The finance team sifts through spreadsheets and payment notifications, pulling together weekend sales from a dozen markets. A spike in micropayments sits in “pending.” The numbers look strong, but the funds remain scattered across currencies, channels, and timelines.
Running a non-traditional business — whether a licensed brokerage, a payment aggregator, or a cross-border marketplace — means facing thin margins, shifting regulations, and customers who expect instant service regardless of their location or currency.
Non-traditional merchants require something more. They do not need to replace banks but rather complement the core financial framework with services built to enable faster, reliable payments.
That’s where a corporate digital payments solution makes the real difference: a better way to receive payments in any currency, settle in your preferred one, and expand across global markets without missing a beat.
In this article, we’ll discuss how you can transform payment fragmentation into control, slow settlements into instant cash flow, and local currency headaches into simple global operations — while working hand-in-hand with a trusted payment gateway.
Solving the complexity of a non-traditional business with corporate digital payments
A non-traditional business account handles payments differently than a standard merchant setup. Unique business models, varied customer behavior, and regulatory oversight introduce more complexity into the payment process.
These accounts are built for businesses that don’t fit neatly into the mold preferred by traditional banks or payment processors, such as foreign exchange platforms, digital asset marketplaces, subscription-based services, or international travel operators.
But with this complexity comes opportunity, if managed properly.
That’s why payment service providers like Advanced Payment Solutions (APS) now offer corporate digital payment solutions that enable businesses to:
- Accept payments in multiple local currencies
- Settle transactions in a preferred home currency (fiat or digital)
- Connect with a broad network of local payment partners
- Streamline operations while maintaining existing banking relationships
Instead of struggling with fragmented payment systems, these services provide a cohesive framework—bringing greater control without compromising reach, adaptability, or user experience.
For a growing non-traditional business, it’s like installing a control tower at a busy airport: every transaction lands smoothly, on time, and where it’s needed.
Making global payments simpler for non-traditional merchants
Friday night in Manila. Saturday afternoon in Paris. Sunday morning in Buenos Aires. Your customers want to pay with familiar local methods — not necessarily USD bank transfers or major credit cards.
For non traditional businesses, the old model of relying on a few global rails leaves opportunities on the table. Global commerce is growing faster than ever, but currency volatility and limited local payment options can still slow progress.
International companies know this challenge all too well. Dealing with fluctuating exchange rates isn’t just a line item on a balance sheet — it’s a real operational risk. In fact, nearly 50% of S&P 500 companies reported negative impacts from currency changes in 2022, highlighting just how significant this issue can be even for the world’s biggest businesses.
Working with a corporate digital payments service with deep local partnerships flips the script. With fewer disruptions from currency swings, you can accept funds through local rails in countries across Europe, Asia, Africa, and beyond.
A customer in Kenya pays in Kenyan Shillings, a buyer in Germany uses local euro rails, and a client in Brazil prefers Pix. You can easily collect these diverse payments and still receive settlements in your preferred currency, whether that’s USD, EUR, GBP, or digital currencies.
This level of global acceptance complements your existing payment structure with agile, market-specific partnerships that increase conversion rates, customer satisfaction, and operational reliability. Handling payment processing across borders becomes smoother, not harder.
At the same time, the payment landscape is shifting.
Turning to fintech for payment solutions
More businesses, especially small and micro enterprises, are turning to fintech for cross-border payments. Data from McKinsey shows that 23% of UK SMEs now rely on fintech for cross-border transactions, compared to just 13% that still use domestic banks. Micro businesses are leading the way, accounting for 30% of these fintech-driven transactions.
For non-traditional companies, this movement signals an opportunity to operate more flexibly, globally, and efficiently by embracing modern payment solutions tailored for fast-paced international commerce.
Your business will move from merely being present in international markets to truly thriving in them, with faster settlements, broader customer reach, fewer hidden losses, and better currency management.
Simplifying non-traditional business flows with a multicurrency digital wallet
Running a non-traditional business also means keeping tabs on a growing list of currencies. Today’s sales could bring in USD, GBP, and AED — all within an hour.
Traditional account structures struggle with this volume and diversity. Manual FX approvals, delayed conversion times, and unpredictable exchange rates start to weigh down operations.
That’s where a multi-currency digital wallet comes in. It allows you to store, receive, and send multiple fiat and digital currencies from a single account, while maintaining live access to competitive exchange rates.
One minute you’re holding client payments in euros. Next, you’re converting a portion to USD or settling vendor obligations in digital currencies, all without switching platforms or managing extra steps.
This setup works with your existing payment system, serving as a flexible operational layer that simplifies your finance team’s workload.
For non-traditional businesses, a multicurrency digital wallet isn’t a nice-to-have — it’s essential for scaling across currencies while avoiding hidden FX costs that can quietly erode margins.
Staying liquid 24/7 for non-traditional businesses with reliable payments in your preferred currency
Weekends doesn’t mean silence anymore.
Weekend sales, overnight cross-border settlements, and 24/7 market cycles define life for many non-traditional businesses, especially exchanges, gaming platforms, and online service marketplaces.
Waiting until Monday morning for funds to clear just isn’t practical when your business never sleeps.
Reliable payments infrastructure that connects fiat and digital currencies lets you capture every sale and keep liquidity flowing without being limited by banking hours.
You can accept payments in digital assets and automatically settle them into the fiat currency of your choice.
The custody solutions ensure your funds remain secure, the liquidity providers give you deep markets for conversion, and institutional-grade rates keep your operating costs predictable.
Scaling trading and settlement for non-traditional merchants with OTC solutions
Growth often brings bigger deals and bigger demands.
Larger FX settlements. Bulk liquidity needs. Strategic asset moves across fiat and digital rails.
Traditionally, these trades involve multiple desks, layers of approvals, and unexpected merchant fees that erode margins.
An all-in-one OTC settlement service offers a cleaner route for non-traditional businesses handling frequent large-scale transactions. You work with a single counterparty for deposits, conversions, and withdrawals across over 150 countries and dozens of currencies.
Same-day settlements ensure cash stays active, not frozen. Clear pricing makes forecasting costs easy and protecting take rates easy.
| Solution | Core capability | Impact on merchants |
|---|---|---|
| Corporate digital payments | Accept payments in any currency and settle in your choice | Simplifies global operations with one partner for all payment flows |
| Multicurrency digital wallet | Hold & swap major fiat and digital currencies in one place | Eliminates FX fragmentation; gives real-time visibility on balances |
| Local payment rails network | Tap local rails (Pix, M-Pesa, SEPA, etc.) in 150+ countries | Boosts conversion with familiar local methods and increases reliability |
| 24/7 settlement options | Instant fiat ↔ digital currency conversions and insured custody | Keeps liquidity live around the clock, across time zones and weekends |
| All-in-one OTC settlement | Same-day large-scale FX & digital-asset trades with tiered pricing and pre-approved credit | Speeds up big transactions, locks in predictable spreads, smooths cash flow |
Whether funding a new growth initiative, balancing liquidity across subsidiaries, or managing volatile markets, the Corporate Payment product by APS becomes a tactical extension of your business.
Your business transformed
You started with scattered settlements, delayed cash flow, and too many payment workarounds. Now, you can operate globally — accepting any currency your customers prefer, settling in the currency you need, and managing funds with full visibility.
Chaos becomes command.
Delay becomes momentum.
Fragmentation becomes a strategic advantage.
Your trusted financial partner remains at the center of your strategy, stronger than ever. And your payment experience finally matches the ambition of your business.
Growth doesn’t happen by replacing the old guard but by building the next layer smarter. With a reliable digital payment built to help businesses grow, your non-traditional enterprise will no longer just survives the complexity of global commerce; it will thrive.