---
title: International payments
slug: tutorials/cos-explorer/international-payments
docTags:
createdAt: 2025-08-24T12:25:50.719Z
---
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## What you will learn
✅ How to get an estimate of the exchange rate for a cross border international payment
✅ How to get a quote
✅ How to send a payment
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Learn about [International payments](docId:3EvRgfMqC_15mbLV_j3cp).
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## Before you begin
Make sure you have:
- [COS Explorer access](docId\:JwSEUG3ELF_gXLhy6T9KI)
- Account number of the sending Cross River account
- Sending account configured by Cross River to send International Payments
- Fees configured by Cross River according to your signed agreement
## Get an estimate
Before committing to sending an International Payment, you can get an estimated FX rate for your desired currency. This optional step includes Cross River's spread fee charge and does not require beneficiary information.
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A red asterisk (\*) indicates a required field.
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Go to **Get Estimate** in the **International** area.
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Click **Get Estimate**. Enter your account number (**Originator Account**) in the search bar.
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In the currency box enter *either* the dollar amount you want to send *or* the foreign currency amount you want the beneficiary to receive. Do not enter both values. Select a Currency.
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Click **Get Estimate**. A currency estimate displays.
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## Get quote and send payment
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A red asterisk (\*) indicates a required field.
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Go to **Originate Payment** in the **International** area.
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Complete all required fields including **Beneficiary Group Information** details. For **Priority**, **Yes** indicates [SWIFT](docId\:ZbEtirMC3fdQjvz5teR0i) and **No** indicates local rail.
| Required Field | Description |
| -------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Originator Account | Account number of the sending Cross River account. |
| Currency | Currency the customer is converting funds into. 3-letter ISO currency code. |
| From Amount | The amount in USD to be transferred.
Leave blank if you provide a toAmount.
Leave out the decimal point between the dollars and the cents. |
| To Amount | The amount in the specified currency to be received.
Leave blank if you provide a fromAmount.
Leave out the decimal point between the dollars and the cents. |
| Purpose | A 1-12 character code that indicates the reason for a transaction. This code is required for certain markets (countries). |
| Entity Type | Select Individual or Company |
| Country Code | Two-letter ISO country code. For a company entity, the country where it's registered. For an individual, the country where they're based. |
| Routing Code Type 1 | This must be populated with Clabe for payments to **Mexico**. Both the Account Number and Iban fields must be left blank. |
| Routing Code Value 1 | This must be populated for **Mexico** with an 18 digit CLABE number. Both the Account Number nad Iban fields must be left blank. |
| Bank Country Code | Two-letter code for the country where the beneficiary's bank account is held. |
| Bank Name | Name of the beneficiary's bank. |
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The required information, such as, account number, IBAN, BIC/SWIFT, sort code, may vary depending on the destination country of the international payment.
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Complete all required fields including **Originator** Information details. The required fields differ depending on whether you select `Entity Type`** Individual** or** Company**.
If you select **Individual**:
| Required Field | Description |
| -------------- | ----------------------------------------------------------------------- |
| First Name | First name of the originator of the funds. |
| Last Name | Last name of the originator of the funds. |
| Birth Date | Date of birth. The date is in the format yyyy-mm-dd. |
| Address | Address of the originator of the funds. |
| City | Originator city. |
| State | Originator state. |
| Country Code | Two letter ISO country code. The country where the originator is based. |
If you select **Company**:
| Required Field | Description |
| -------------------- | ------------------------------------------------------------------------- |
| Entity Name | Name of the company. |
| Address | Address of the originator of the funds. |
| City | Originator city. |
| State | Originator state. |
| Postal Code | Originator postal or ZIP code. |
| Country Code | Two letter ISO country code. The country where the company is registered. |
| Identification Type | This has to be IncorporationNumber. |
| Identification Value | Business EIN (Employer Identification Number) |
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At the bottom of the screen, click **Get Quote**.
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You will now see will see an **Originate Payment** pop-up which will display the **Originator**, **Receiver** and **Transaction Info information**. If it all look correct, click **Submit **to send the payment**.**
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The FX quote is only valid for 60 seconds before it expires. If you click **Submit** after the quote expires you will need to go back to Step 3 and regenerate a quote.
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To view your payment status click **Payments **in the** International **menu.
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