International Invoicing & Payment Operations

Mural Pay's finance operations infrastructure combines invoicing, accounts receivable (AR), and accounts payable (AP) functionality for Web3 businesses managing international transactions. The platform enables businesses to create and send multi-currency invoices, collect payments through local payment rails, and execute vendor disbursements through a unified workflow with automatic reconciliation.

Invoicing and Accounts Receivable

Businesses can generate professional invoices with support for multiple currencies, line items, and payment terms. Invoices can be denominated in any of the platform's 20+ supported currencies including USD, EUR, and major Latin American currencies, with customers having flexibility to pay in their local currency using local payment methods (PIX, SPEI, ACH, SEPA). The platform handles currency conversion transparently, displaying amounts to customers in their local currency while managing FX operations on the backend. Invoices can be sent directly via email or shared through payment links, providing a seamless collection experience.

Payment Collection Infrastructure

The invoicing system is deeply integrated with Mural Pay's pay-ins platform, enabling automatic payment routing through the most efficient rails for each geography. When a customer receives an invoice, the payment page presents locally relevant payment options optimized for fast settlement. The platform supports deposits in USD, EUR, CNY, and major Latin American currencies with automatic conversion to stablecoins or preferred settlement currency upon receipt. Once payment is completed, funds are instantly available in the business's Global Stablecoin Account for immediate use or further distribution.

Accounts Payable and Vendor Payments

For outbound payment operations, the platform's payouts infrastructure enables businesses to pay vendors, contractors, and suppliers across borders through local payment rails. Businesses can execute single or bulk payouts across different countries and currencies through a unified interface. The platform handles routing, FX conversion, and settlement automatically, with 95% of cross-border transfers achieving same-day settlement. This is particularly valuable for companies paying remote workers, freelancers, or international suppliers across Latin America and globally.

Batch Payment Processing

For companies managing high-volume payment operations, the platform supports multi-currency bulk payouts through a single interface. Businesses can upload payment files with thousands of recipients across different countries and currencies, and the platform handles routing, FX conversion, and settlement automatically. Payments are routed through PIX for Brazil (instant settlement), SPEI for Mexico (same-day), ACH for United States (1-2 days), and SEPA for European Union (1-2 days), ensuring optimal speed and cost efficiency for each region.

Reconciliation and Accounting

All invoice payments are automatically reconciled against the original invoice, creating a clear audit trail for accounting purposes. Every payout is fully reconciled and auditable by design with transaction records including complete details on source funds, conversion rates, fees, recipient information, and settlement timestamps. The platform provides detailed transaction records and reporting that can be exported for integration with accounting systems and ERP platforms (QuickBooks, NetSuite, Xero), streamlining financial reporting and compliance. This automated reconciliation eliminates manual matching and reduces accounting overhead.

Multi-Currency Management

The platform eliminates the friction of international finance operations where currency mismatches often delay payments or require manual intervention. Customers can pay invoices in their preferred local currency while businesses receive settlement in stablecoins or major currencies. For outbound payments, automatic currency conversion at the point of withdrawal enables businesses to maintain treasury in stablecoins while paying vendors in their local fiat currency. Real-time balance updates and transaction notifications enable finance teams to manage cash flow with precision.

Integration and Automation

The platform provides API access for programmatic invoice creation, payment collection, and disbursement execution. Webhooks enable real-time notifications for invoice payments and payout confirmations, allowing businesses to automate workflows such as triggering order fulfillment upon payment receipt or updating internal systems when vendor payments settle. The developer-first approach enables businesses to integrate finance operations directly into their existing platforms and applications.