If your international payments are taking five days to clear, you’re not running a slow business—you’re running an expensive operation. In 2025, a five-day processing time is a significant disadvantage. It’s five days of missed opportunities, five days of capital tied up, and five days during which your competitors are gaining ground. This outdated multi-day payment cycle isn’t a standard practice; it’s an unnecessary cost to your business.
The financial landscape has evolved to embrace real-time transactions. If your accounts payable team is still working within the traditional 1-5 day window, you’re paying a premium for inefficiency. The solution is simple: embrace a fast international payments app. Available for download from the Play Store or App Store, this app allows you to execute international payments in minutes, not days, so you can free up capital and stay ahead of your competition.
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What a 5-Day Delay Costs You:
Losing Early Payment Discounts: When payments are delayed, you miss out on the early payment discounts from suppliers, which can be around 2-3%. Losing this discount is a preventable loss.
Paying Extra Fees: Every intermediary bank your payment goes through adds more fees and hidden exchange rate charges. This makes the “good deal” from your bank much less valuable, and your funds are reduced when they finally arrive.
Cash Flow Problems: When your funds are stuck in a long transfer process, you can’t use that money to invest, pay short-term debts, or improve liquidity. Many businesses report that these delays cause serious cash flow uncertainty.
The traditional system is slow because it relies on outdated processes, limited business hours, and complex routing through many parties. The best solution is to remove these delays altogether.
The Strategy: Cut the Intermediaries. Go Instant.
The future of supply chain payment optimization isn’t just about reducing the time within the SWIFT network; it’s about eliminating the need for it altogether. Modern payment systems now leverage Real-Time Payment (RTP) networks to enable instantaneous, seamless transactions across borders, transforming what was once a multi-day process into immediate transfers.
ZilRemit, a mobile app built for fast international payments, embraces this innovation. It allows businesses to make quick, secure, and cost-effective payments globally, streamlining the entire process and enhancing operational efficiency.
The Platform Advantage: Minutes, Not Days
ZilRemit offers a B2B international payment solution that ensures funds reach global partners in minutes. Gain complete financial control and certainty with a platform engineered for rapid, secure transactions.
Quantifiable FX Cost Reduction: Your bank hides its margin in the exchange rate. ZilRemit leverage advanced technology to deliver rates that are up to 4% better than traditional providers. This isn’t a marketing claim; it’s a verifiable, systematic reduction in your operational expenses that flows directly back to your profit margin.
Unrivaled Global Coverage: Whether you’re paying a supplier in Germany or a partner in India, the express payment network is connected to key financial centers, ensuring your international supplier payments are executed at lightning speed to markets like Estonia, France, Philippines, Sweden, and the UK.
Zero-Risk Security: Speed is worthless without security. The mobile app operates with enterprise-grade security and bank-level encryption, backed by 24/7 fraud monitoring and full regulatory compliance. Your high-speed transactions are inherently more secure because they spend less time exposed in transit.
Maximum Simplicity: The platform has stripped the process down to three non-negotiable steps: Recipient Details, Source/Purpose, Confirmation. Your finance team eliminates reconciliation challenges and regains hours of lost productivity.
The Mandate for Change
The 1-5 day payment delay is a strategic failure. It compromises your supplier relationships, eats into your margin via hidden fees and missed discounts, and slows your capital velocity. It’s time to stop making excuses for technology that underperforms.
In global b2b commerce, the competitive edge belongs to the fastest, most efficient operator. Your choice is clear: continue to pay the “avoidable cost” of slow processing, or migrate to a system built for speed, transparency, and maximized profit.
