wallets, cards, cash pickup and stablecoin wallets, as well as local payment acceptance. · thunes.com, 2 Oct 2026
Payouts: Thunes supports payouts to mobile wallets, stablecoin wallets, bank accounts and cards. · thunes.com, 1 Oct 2026
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. · thunes.com, 2 Oct 2026
Product: Thunes provides a global cross-border payments network connecting businesses to local payment methods through direct connections. · thunes.com, 2 Oct 2026
Reach: The Direct Global Network states that it reaches more than 720 members across 140 countries and supports 90 currencies and 220 payment methods. · thunes.com, 2 Oct 2026
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. · thunes.com, 1 Oct 2026
Reporting: The platform provides real-time transaction tracking, instant payment confirmations and detailed transaction insights. · thunes.com, 1 Oct 2026
Security: Thunes says it is ISO 27001 and PCI DSS certified and describes measures including encryption, access controls and security monitoring. · thunes.com, 2 Oct 2026
Settlement: Thunes states that 85% of payments settle immediately or in real time. · thunes.com, 1 Oct 2026
Support: For banks and neobanks, Thunes describes implementation workshops and a dedicated team that supports customers after launch. · thunes.com, 2 Oct 2026
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. · thunes.com, 2 Oct 2026
Transparency: Thunes says customers can track payments in real time and see pricing and FX fees. · thunes.com, 2 Oct 2026

Where Thunes stands on Freedom251

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