Cutting-edge payment solutions for the fashion industry

Control payments and currency exposure with innovative technology

Bringing pricing, payments and risk mitigation together

Fashion businesses commit to product costs before final sales are known. Collections may be priced months in advance, suppliers can be paid across several milestones and the eventual margin is shaped by demand, returns, markdowns and exchange rates.

Smart Currency Fintech helps brands, retailers, wholesalers and platforms connect the data behind those decisions. By linking purchase orders, forecasts, payment requirements and currency cover, finance teams can build greater certainty around margin without losing the flexibility required by a fast-moving market.

Protect margin before the collection launches

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Costing and pricing

Where products are sourced in a foreign currency but sold in sterling or another reporting currency, exchange rates affect landed cost and gross margin. Even routine market movements can affect profit and show up on the balance sheet.

Seasonal and uncertain forecasts

Initial order quantities can change as sales data develops. Fashion firms need the ability to model how various outcomes would impact their profits and cashflow, as well as to protect themselves from any fallout.

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Supplier payment volumes

Brands and retailers may pay many manufacturers, agents, logistics providers and service partners.

Multi-channel receipts and outflows

Wholesale, marketplace and direct-to-consumer channels can create receipts and refunds in several currencies.

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Cutting-edge technology for fashion

SmartHedge PRO

Track exposures and hedges by season, collection, business unit, supplier, currency or date. Scenario analysis can show how exchange rate movements and changes in sales volumes may affect margin and cashflow.

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SmartTech APIs

Connect approved rate, beneficiary, transaction and reporting capabilities to finance, procurement, marketplace or internal operational workflows.

SmartConnect

Fashion marketplaces, wholesale platforms and sector service providers may be able to embed an international payment proposition for merchants or suppliers.

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Online Portal

Use a digital or file-based route to manage approved supplier payments where direct integration is not required. Our Online Portal reduces manual administrative workload and the risk of manual error.

Learn more about our fashion solutions

Download our product guide to see how Smart Currency Fintech can transform your business.

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