ChargeBridge

ChargeBridge is a web app (with optional mobile companion) that helps SMEs and finance teams predict and prevent cross-border payment surprises. Instead of “best rate” marketing, it focuses on total landed cost: FX spread, intermediary bank fees (SHA/OUR/BEN), correspondent routing risk, cutoff times, and expected settlement windows by corridor and rail (SWIFT, local ACH, card, wallets). Users connect their bank via open-banking where available or upload payment files, then the app simulates likely outcomes and recommends the cheapest/fastest rail that still meets compliance and beneficiary requirements. It generates a pre-send fee disclosure sheet you can share internally or with vendors, plus post-send reconciliation to flag overcharges and missing fees. This is a traditional app with light AI (classification of bank statements, fee anomaly detection, and routing suggestions) rather than a “chatbot fintech.”