Planned for Q4 2026: Remitgo's payment engine will build, track and reconcile transfers across SEPA, SWIFT, UK Faster Payments and local domestic schemes, picking the cheapest viable rail your licence or sponsor bank gives you access to and returning a single, normalized status stream.
Planned: one API call across SEPA, SWIFT, FPS and local schemes. Remitgo evaluates corridor, currency and cost to select the rail for each payment, from the schemes your licence or sponsor bank gives you access to.
Planned: submit any payment through a single normalized endpoint. Remitgo maps your request to the scheme-specific message format behind the scenes.
Planned: lock a quoted rate at initiation and settle in the beneficiary currency, with the FX spread and fee surfaced transparently on every transfer.
Planned: every payment exposes a normalized status lifecycle from initiated to settled, so you never have to parse raw scheme acknowledgements yourself.
Planned: incoming settlement reports are matched back to the originating payment, flagging breaks for review instead of silent mismatches.
Planned: each payment runs through Remitgo's KYC, AML and SmartSanction screening before funds move, so risk checks are never an afterthought.
API Reference
Preview of the planned interface - this API is in development and not yet publicly available.
Request
{
"amount": 250000,
"source_currency": "EUR",
"target_currency": "GBP",
"rail": "auto",
"beneficiary": {
"name": "Jane Cole",
"iban": "GB29NWBK60161331926819"
},
"reference": "INV-20451"
}Response
{
"payment_id": "pay_9c4e2a",
"status": "initiated",
"selected_rail": "fps",
"mid_market_rate": 0.8600,
"quoted_rate": 0.8542,
"spread_bps": 67,
"fee": { "amount": 120, "currency": "EUR", "charged_on": "source" },
"total_debit": { "amount": 250120, "currency": "EUR" },
"amount_delivered": { "amount": 213550, "currency": "GBP" },
"initiated_at": "2026-07-01T14:29:52Z",
"estimated_settlement": "2026-07-01T14:30:00Z",
"eta_seconds": 8,
"api_version": "v1"
}Amounts are integers in the currency's minor unit: amount 250000 is €2,500.00, the fee of 120 is €1.20, and amount_delivered 213550 is £2,135.50.
Remitgo launches Q4 2026. Talk to our team about early access to the payment engine and corridor coverage.
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