Trusted TransferMate partner · Singapore

Stop overpaying on global payments. Start transforming your IT.

We help mid-market multinationals cut cross-border payment costs, streamline IT operations, and build future-ready businesses — with the hands-on expertise of people who've done it before.

Book a free consultation → See how payments work
200+
Countries covered
140+
Currencies
92
Licensed jurisdictions
$1B+
Processed globally
The problem we solve
Your bank isn't built for the way you do business globally
Most mid-market companies lose thousands each year to hidden fees, slow transfers, and manual reconciliation. There's a better way.
What you deal with today
  • High account maintenance and international wire fees — typically $25–$50 per transaction
  • Multi-day transfer delays through correspondent banking chains
  • Error-prone reconciliation across disconnected bank accounts
  • Complex onboarding with multiple banks in each new market
  • Hidden FX markups with no transparency or control
What you get with Balance IT
  • Zero international wire fees — pay and collect as if payments were local
  • Same-day or next-day transfers through a single regulated network
  • Automated end-to-end reconciliation — no manual matching
  • Open foreign currency accounts in seconds on one platform
  • Transparent, preferential FX rates with full audit trail
What we do
Strategic advisory meets operational execution
Two areas of deep expertise, designed to work together or independently — depending on where you need the most impact.
01

Global payment optimization

Through our partnership with TransferMate, we give mid-market companies access to enterprise-grade global payments — 35+ currency accounts, local rail access, and native ERP integration. All on a single, regulated platform.

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02

Digital transformation roadmap

We help you build a 1–5 year technology strategy with clear milestones. From IT landscape assessment to implementation planning, we bring outside-in perspective to accelerate your transformation journey.

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03

IT process optimization

We streamline IT service delivery through Centers of Excellence, shared services transformation, and business process redesign — reducing operating costs by 15–30% while improving agility and service quality.

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Payment packages
Global payments, simplified pricing
Free to start. You only pay when you transact — and even then, you save compared to your bank.

Global payments

For companies paying suppliers, partners, or subsidiaries internationally.

  • Reduced transaction costs vs. banks
  • Same-day cross-border transfers
  • Open foreign accounts instantly
  • Full regulatory compliance
  • Transparent FX rates
Get started
Most popular

Global payroll

For companies managing payroll across multiple countries and currencies.

  • Timely cross-border salary transfers
  • Minimized payroll processing costs
  • Accurate multi-currency conversion
  • Automated payroll processing
  • ERP & payroll platform integration
Get started

Education payments

For institutions managing tuition payments and student fees globally.

  • Streamlined tuition collection
  • Multi-currency fee management
  • Transparent payment tracking
  • Compliance with global regulations
  • Simplified student billing
Get started
SAP integration
Cross-border payments, native inside SAP
Through SAP Multi-Bank Connectivity and TransferMate, execute compliant global payments directly in your SAP environment — with automated reconciliation and zero manual effort.
1
Supplier invoice — received and processed in SAP S/4HANA
2
Payment run — F110 generates payment file automatically
3
Pain.001 exported — file sent to TransferMate via SAP MBC
4
Payments executed — same-day cross-border settlement
5
Auto-reconciliation — Camt.52/53 posted back to SAP
⚡

Same-day payments

Local and cross-border payments settle within 24 hours through a single regulated network.

⟳

Auto reconciliation

End-to-end automated reconciliation without ever leaving your SAP system.

↓

Cost savings

Reduced payment fees and preferential FX rates on every cross-border transfer.

◈

Native integration

No middleware, no workarounds. TransferMate is a member bank in SAP-MBC.

Real results
Numbers that speak for themselves
From global systems integrators to leadership consultancies — companies across industries are saving real money.
Client case study

Global systems integrator — Singapore office

A mid-market technology company processing international payments across multiple currencies switched from traditional banking to TransferMate through Balance IT.

€340K
Total annual savings (group)
€55
Average saved per payment
0.7–1.5%
Cost reduction on volume
9
Currencies consolidated
"Using TransferMate means keeping money in your pocket and being able to use it for something else — what company doesn't want that?"
CD
Christophe Derdeyn
Founder, Balance IT · formerly APAC Partner & Director, delaware
"Global Accounts gives us the ability to pay in more countries, and set up in new countries quicker."
AP
Achille Pagliaro
Director, Treasury Operations · CloudPay
"We can manage multiple currencies very efficiently on the platform, and the support we've received from end-to-end has been excellent."
AR
Anne Marie Ruttledge
Accounts Manager · R&M
TransferMate is trusted by world-leading organizations
Barclays
ING
Wells Fargo
Harvard
Cambridge
SAP Concur
Coupa
ADP
Sage
AIB
Who we are
Decades of experience. A hands-on approach.
Balance IT combines deep expertise in business strategy, SAP solutions, IT optimization, and financial technology — led by practitioners, not just consultants.
CD

Christophe Derdeyn

Founder

Strategic IT consultant specializing in business transformation, SAP solutions, and global financial optimization. Formerly APAC Partner & Director at delaware, with a pragmatic, results-driven approach shaped by decades of hands-on delivery.

GB

Geeta Balagangadharan

Sales Leader

Strategic APAC leader with deep expertise in enterprise sales, finance solutions, and team revitalization. Proven track record driving organizational growth and operational efficiencies across the Asia-Pacific region.

Ready to cut costs and simplify your global operations?

Book a free 30-minute consultation. We'll review your current payment flows, identify savings opportunities, and show you exactly how much you could save.

Book a consultation → Call +65 9828 7359