{ "name": "Thunes", "slug": "thunes", "website_url": "https://www.thunes.com", "vendor_description": "\"Thunes is the Smart Superhighway to move money around the world.\"", "categories": [ "payouts" ], "summary": "Thunes is a REST API for cross-border payouts and payment acceptance, covering 140+ countries with use cases spanning gig worker payouts, marketplace disbursements, MTO infrastructure, NGO transfers, and e-commerce refunds. Pricing is custom-negotiated with no published rates, requires a sales agreement before production access, and includes minimum volume commitments with non-usage fees. The API supports webhooks, HMAC signature auth, and a sandbox environment, and holds certifications for GDPR, ISO 27001, and PCI DSS. Customers include Revolut, PayPal, Uber, Western Union, and Remitly.", "capabilities": { "supported_actions": [ "create_payout", "create_quotation", "confirm_transaction", "cancel_transaction", "credit_party_lookup", "credit_party_verification", "get_exchange_rates", "list_services", "list_payers", "list_countries", "get_transaction_status", "get_balance", "get_balance_movements", "get_topup_instructions", "get_transaction_reports", "upload_file_attachment", "simulate_transaction_status", "create_payment_order", "charge_payment_order", "refund_payment_order", "cancel_payment_order", "create_quotation_acc", "recipient_onboarding", "merchant_onboarding", "create_internal_transfer", "create_payout_request", "webhooks", "batch_payouts" ], "supported_regions": [ "140+ countries", "Bangladesh", "Brazil", "Canada", "Chile", "China", "Colombia", "Egypt", "Ethiopia", "Ghana", "India", "Indonesia", "Japan", "Kenya", "Korea", "Malaysia", "Mexico", "Morocco", "Pakistan", "Philippines", "South Africa", "Taiwan", "Tanzania", "Thailand", "Turkey", "Uganda", "UK", "USA", "Vietnam", "Zambia", "SEPA region" ], "supported_languages": [], "input_types": [ "bank transfer", "local bank rails", "ACH", "Same-Day ACH", "RTP (real-time payment rails)", "SEPA", "SWIFT", "mobile wallet", "push-to-card (Mastercard, Visa, UnionPay)", "stablecoin wallet (USDC, USDT)", "open banking", "credit/debit card", "cash pickup", "BNPL" ], "output_types": [ "JSON", "webhook events", "payment status", "transaction reports (file download)", "FX rate quotes", "balance statements", "remittance data" ], "webhooks_supported": true, "sandbox_available": true, "sdk_languages": [], "mcp_server_available": false }, "integration": { "api_style": "rest", "base_url": null, "api_version": "v2", "versioning_scheme": "url", "stability": "ga", "deprecation_policy_url": null, "auth_methods": [ "basic", "hmac_signature" ], "auth_docs_url": "https://docs.thunes.com/money-transfer/v2/", "idempotency_supported": false, "error_format": "vendor-specific", "webhook_signing": "hmac_sha256", "webhook_events_url": null, "rate_limit_requests": null, "rate_limit_window": null, "sdk_packages": [], "mcp_url": null, "quickstart_url": "https://docs.thunes.com/money-transfer/v2/" }, "pricing": { "pricing_model": "contact_sales", "has_published_pricing": false, "starting_price_usd": null, "price_basis": null, "free_tier_available": false, "free_tier_limit": null, "free_tier_details": null, "minimum_commitment": "Monthly Volume Target and Minimum Corridor Commitment specified per Order Document; Non-Usage Fee charged for months where Monthly Volume Target is not met; Early Termination Fee applies if agreement is cancelled before Initial Term expiry.", "self_serve_signup": false, "requires_sales_call": true, "requires_verification": true, "enterprise_plan_available": true, "price_points": [] }, "compliance": { "soc2": null, "hipaa": null, "gdpr": true, "iso_27001": true, "pci_dss": true, "sla_published": false, "sla_url": null, "data_retention_policy_url": null, "documented_rate_limits": null, "known_restrictions": [ "Requires negotiated enterprise agreement and Order Document before production access", "Minimum Volume and Minimum Corridor Commitments apply per agreement; Thunes may increase fees if volume drops 20%+ over 3 months", "Money Transmitter Licenses held in all 50 US states; Authorised Payment Institution (UK FCA); Major Payment Institution (MAS Singapore); Payment Institution License (French ACPR); Money Service Operator (Hong Kong) - clients must comply with local AML/KYC requirements", "No published per-transaction fees or FX markup rates; pricing is custom negotiated", "Sandbox/pre-production access requires account creation (endpoint details provided upon account creation)", "KYC/AML compliance required: mandatory sender/beneficiary fields for KYC screening", "64-bit integer required for Quotation IDs and Transaction IDs - 32-bit data types will break integrations", "Non-Usage Fee charged monthly if Monthly Volume Target is not attained" ] }, "developer": { "docs_url": "https://docs.thunes.com/", "api_reference_url": null, "openapi_spec_url": null, "postman_collection_url": null, "changelog_url": null, "status_page_url": null, "llms_txt_url": null, "markdown_docs_url": null, "rendering": null }, "adoption": { "launched_at": "2019-01-01", "ga_date": null, "github_stars": null, "github_stars_at": null, "notable_customers": [ "Revolut", "PayPal", "Grab", "Uber", "Deliveroo", "Remitly", "Western Union" ] }, "scores": { "agent_friendliness": 10, "pricing_transparency": 0, "setup_speed": 25, "docs_quality": 15, "procurement_friction": 0, "trust_readiness": 40, "best_for": [ "Teams needing broad API coverage out of the box" ], "avoid_if": [ "You need to start building today without contacting sales", "You need transparent pricing up front", "You want to try it free before paying" ] }, "sources": [ { "field": "sandbox_available", "url": "https://docs.thunes.com/accept/v1/", "excerpt": "Environments: Production and Sandbox (test) available", "confidence": "high" }, { "field": "vendor_description", "url": "https://www.thunes.com/", "excerpt": "Thunes is the Smart Superhighway to move money around the world.", "confidence": "high" }, { "field": "categories", "url": "https://www.prnewswire.com/news-releases/thunes-empowers-the-global-economy-with-instant-cross-border-payouts-for-gig-and-remote-workers-302728648.html", "excerpt": "Thunes offers real-time cross-border payouts accessible via a single API... disburse funds in real time to bank accounts, mobile wallets, and stablecoin wallets", "confidence": "high" }, { "field": "supported_regions", "url": "https://www.prnewswire.com/news-releases/thunes-empowers-the-global-economy-with-instant-cross-border-payouts-for-gig-and-remote-workers-302728648.html", "excerpt": "12 billion bank accounts, mobile wallets, and stablecoin wallets, across 140 countries, 24/7", "confidence": "high" }, { "field": "webhooks_supported", "url": "https://docs.thunes.com/money-transfer/v2/", "excerpt": "Webhook Callbacks — POST requests to partner-provided URL on status changes", "confidence": "high" }, { "field": "vendor_description", "url": "https://www.prnewswire.com/apac/news-releases/thunes-accelerates-us-growth-and-investment-opens-strategic-new-york-city-hub-302794383.html", "excerpt": "Thunes is the Smart Superhighway to move money around the world. Thunes' proprietary Direct Global Network allows Members to make payments in real-time in over 140 countries.", "confidence": "high" }, { "field": "categories", "url": "https://docs.thunes.com/accept/v1/", "excerpt": "Thunes Accept API enables global payment collections across various payment verticals, including Mobile Wallets, Bank Accounts, Open Banking, Cards, and BNPL (Buy Now, Pay Later).", "confidence": "high" }, { "field": "supported_regions", "url": "https://www.thunes.com/", "excerpt": "Thunes' Direct Global Network reaches more than 130 countries in 80 currencies and over 320 payment methods", "confidence": "high" }, { "field": "input_types", "url": "https://www.prnewswire.com/news-releases/thunes-expands-global-reach-with-launch-of-pay-to-card-solution-connecting-members-to-mastercard-visa-unionpay-302287520.html", "excerpt": "Thunes now connects Members of its proprietary Network to 15 billion cards globally, including Mastercard, Visa, and UnionPay, making cross-border payments faster, more efficient, and more accessible than ever before.", "confidence": "high" }, { "field": "supported_actions", "url": "https://docs.thunes.com/money-transfer/v2/", "excerpt": "Create Quotation, Create Transaction, Confirm Transaction, Retrieve Status, Cancel Transaction, Credit Party Information Lookup, Credit Party Verification, Balance inquiries, Balance movement history, Topup instructions, Daily/periodic transaction reports, Upload supporting documents, Webhook Callbacks", "confidence": "high" }, { "field": "input_types", "url": "https://www.prnewswire.com/news-releases/thunes-unlocks-real-time-payments-to-the-us-from-the-rest-of-the-world-302788412.html", "excerpt": "USD payouts through Automated Clearing House (ACH), Same-Day ACH, and real-time payment rails", "confidence": "high" }, { "field": "input_types", "url": "https://en.wikipedia.org/wiki/Thunes", "excerpt": "The platform enables transactions to digital wallets, bank accounts, stablecoin wallets, and cash outlets.", "confidence": "high" }, { "field": "supported_actions", "url": "https://docs.thunes.com/accept/v1/", "excerpt": "Create payment orders, Charge authorized payments, Refund charged payments, Cancel payment orders, Create currency conversion quotations, Create internal account transfers, Create withdrawal requests, merchant onboarding", "confidence": "high" }, { "field": "sandbox_available", "url": "https://docs.thunes.com/money-transfer/v2/", "excerpt": "The API is available in 2 environments: production and pre-production", "confidence": "high" }, { "field": "iso_27001", "url": "https://www.thunes.com/a-fully-compliant-and-regulated-network/", "excerpt": "Thunes is certified under ISO 27001 and PCI-DSS, which demonstrate their commitment to industry security standards.", "confidence": "high" }, { "field": "pci_dss", "url": "https://www.thunes.com/a-fully-compliant-and-regulated-network/", "excerpt": "Thunes is certified under ISO 27001 and PCI-DSS, which demonstrate their commitment to industry security standards.", "confidence": "high" }, { "field": "gdpr", "url": "https://www.thunes.com/privacy-notice/", "excerpt": "Thunes has a Privacy Management Program that ensures compliance with the EU and UK General Data Protection Regulations (GDPR), Singapore's Personal Data Protection Act (PDPA), and other privacy regulations.", "confidence": "high" }, { "field": "hipaa", "url": "https://www.thunes.com/security/", "excerpt": null, "confidence": "low" }, { "field": "pricing_model", "url": "https://www.thunes.com/legal-thunes-terms/", "excerpt": "Fees may be based on assumptions that you will submit an aggregate minimum number of Transactions per calendar month (Minimum Volume) and/or a minimum number of Transactions per calendar month in specific jurisdictional corridors (Minimum Corridor Commitment), which will be notified to you in writing by Thunes.", "confidence": "high" }, { "field": "minimum_commitment", "url": "https://www.thunes.com/legal-thunes-terms/", "excerpt": "Thunes will charge you a Non-Usage Fee (as set out in the Order Document) for each month that you do not attain the Monthly Volume Target.", "confidence": "high" }, { "field": "known_restrictions", "url": "https://en.wikipedia.org/wiki/Thunes", "excerpt": "money transmitter licenses in all 50 US states; Major Payment Institution (Monetary Authority of Singapore); Authorised Payment Institution (UK Financial Conduct Authority); Payment Institution License (French ACPR); Money Service Operator license (Hong Kong)", "confidence": "high" }, { "field": "requires_sales_call", "url": "https://docs.thunes.com/money-transfer/v2/", "excerpt": "Production and Pre-Production available. IPSec VPN or HTTPS connectivity options. Endpoint details provided upon account creation.", "confidence": "high" }, { "field": "primary_use_cases", "url": "https://collection-docs.thunes.com/docs/introduction-merchant", "excerpt": "Thunes Collections is a payment orchestration platform specialized in providing Merchants and PSP with other payment methods than Credit Card.", "confidence": "high" }, { "field": "auth_methods", "url": "https://developers.thunes.com/money-transfer/v1/", "excerpt": "The API employs Digest Auth using HMAC-SHA-256 for request signing. Required headers include: X-TransferTo-apikey, X-TransferTo-nonce, X-TransferTo-hmac, Date.", "confidence": "high" }, { "field": "api_style", "url": "https://developers.thunes.com/money-transfer/v2/", "excerpt": "HTTP Status Codes: 200 OK, 201 Created (for POST operations), 400 Bad Request, 401 Unauthorized, 404 Not Found, 500 Server Error", "confidence": "high" }, { "field": "api_version", "url": "https://developers.thunes.com/money-transfer/v2/", "excerpt": "Endpoints of the API are prefixed with a corresponding version number. The documentation covers v2.", "confidence": "high" }, { "field": "stability", "url": "https://docs.thunes.com/money-transfer/v2/", "excerpt": "No breaking changes will be introduced within a major version.", "confidence": "medium" }, { "field": "error_format", "url": "https://developers.thunes.com/money-transfer/v2/", "excerpt": "{\"errors\": [{\"code\": \"1000401\", \"message\": \"Unauthorized\"}]}", "confidence": "high" }, { "field": "requires_verification", "url": "https://docs.thunes.com/money-transfer/v2/", "excerpt": "Specific details relating to the endpoints will be provided upon account creation.", "confidence": "high" }, { "field": "launched_at", "url": "https://en.wikipedia.org/wiki/Thunes", "excerpt": "In February 2019, TransferTo announced a rebranding and separation of its operations, with the cross-border payments infrastructure becoming the distinct entity Thunes.", "confidence": "high" }, { "field": "notable_customers", "url": "https://www.thunes.com/", "excerpt": "Thunes is a global B2B payment infrastructure platform that powers payments for gig economy giants such as Uber and Deliveroo and Southeast Asia's super-app Grab to global fintech leaders such as PayPal, Remitly, Finastra and Revolut.", "confidence": "medium" }, { "field": "sdk_packages", "url": "https://developers.thunes.com/money-transfer/v2/", "excerpt": "No SDK packages documented. cURL examples provided for HTTP requests.", "confidence": "high" }, { "field": "iso_27001", "url": "https://www.thunes.com/", "excerpt": "Thunes is licensed in 50 markets and PCI DSS and ISO27001 compliant, and offers industry-leading expertise with advanced risk management capabilities.", "confidence": "high" }, { "field": "pci_dss", "url": "https://www.thunes.com/", "excerpt": "Thunes is licensed in 50 markets and PCI DSS and ISO27001 compliant, and offers industry-leading expertise with advanced risk management capabilities.", "confidence": "high" }, { "field": "soc2", "url": "https://www.thunes.com/security/", "excerpt": null, "confidence": "low" }, { "field": "sla_published", "url": "https://docs.thunes.com/money-transfer/v2/", "excerpt": "No explicit rate limiting, throttling thresholds, or Service Level Agreements are documented.", "confidence": "medium" }, { "field": "pricing_model", "url": "https://thunes.zendesk.com/hc/en-us/articles/17685846230429-How-do-I-check-on-FX-rates-or-transaction-fees", "excerpt": "The detailed breakdown of FX rates and transaction fees are available in Thunes Business Hub, where you can access specific pricing for your destination countries.", "confidence": "high" }, { "field": "minimum_commitment", "url": "https://www.thunes.com/legal-thunes-terms/", "excerpt": "Where Thunes identifies that the Minimum Volume and/or the Minimum Corridor Commitment has decreased by twenty per cent (20%) or more over a three-month period, Thunes reserves the right to increase the applicable Fees in its sole discretion.", "confidence": "high" }, { "field": "known_restrictions", "url": "https://www.thunes.com/legal-thunes-terms/", "excerpt": "Thunes will charge you a Non-Usage Fee (as set out in the Order Document) for each month that you do not attain the Monthly Volume Target.", "confidence": "high" }, { "field": "primary_use_cases", "url": "https://www.prnewswire.com/news-releases/thunes-empowers-the-global-economy-with-instant-cross-border-payouts-for-gig-and-remote-workers-302728648.html", "excerpt": "Thunes offers real-time cross-border payouts accessible via a single API. Use Cases: Gig economy payroll, Freelancer compensation, E-commerce refunds, Insurance claims, NGO operations", "confidence": "high" }, { "field": "auth_methods", "url": "https://developers.thunes.com/money-transfer/v2/", "excerpt": "HTTP Basic Authentication required for all endpoints. Username: API key. Password: API secret. Implementation: Standard Authorization: Basic header with base64-encoded credentials.", "confidence": "high" }, { "field": "auth_docs_url", "url": "https://docs.thunes.com/money-transfer/v2/", "excerpt": "Your API keys and secrets represent your identity and authorization. Please keep and store them securely!", "confidence": "high" }, { "field": "base_url", "url": "https://developers.thunes.com/money-transfer/v2/", "excerpt": "Specific endpoints provided upon account creation. Path prefix: /v2/money-transfer", "confidence": "high" }, { "field": "versioning_scheme", "url": "https://developers.thunes.com/money-transfer/v2/", "excerpt": "Endpoints of the API are prefixed with a corresponding version number.", "confidence": "high" }, { "field": "idempotency_supported", "url": "https://developers.thunes.com/money-transfer/v2/", "excerpt": "External ID requirement: Partners must supply unique external_id (max 64 characters) for quotations and transactions. Error code 1007001: External ID has already been used.", "confidence": "medium" }, { "field": "webhook_signing", "url": "https://developers.thunes.com/money-transfer/v1/", "excerpt": "Callbacks use the same digest authentication mechanism. When the platform posts transaction status updates to your endpoint, it includes identical header authentication: X-TransferTo-apikey, X-TransferTo-nonce, X-TransferTo-hmac, and Date.", "confidence": "high" }, { "field": "requires_verification", "url": "https://thunes.zendesk.com/hc/en-us/articles/17271405592477-Guide-to-Developer-Module", "excerpt": "Guide to Developer Module – Thunes", "confidence": "high" }, { "field": "launched_at", "url": "https://techcrunch.com/2019/05/05/thunes-raises-10m/", "excerpt": "Thunes raises $10M to make financial services more accessible in emerging markets", "confidence": "high" }, { "field": "notable_customers", "url": "https://www.thunes.com/industries/money-transfer-operators/", "excerpt": "Thunes works with leaders like Remitly, Western Union and Ria in delivering faster and more secure ways to send money home.", "confidence": "medium" } ], "fields_not_found": [ "soc2", "hipaa", "documented_rate_limits", "sdk_languages", "mcp_server_available", "free_tier_details", "sla_published", "base_url", "deprecation_policy_url", "mcp_url", "rate_limit_requests", "rate_limit_window", "sla_url", "data_retention_policy_url", "starting_price_usd", "price_basis", "free_tier_limit", "ga_date", "webhook_events_url" ], "source_confidence": "high", "last_verified_at": "2026-06-21T00:00:00.000Z", "contribute": { "note": "This data is crowd-editable. Suggest corrections or leave a review via these endpoints - no auth required, requests are rate-limited, and every submission is reviewed before it goes live. For a field edit, {field} is any key in this response and a citation is required.", "endpoints": [ { "action": "review", "label": "Leave a review or comment", "method": "POST", "url": "https://apio.sh/api/feedback/thunes", "example_body": { "kind": "review", "rating": 5, "body": "Your experience with this API…" } }, { "action": "field_edit", "label": "Suggest a correction to a field (cite a source)", "method": "POST", "url": "https://apio.sh/api/suggest/thunes/{field}", "example_body": { "value": "corrected value", "citations": [ { "url": "https://source.example/page", "excerpt": "supporting quote" } ], "note": "what changed and why" } }, { "action": "new_api", "label": "Suggest a new API to add (only name is required - send as much as you can cite)", "method": "POST", "url": "https://apio.sh/api/suggest/api", "example_body": { "value": { "name": "Acme Email API", "website_url": "https://acme.example", "vendor_name": "Acme", "categories": [ "email" ], "pricing_model": "usage_based", "has_published_pricing": true, "free_tier_available": true, "price_points": [ { "plan": "Pay as you go", "item": "1,000 emails", "amount_usd": 1, "per": "1,000 emails", "source_url": "https://acme.example/pricing" } ], "soc2": "type_2", "docs_url": "https://docs.acme.example" }, "citations": [ { "url": "https://acme.example/pricing", "excerpt": "$1 per 1,000 emails" } ] }, "value_schema": [ { "field": "name", "type": "string", "label": "Product name (the only required field)" }, { "field": "website_url", "type": "string", "label": "Marketing website URL" }, { "field": "vendor_name", "type": "string", "label": "Company/vendor name behind the product" }, { "field": "vendor_description", "type": "string", "label": "One-line description, quoted from the vendor" }, { "field": "categories", "type": "string[]", "label": "Category/leaf slugs it belongs to, e.g. [\"email\",\"sms\"]" }, { "field": "primary_use_cases", "type": "string[]", "label": "What it's used for" }, { "field": "supported_actions", "type": "string[]", "label": "Concrete API actions/capabilities" }, { "field": "supported_regions", "type": "string[]", "label": "Countries/regions/data-residency" }, { "field": "supported_languages", "type": "string[]", "label": "Human/spoken languages supported" }, { "field": "input_types", "type": "string[]", "label": "Accepted input types/formats" }, { "field": "output_types", "type": "string[]", "label": "Produced output types/formats" }, { "field": "webhooks_supported", "type": "bool", "label": "Supports webhooks?" }, { "field": "sandbox_available", "type": "bool", "label": "Dedicated sandbox/test mode?" }, { "field": "sdk_languages", "type": "string[]", "label": "Languages with an official SDK" }, { "field": "mcp_server_available", "type": "bool", "label": "Official MCP server?" }, { "field": "pricing_model", "type": "enum", "label": "Pricing model", "values": [ "usage_based", "subscription", "seat_based", "hybrid", "contact_sales" ] }, { "field": "has_published_pricing", "type": "bool", "label": "Concrete prices published publicly?" }, { "field": "free_tier_available", "type": "bool", "label": "Recurring/perpetual free tier (not a trial)?" }, { "field": "free_tier_details", "type": "string", "label": "What the free tier includes" }, { "field": "minimum_commitment", "type": "string", "label": "Any stated minimum spend/commitment" }, { "field": "self_serve_signup", "type": "bool", "label": "Get an API key without talking to sales?" }, { "field": "requires_sales_call", "type": "bool", "label": "Does going live require sales?" }, { "field": "enterprise_plan_available", "type": "bool", "label": "Named enterprise tier?" }, { "field": "starting_price_usd", "type": "number", "label": "Lowest published paid entry price (USD number)" }, { "field": "price_basis", "type": "string", "label": "Unit the starting price is per, e.g. '1,000 emails'" }, { "field": "free_tier_limit", "type": "string", "label": "Free-tier ceiling in literal terms" }, { "field": "price_points", "type": "object[]", "label": "Structured prices: [{plan,item,amount_usd,amount_percent,per,source_url}]" }, { "field": "soc2", "type": "enum", "label": "SOC 2 status", "values": [ "type_2", "type_1", "in_progress", "none", "unknown" ] }, { "field": "hipaa", "type": "bool", "label": "HIPAA (e.g. BAA available)?" }, { "field": "gdpr", "type": "bool", "label": "GDPR compliance stated?" }, { "field": "iso_27001", "type": "bool", "label": "ISO 27001 certified?" }, { "field": "pci_dss", "type": "bool", "label": "PCI DSS compliant?" }, { "field": "sla_published", "type": "bool", "label": "Published SLA / uptime commitment?" }, { "field": "documented_rate_limits", "type": "string", "label": "Documented rate limits, quoted" }, { "field": "known_restrictions", "type": "string[]", "label": "Notable documented restrictions/limits" }, { "field": "auth_methods", "type": "string[]", "label": "Auth methods", "values": [ "api_key", "oauth2", "jwt", "basic", "hmac_signature", "mtls", "session" ] }, { "field": "api_style", "type": "enum", "label": "Primary API style", "values": [ "rest", "graphql", "grpc", "soap", "websocket" ] }, { "field": "base_url", "type": "string", "label": "API root/base URL" }, { "field": "api_version", "type": "string", "label": "Current API version string" }, { "field": "quickstart_url", "type": "string", "label": "Quickstart / hello-world URL" }, { "field": "docs_url", "type": "string", "label": "Developer docs URL" }, { "field": "api_reference_url", "type": "string", "label": "API reference URL" }, { "field": "openapi_spec_url", "type": "string", "label": "OpenAPI spec URL" }, { "field": "changelog_url", "type": "string", "label": "Changelog URL" }, { "field": "status_page_url", "type": "string", "label": "Status page URL" }, { "field": "notable_customers", "type": "string[]", "label": "Named public customers" }, { "field": "launched_at", "type": "string", "label": "Launch date (ISO date or year)" } ] }, { "action": "token", "label": "Optional - raise your rate limit", "method": "GET", "url": "https://apio.sh/api/feedback/token" } ] } }