The World's LargestCross-Border PaymentTesting Network
Verify your international payments work correctly with real bank accounts in multiple countries. Get confirmation of receipt from verified testers, before you go live.
A payment rail connects to a bank, not to an individual account. Prove the rail into a bank once and it is proven for every account holder that bank serves. The banks in our network, from the world's largest to single-branch community banks, serve more than a billion account holders between them.
Why PennyCent
Built for Payment Teams That Can't Afford to Fail
Enterprise-grade payment verification infrastructure that gives you confidence at every stage of deployment.
Coverage
170 Countries & Territories
Test payments into real bank accounts and mobile wallets held by verified testers, over rails from SEPA and ACH to SWIFT, in 130+ currencies.
Updates
Notified When Testers Confirm
Get notified as soon as a tester confirms receipt, with proof of receipt and a full audit trail in your dashboard.
Data protection
Personal Data, Protected
Personal data is encrypted in storage and in transit, and handled under UK GDPR as set out in our Privacy Policy.
How It Works
From Setup to Verified in Hours, Not Weeks
Our streamlined process gets you real cross-border payment verification faster than any alternative.
01
Submit Your Request
Tell us the destination countries, payment rails and testing scenarios you need, and we match you with verified testers in those markets.
02
Send Test Payments
Make small-value live payments to real bank accounts held by verified testers in your target markets.
03
Get Verified Results
Get notified as soon as a tester confirms receipt, with proof of receipt and a report for each payment route.
Customer Stories
Trusted by Businesses Worldwide
See what payment teams have to say about PennyCent
"PennyCent transformed our cross-border payment validation process. We've reduced testing cycles from weeks to hours."
"The real-time notifications and global coverage are exactly what we needed. Essential tool for any payment infrastructure team."
"Setting up payment testing used to take weeks of coordination. With PennyCent, we were up and running in minutes with coverage across 50+ markets."
Global Coverage
Wherever You Send Money, We're There
Test payments across 170 countries and territories with verified bank accounts and real testers in every major market
USD
EUR
GBP
JPY
AUD
CAD
CHF
CNY
INR
SGDPayment rails & schemes supported
- SWIFT
- SEPA
- ACH
- Faster Payments
- PIX
- Mobile wallets
Frequently Asked Questions
Everything you need to know about PennyCent
PennyCent connects you with verified testers who have real bank accounts in different countries. You send a small test payment, and our testers confirm receipt with proof, giving you confidence that your payment routes are working correctly before going live.
You'll receive real-time notifications as soon as a tester confirms receipt of your cross-border test payment. Our average turnaround is under 24 hours.
We currently support payment testing across 170 countries and territories spanning 6 continents and 130+ currencies, with verified testers holding real bank accounts across the Americas, Europe, Africa & Middle East, and Asia Pacific.
PennyCent can provide cross-border test results across multiple payment schemes and rails, including SWIFT, cross-border ACH, cross-border real-time payments (RTP/ACH), cross-border wallets, cross-border to mobile, and cross-border to card.
PennyCent can accommodate B2B, B2P, P2B and B2B2P testing scenarios. We also offer cross-border account receivable and pay-in testing.
If a tester doesn't receive your payment within the expected timeframe, you'll be notified immediately. Our system tracks all payment statuses and provides detailed reports to help you identify and resolve any issues with your payment routes.
Stablecoin testing
BETAThe Network That Proves Bank and Wallet Corridors Is Coming to Stablecoins
Stablecoins are becoming a real settlement rail for cross-border payments, and they carry the same question as every rail before them: does the corridor actually work? Stablecoin Testing, now in beta, validates stablecoin payment corridors stage by stage.
Ready to Test Your Payments?
Stop guessing whether your cross-border payment routes work. Get real verification from real bank accounts — in hours.