Move money globally, settle locally.

Collect in-market, route intelligently, and pay out across borders — through one API.

image of a globe connected with lines and dots

Everything your cross-border payments stack needs.

High fees, slow settlement, and fragmented banking relationships shouldn't be the cost of going global. RidgeX gives you direct access to local rails in supported markets — without the setup overhead.

Local collection

Accept payments via domestic rails in 50+ countries
No local entity required in each market
Funds received into dedicated virtual accounts per customer or market

Intelligent routing

Every transaction routed to the fastest, lowest-cost available rail
Dynamic selection reduces failure rates
No manual configuration per market

Cross-border payout

Pay suppliers, merchants, and contractors in their local currency
SWIFT, local ACH equivalents, and real-time rails supported
Bulk payout and single transaction flows both available

Real-time FX

Convert at interbank rates inside the payment flow
No third-party FX provider required
Rates applied transparently — no hidden spread

Integrate in minutes, not months.

Our REST API is designed to be straightforward. You get:

Clean API documentation with code examples
Webhook notifications for every payment event
SDKs for common languages
Sandbox environment for testing before go-live