HedgeFlows vs XE.com

Reduce effort & cut costs on Global Business Payments

Domestic and global payment automation, FX risk and cash management for modern finance teams.

Payment runs

Connected global account

To pay and get paid like a local in 35 currencies worldwide

Easy integration with your ERP

Connect in minutes and start saving time and money on your global payments

Save on FX and avoid hidden costs

Get market-leading FX rates for your payments or go further - prebook FX for future payments when rates are great

HF provides a great solution to FX payments around the world and creates time and cost efficiencies throughout the end-to-end payment and reconciliation process.

Jason

Finance Manager, Niarra Travel
HedgeFlows is a real game changer for us. It's saved us loads of TIME and EFFORT, completely revolutionizing how we handle payments. Its user-friendly interface is loaded with features, making it easy to navigate and highly flexible.

Mohammad

Head of Finance, Vogacloset
After starting to use Hedgeflows recently, we have not only saved a huge amount TIME and EFFORT but also created a super slick process that has literally changed the way we do international payment runs forever!

Chris

MD, FirstPoint Logistics
HedgeFlows has made our weekly payment runs far QUICKER and EASIER, and is a great workaround to Xero's restrictions on only creating payment runs for GBP.

Chris

Accountant, Signify Technologies
It has made making non-GBP payments simpler and cheaper to do!
It also helps recognise where we are exposed as a business to FX rates.

Ben

Finance Director, Champo
We have been using Hedgeflows for almost 10 months now. Brilliant FX service with the sync with XERO works very well.

Sean

Accounts Team, TransferRoom

	_XE.COM	_HedgeFlows
Authorised & regulated by the FCA	✅	✅
Cross-border payments	✅	✅
Domestic payments	❌	✅
AP Automation	❌	✅
Cross-border collections	✅	✅
FX Forwards	✅	✅
Transparent FX markups	❌	✅
Accounting / ERP integrations	Microsoft Dynamics & Sage only	Xero, Quickbooks, Netsuite, MS Dynamics
Global payment coverage	190+ countries	180+ countries
AI-powered capabilities	❌	OCR, Fraud & Error detection
Additional features & modules	Currency Rates API feeds	FX Hedging Copilot, Open Banking, Cash Management, Cashflow planning

HedgeFlows makes paying domestic or international invoices from systems such as Xero, NetSuite or Microsoft Dynamics Business Central easy and faultless. Once vendor invoices are authorised in your system, they appear in HedgeFlows, and you can simply choose the list of invoices you wish to pay. You can fund your payment run from your trusted bank account, and we automatically process any optional currency conversions, make correct transfers, send remittance emails and reconcile back to General Ledger for you!

Yes, HedgeFlows offers a customisable approval process with individual roles and limits to support your payment run needs.

Independently regulated

Unlike many other payment automation software vendors, HedgeFlows is independently regulated by the FCA as a payment institution (FRN 1008699). This means that we adhere to the highest standards in safeguarding clients’ funds, aligning with the stringent protocols by which all banks and top fintech firms in the UK are regulated.

Named accounts and Safeguarded funds

When HedgeFlows handles client funds to process payments, we segregate them from our operational accounts and always keep them in clients’ named payment accounts. When funds are kept with HedgeFlows for more than one business day, they are safeguarded with authorised credit institutions (banks), meaning they are held separately and can only be used for payments as instructed by our clients.

Automated Sweeps to your Bank

HedgeFlows automates periodic sweeps of unused funds back to bank accounts. This means you can further reduce the risks of erroneous or fraudulent transactions by sweeping any unused balances back to your bank at the frequency of your choice - daily, weekly, or monthly.

Unlike many other payment automation software vendors, HedgeFlows is independently regulated by the FCA as a payment institution (FRN 1008699). This means that we adhere to the highest standards in safeguarding clients' data and security policies, aligning with the stringent protocols by which all banks and top fintech firms in the UK are regulated.

Your client access is secure using the latest Strong Customer Authentication technologies, and our advanced role-based access controls help you easily assign team members the necessary access rights.

Of course, we are working with the leading accountancy practices in the UK already and are helping make foreign currencies simpler for thousands of small businesses in the country. You keep control of the validation of foreign payments, while your accountant takes care of processing the invoices, cash management, and accounting tasks.

HedgeFlows offers a range of solutions to process your payments. If your bank supports Open Banking services, you can rely on our robust payment initiation technology to make vendor payments straight from your bank by preparing your payment runs in HedgeFlows and securely authorising via Open Banking.

Otherwise, you can also rely on our industry-leading payment infrastructure to process payments via your multi-currency payment accounts with HedgeFlows and simply fund them with a single transfer from your bank.