Tech Meets Tariffs: Cross-Border Payments in 2025

Key trends are shaping cross-border payments in 2025, among them the evolving global trade landscape, impacts from tariffs, persistent areas of friction, and emerging technologies that are addressing the needs of end users. As geopolitical shifts continue to disrupt longstanding trade flows, businesses must adapt to new complexities in international transactions. The report examines how these shifts, alongside technological advancements like AI, multi-currency CBDC settlement, and cross-border real-time payment systems, are emerging to support more efficient and transparent cross-border payments. 

This report offers a clear understanding of the potential impact of tariffs and trade disruptions on payment flows and details the solutions that providers will need to offer to support their customers’ needs, as well as the importance of embracing innovations such as AI-driven fraud mitigation and back-end processing. With this information, financial institutions, businesses, and payment service providers can better prepare to navigate cross-border payments in 2025.

Key questions discussed in this report: 

• What are the potential impacts of U.S. tariffs on cross-border payment flows?
• What can banks and other providers do to support their customers in the face of this uncertainty?
• What are the key emerging technologies for cross-border payments and how are providers using them to support their customers? 

Companies Mentioned: 

Alcoa, Amylyze, Apple, Bestbuy, Bottomline Technology, ComplyAdvantage, Corda, Costco, Coupa, Eastnets, Eli Lilly, Embat, Fabric, Feedzai, Finastra, Fraud.net, Hawk AI, HighRadius, Honda, Hyperledger, JP Morgan, Kroger, Kyriba, Medius, Oracle, PayQuicker, Phizer, Quorum, SWIFT, The ClearingHouse, ThetaRay, Tipalti, TIS Cashforce, Unit 21, Verafin