How Uniffy works
Seven steps from instruction to proof
Uniffy treats a cross-border payment as an obligation with a lifecycle, not a balance you hope arrives. This page explains what happens at each step without exposing how the plumbing is built.
Create an account or identify an institution
Individuals open an account in the Uniffy app. Schools and businesses are onboarded by our partnerships team.
Verify identity and eligibility
We confirm who you are and whether the product is available for your country and customer type before you can pay.
Create an obligation or payment instruction
Choose the beneficiary, the amount and the purpose. Beneficiaries are verified institutions or accounts you have added and confirmed.
See route, fees, currency and expected timing
Before you approve, you see the exchange rate, every fee, the destination amount and the service window. Quotes have an expiry.
Approve and authenticate
You confirm with strong authentication. Nothing moves without your explicit approval of that exact quote.
Track execution and settlement
Follow the payment through processing to settlement. If a provider is slow, the status says so; it never guesses.
Receive receipt, reconciliation and support
You get a durable receipt and timeline. Institutions receive references they can match. Support can see the same record you do.
What you always see before you approve
Source and destination amount
In both currencies, rounded the way that currency is rounded.
Rate and spread
The exchange rate applied and how it compares with the mid-market reference.
Itemised fees
Every fee, and any tax, listed separately rather than blended into the rate.
Expiry and service window
How long the quote is valid and when the payment is expected to settle.
If a quote expires, you get a new one. You are never charged twice for re-quoting, and an unknown outcome is shown as processing, not as failed.
What happens when something goes wrong
Cancellation
Before execution you can cancel. After execution, eligibility depends on the rail and the corridor's rules, and we tell you which applies.
Refunds
Where a refund is possible, you see the eligibility and the calculation before it is requested. Larger refunds are reviewed by two people.
Complaints
Every customer has a documented complaints route and, where applicable, an external dispute-resolution body. See the complaints page.
Details for your country are in complaints and terms.
See whether Uniffy is open where you need it
The availability matrix shows every product, corridor and customer type with its real state.