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    PENNYCENTTM

    Fiat and stablecoin payment testing

    The World's LargestCross-Border PaymentTesting Network

    Test bank, wallet and stablecoin corridors with real money into real accounts. A verified tester in the destination country confirms what arrived, when, and under what name, so you know the route works before your customers depend on it.

    View network coverage
    • No setup fees
    • Under 24h average turnaround
    • No integration required
    Test corridor
    GBP
    EUR

    United Kingdom to Germany

    • Test payment
    • SEPA
    • Received 09:14

    Proof of receipt

    Illustrative corridors: an illustration of how a test payment is confirmed, not live data

    Network scale

    170
    Countries and territories
    130+
    Currencies
    76
    Mobile wallet networks
    3.2 billion+
    Account holders reachable

    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 3.2 billion account holders between them.

    Fiat testing

    Test the route, not the sandbox

    A sandbox tells you a payment was accepted. It can't tell you whether it arrived, how much was taken on the way, or what name the beneficiary saw. PennyCent tests run over live rails into accounts held by real people and businesses.

    Scenarios
    B2B, B2P, P2B, B2B2P, pay-ins
    Account types
    Personal, business, mobile wallet
    Batching
    Many countries in one request
    Search coverage by country, currency or flow
    Payment rails PennyCent tests, and what a test confirms on each
    RailWhat a test confirms
    SWIFTInternational wiresWhat arrived after intermediary and receiving-bank deductions, and the sender name the beneficiary's bank displayed.
    SEPAEuro credit transfersReceipt into euro accounts across the SEPA zone, with the reference intact.
    ACHUnited StatesReceipt into US bank accounts on the domestic scheme.
    Faster PaymentsUnited KingdomReceipt into UK accounts on the domestic scheme.
    PIXBrazilInstant receipt into Brazilian bank accounts.
    Mobile wallets76 networks, 61 countriesBusiness-to-wallet and person-to-wallet payouts, confirmed by the wallet holder.
    Europe
    47 countries
    Americas
    37 countries
    Asia Pacific
    32 countries
    Middle East & Africa
    54 countries

    Major currencies supported

    • USD
    • EUR
    • GBP
    • JPY
    • AUD
    • CAD
    • CHF
    • CNY
    • INR
    • SGD

    and 120 other currencies across the network

    Corridor & provider vault

    Bank accounts and mobile wallets, in one batch

    The same pickers your team uses in the PennyCent portal. Choose bank destinations by country or currency, or go straight to the wallet networks people in that market actually use: M-Pesa in Kenya, MTN MoMo in Uganda, Wave in Gambia.

    Countries, bank
    170
    With business accounts
    28
    Countries, wallet
    61

    Customer portal

    Corridor & provider vault

    Interactive preview

    3 countries selected · 0 currencies

    How it works

    From request to verified route in hours

    1. 01

      Tell us the corridors

      Destination countries, rails, currencies and scenarios: B2B, B2P, P2B, B2B2P or pay-ins. We match each one to verified testers holding accounts in that market.

    2. 02

      Send small live payments

      Pay the testers' real accounts from your own production stack, over the rails your customers will use. No integration with PennyCent is needed.

    3. 03

      Get a result per route

      Each tester confirms what arrived and when, with proof. Routes that fail or arrive short are flagged, so you fix them before launch, not after a customer complaint.

    Average turnaround under 24 hours. No setup fees.

    Stablecoin testing

    Beta

    The 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.

    Explore Stablecoin Testing
    1. Stage 1

      On-Ramp

      The payer and a licensed on-ramp or exchange convert fiat into stablecoin.

    2. Stage 2

      Compliance

      Sanctions screening and Travel Rule checks are completed before any tokens move.

    3. Stage 3

      Blockchain

      A public network settles the transfer, and the issuer backs the token 1:1 in reserves.

      Network Partner endpoint
    4. Stage 4

      Off-Ramp

      The recipient and an off-ramp convert the stablecoin into local currency.

      Network Partner endpoint
    5. Stage 5

      Settlement

      Funds land in a local bank account or mobile-money account.

      Network Partner endpoint

    Network participation

    The people behind every verified payment

    Every result on PennyCent comes from a verified tester who holds a real bank account or wallet in the destination country. If you hold one in a covered market, you can join them.

    Become a testerStablecoin Network Partners
    1. 01Sign up with your countryCreate a tester account and tell us where you hold your bank account or wallet.
    2. 02Admin reviewOur team reviews your details and assigns you to one country, based on your verified account location.
    3. 03Receive test paymentsCustomers send small live payments to your account. You're notified each time one is on its way.
    4. 04Report what arrivedWithin five business days, record the time received, the amount, the sender name your bank shows and the reference, with a screenshot.

    Evidence and controls

    Results your compliance team can file

    Every test leaves a structured record: who received the payment, what arrived, when, and how it was verified. Attach it to a change ticket, a scheme onboarding pack or an audit file.

    Proof of receipt TB-2041-05Example
    Corridor
    EUR → GBP · Faster Payments
    Received
    15:07, local time
    Amount
    GBP 10.00
    Sender name shown
    YOUR COMPANY LTD
    Reference
    TB-2041-05
    Screenshot
    Attached
    Confirmed with proof of receipt
    Tester verification
    Every tester is checked by our admin team and assigned to one country, based on their verified bank account location, before they receive a test payment.
    Proof of receipt
    For each payment the tester records the date and time received, the amount in local currency, the sender name as their bank shows it and the payment reference, with a screenshot attached.
    Audit trail and exports
    Every status change is logged in your dashboard. Results export to CSV or Excel for change tickets and audit files.
    Unconfirmed payments
    Testers have five business days to report. If a payment isn't confirmed in the expected window, you're told, so a failed route surfaces as a result rather than silence.
    Personal data
    Encrypted in storage and in transit, and handled under UK GDPR as set out in our Privacy Policy.
    Legal entity
    PennyCent is a trading name of The Fintech Practice Ltd, registered in England and Wales, company number 13991649.

    Customers

    What payment teams tell us

    “PennyCent transformed our cross-border payment validation process. We've reduced testing cycles from weeks to hours.”
    Chief Product OfficerSeries B Fintech
    “The real-time notifications and global coverage are exactly what we needed. Essential tool for any payment infrastructure team.”
    Head of PaymentsGlobal Fintech Leader
    “Setting up payment testing used to take weeks of coordination. With PennyCent, we were up and running in minutes with coverage across 50+ markets.”
    VP of EngineeringCross-Border Payment Provider

    FAQ

    Frequently asked questions

    More in the Help Centre.

    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.

    Find out whether the payment lands before your customers do

    Tell us the destination countries, rails and scenarios you need. We'll match you with verified testers in those markets.