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We partner with over 50,000 organisations of all sizes, providing local knowledge and proactive support to help manage international payments efficiently.

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Manage the risk of doing international business


Don’t get caught out

It can be difficult to budget ahead when exchange rates shift between the time you receive an invoice and its due date.

Our experienced risk solutions experts are here to help you formulate a plan to manage currency risk exposures, aligned to your business goals and objectives.

You're in good company

Our global compliance experts work tirelessly to protect your payments.

Over 500 banks and financial institutions rely on Western Union Business Solutions for the processing of international payments. As a leader in our field, Western Union is often invited to collaborate with regulators in the development of compliance frameworks governing international currency exchange and money transfers.

Gain confidence in your cash flow

It can be challenging for businesses to identify where their cash flow is exposed to currency volatility.

Our experts are here to help you ensure the appropriate tools are being utilised to help you identify risk and keep cash flow running smoothly.


Forwards Contracts

Lock in an FX rate for a future date up to a year in advance, so you can secure margins even if the market moves. This way, you know in advance exactly what exchange rate will be applied to your transaction.

It is important to keep in mind that when you book a Forward Contract you are obligated to exchange funds at maturity, regardless of what the available spot rate is at that time.

Market Orders

Secure a desired exchange rate by taking advantage of our 24-hour market monitoring facility. We watch the markets on your behalf, even while you’re sleeping, and either notify you if your target rate is reached, or process your order for you automatically if preferred.

Future Payments

If the market has moved in your favour, but you’re not due to pay for weeks or even months, Future Payments let you lock-in the current exchange rate up to 90 days in advance. Your bottom line is protected, your foreign funds are ready when you need them, and there’s zero upfront cost.

Option Contracts

Option Contracts provide protection from adverse market developments while also giving you the opportunity to participate in favourable moves. In general, an Option will offer a lesser degree of protection in exchange for a greater degree of upside participation. This flexibility allows you to tailor your strategy to your specific requirements, hedging objectives and risk appetite.

Contact a FX risk management specialist now

Western Union Business Solutions (“WUBS”) is an issuer of the financial products discussed herein and would be a counterparty to any transaction you undertake with WUBS. A Product Disclosure Statement is available for each of the financial products that WUBS issues and can be obtained by visiting our compliance and legal web page. Any advice provided in this communication is general and does not take account of your financial situation, objectives or needs. Because of this, before you act on it (including making any decision and/or trading) you should consider its appropriateness having regard to your own objectives, financial situations and/or needs. Before you decide to acquire a financial product from WUBS you should read and consider the relevant product disclosure statement. The information contained herein does not constitute an invitation or inducement to engage in investment activity of any kind. Despite any information WUBS may provide, you should use your independent judgment and consult with your own independent advisors in evaluating whether to enter into a transaction with WUBS. Customers may be required to meet certain eligibility requirements in order to enter into financial products with WUBS.