SWIFT Payins

Receive USD from payers abroad over SWIFT, on the rail they already use

Cobre enables businesses to receive international USD payments over SWIFT. Payers outside the United States keep paying the way they already do, while the funds are tracked and reconciled in Cobre alongside every other collection.

1. What Cobre Enables with SWIFT Payins

With SWIFT payins, Cobre allows companies to:

Receive USD from payers outside the United States over SWIFT

Let international payers use a rail they already know, with no change to how they operate

Collect in the United States and internationally through a single provider

Track each inbound payment with transactional visibility

Reconcile SWIFT receipts alongside payouts, internal transfers, and other payins

2. SWIFT Payins in the Cobre Model

A SWIFT payin is an inbound money movement with the following characteristics:

Property	Details
Origin	A third party at a financial institution abroad
Destination	The client's USD Cobre Balance
Speed	Depends on the payer's bank and any intermediary banks involved
Visibility	Reflected on the Cobre Balance through transactions and reports

3. Why It Matters

Companies that collect from international customers or partners usually need a different method for each payer. With SWIFT available next to Fedwire, Cobre gives businesses one provider to collect USD in the United States and from the rest of the world, with a single balance, one transaction model, and one reporting layer.

4. Typical Business Use Cases

Collecting USD from international customers

Receiving payments from partners and affiliated entities abroad

Funding a Cobre Balance with USD from abroad before running a payout cycle

5. Transactions, Reporting & Reconciliation

Every SWIFT payin generates a Transaction that credits the receiving Cobre Balance, appears in transaction lists and balance statements, and is included in Cobre's standard reconciliation reports alongside all other collections and payouts.

6. Summary — What Cobre Delivers with SWIFT Payins

✔ USD collections from payers abroad over SWIFT

✔ Payers keep using the rail they already know

✔ One provider to collect in the United States and internationally

✔ The same transaction, reporting, and reconciliation model as every other rail

To send international USD payments from the same balance, see SWIFT Payouts.

📘 Ready to integrate? See the SWIFT Payins API Guide for the full integration flow.

SWIFT Payins

Receive USD from payers abroad over SWIFT, on the rail they already use#

1. What Cobre Enables with SWIFT Payins#

2. SWIFT Payins in the Cobre Model#

3. Why It Matters#

4. Typical Business Use Cases#

5. Transactions, Reporting & Reconciliation#