Large invoices, tight margins, a better rate.
When invoices run into six figures, the spread is the cost. Junto nets your payables by currency and value date and executes one optimized payout per batch.
Illustrative figures based on typical bank spreads and per-wire fees. Your actual result depends on your providers.
On big tickets, the spread is the whole story.
Fixed fees barely register when the invoice is €90,000 — but a marked-up rate on that amount is a line item your margin cannot absorb.
The rate is the cost
A 1.9% spread on a €90,000 supplier payment is €1,710 — quietly, on a single transfer.
Deposits and balances multiply transfers
Thirty percent up front, seventy on shipping means two spreads per order rather than one.
Settlement timing matters
Value dates drive when goods release. Payment runs are scheduled around shipping, not convenience.
Rates are opaque
The quoted rate rarely matches the mid-market rate, and the difference is not itemised anywhere.
Treasury discipline on every payout.
Net before you pay
Payables in the same currency net into one position, so you buy the currency once at one optimized rate.
Control the value date
Batches group by currency and value date, so payouts land exactly when shipping terms require.
See the spread
Every quote shows the rate applied and the cost of the same run paid invoice by invoice.
See what Junto keeps in your pocket.
Move the sliders to match your monthly payables. The estimate updates live.
Buy the currency once, at a better rate.
Connect your accounting system and see your savings in minutes. No migration, no new bank account.
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