Payoneer partners with dozens of banks and financial institutions worldwide in order to maintain a redundant network; we often have multiple providers in each of the 200+ countries and territories where we process money. As a result, we are able to deliver funds on time, offer competitive rates for foreign exchange, and settle funds locally (meaning, in the currency of that country) to the supplier more often. By building redundant, scalable infrastructure, we've assured suppliers that they will pay less and receive their funds faster.