When your development team moves fast, payments shouldn’t be the slow part
Code Harbor Limited works across borders, receiving B2B payments and paying contractors and team members internationally.
The company needed a payment setup that could keep up with its day-to-day operations: receive business payments, manage FX, send international transfers, and pay people without turning every transaction into another manual task.
PayDo brought these flows together in one setup.
The Challenge
For an international IT company, moving money across markets creates friction quickly.
Payments can take hours to process. Currency conversion adds cost to every cross-currency transaction. And routine business activity can generate additional questions when a payment provider doesn’t have enough context about how the company operates.
Code Harbor needed:
- a business account with an IBAN;
- incoming and outgoing B2B payments;
- SEPA and SWIFT transfers;
- payroll and contractor payouts;
- currency conversion;
- a team that understood its business model and transaction patterns.
The Solution
With PayDo, Code Harbor consolidated its core payment operations within one infrastructure.
The company could receive B2B payments, manage currency conversion, and send payments to contractors, employees and business counterparties through the same setup.
The biggest changes were visible in three areas: FX costs, payment processing time, and transaction monitoring.
15% Lower FX Costs
Code Harbor reduced its currency exchange costs by 15%.
For a company regularly receiving revenue and covering expenses in different currencies, FX is not a one-off expense. It becomes part of the cost of running international operations.
Reducing that cost made cross-currency payments more efficient without adding another provider to the company’s payment stack.
From Several Hours to Seconds
Code Harbor moved from standard SEPA Credit Transfer to SEPA Instant.
As a result, average payment processing time dropped from several hours to around 5 seconds.
For a project-based IT business, that difference matters. Contractors, employees and suppliers don’t need to wait hours for a payment to move when the underlying payment rail supports processing within seconds.
40% Fewer Transaction-Monitoring Requests
Code Harbor also saw 40% fewer requests from the transaction-monitoring team.
The company’s transaction patterns and business model were understood upfront, reducing unnecessary back-and-forth around routine operations.
Instead of repeatedly explaining how the business moves money, the team could spend less time answering payment-related questions and more time running the business.
One Setup for the Full Payment Flow
Today, Code Harbor can manage the core movement of money around its international operations with PayDo:
Receive → Convert → Pay → Repeat
B2B payments, FX, SEPA and SWIFT transfers, payroll and contractor payouts no longer have to be treated as separate payment problems.
The Results
15%
Lower FX costs
Several hours → ~5 seconds
Average payment processing time after moving to SEPA Instant
40%
Fewer transaction-monitoring requests
How Does Your Payment Flow Compare?
Different clients. Different currencies. Different contractor locations. Different transaction patterns.
Your payment infrastructure should be built around how your IT business actually moves money.
Bring us your current payment flow, and we’ll map out how it could work with PayDo.