Payments

Reach our digital-first payments network 24/7/365. Drive digital transformation and enable payments around the world. Experience world-class services across every step of your organization’s payments flow.

Accept Digital Payments
Send and Receive Global Payments
Make Commercial Cards Payments
Receive Global Expertise

Spring by Citi® 

Spring by Citi® is an ecommerce and digital payment acceptance solution, enabling you to accept diverse payment methods across the globe.

*Available Products and Services may vary by location.

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Domestic Payments

Citi can help clients make domestic payments such as ACH and wires in 90 markets with direct membership and connectivity to local clearing schemes. 

Cross-Border Payments

Enable digital transformation, expand to new markets, reduce payment costs, and improve relationships across the globe. Powered by WorldLink® Payment Services, make cross-border payments to accounts, cards, and wallets from a single account.

Clearing

Drive digital transformation and elevate client experience with ease. Our payments and clearing services, including 24/7 USD Clearing, help you deliver efficient experiences through access to our global network and innovative capabilities.

Commercial Cards

Citi Commercial Cards offer businesses a comprehensive suite of payment solutions designed to streamline expenses, improve financial control, and optimize working capital through features like expense reporting, detailed analytics, and global acceptance.

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Virtual Cards

Citi's virtual card solution provides a secure and efficient way for businesses to generate single-use or limited-use digital card numbers for online payments, enhancing security and streamlining expense management.

Banking as a Service (BaaS)

Citi's BaaS solution transforms banking relationships into strategic collaboration, providing businesses with the financial tools and global expertise needed to thrive in an evolving digital landscape.

Subproduct: Virtual Account
Subproduct: Payer ID

90%

Of the top 100 global banks trust Citi with their payments

10M

Instant payments transactions processed on average daily through Citi Instant Payments

130+

Currencies paid with integrated and transparent FX

*Metrics as of October 2025

Adapt to tomorrow’s banking needs with Citi Payments

Navigate an interconnected, 24/7 world with intelligent, secure, and frictionless payment solutions.

Real-Time, Real Value: Delivering on the Promise of Cross-Border Payments

As cross-border payments move toward real-time, banks must modernize infrastructure to deliver faster, cheaper, and more transparent solutions that help meet evolving demands. The challenge is significant, but so is the potential reward for clients.

Real-time: 24/7 Finance in an Always-On World

By embracing innovation, prioritizing cybersecurity, and fostering collaboration across the financial ecosystem, businesses and financial institutions can start to unlock the full potential of real-time payments and build a more inclusive, efficient, and dynamic financial future. This Citi GPS report focuses on the shift toward real-time payments, driven by technological changes and enabled by regulation and policy shifts.

Instant Payments in Insurance, The Future is Now

The adoption of instant payments is growing rapidly in the insurance industry, reshaping how firms process claims, collect premiums, and manage liquidity. Insurers are using instant payments in specific cases to provide policyholders quick access to funds for such things as medical emergencies, property damage, auto accidents, travel insurance reimbursements, or business interruptions.

Insights fuelling our innovation

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Beyond the Transaction: How Banks Can Leverage Innovation Effectively

In today’s evolving cross-border payment market, banks must adapt to new demands as commerce shifts online, regulations change and competition increases. By balancing internal development with external relationships with market-leaders such as Citi, banks can address client demands for faster, more transparent, and cost-efficient payments while managing regulatory and technological challenges effectively.

Optimizing Payments: How Orchestration Enhances Efficiency and Growth

Payment orchestration provides a crucial software layer that helps e-commerce businesses navigate the growing complexity of the global payments landscape. By intelligently routing transactions across various payment service providers, orchestration platforms enhance operational efficiency, improve resilience against payment failures, and optimize costs.

Unlocking Digital Transformation in Shipping and Airlines

The shipping and airline industries, central to the global economy, are undergoing a significant digital transformation by moving away from traditional, manual payment systems. This evolution is driven by the adoption of instant payments and Application Programming Interface (API) connectivity, which streamline operations, reduce costs, and improve the customer experience.

Citi Token Services and 24/7 USD Clearing

Transform your cross-border transactions with Citi® Token Services x 24/7 USD Clearing. This industry first integration reduces payment delays and enables smarter cash flow through real-time liquidity management for optimized, secure transactions across multiple banks.

Unlock Value by Paying to Digital Wallets

Digital wallets are transforming the global payments landscape. As adoption continues to rise and interoperability expands, businesses and financial institutions must embrace digital wallets to remain competitive and meet evolving customer expectations. In this article, Citi explores the key use cases for digital wallets for corporates and non-bank financial institutions, highlighting the value they can deliver across a range of use cases and industries.

Navro

Delivering compliant quick and expedient global payment solutions for enhanced scalability.

FedEx

Transforming how innovation and finance come together to deliver outstanding customer experiences.

Digital Tracking of Cross-Border Wire Payments

In an increasingly competitive global payments landscape, customers demand transparency and control. Citi Global Beneficiary Services Payment Tracker helps to empower financial institutions to offer real-time visibility for cross-border wire and ACH payments to both remitters and beneficiaries.

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Payments

Spring by Citi®

Domestic Payments

Cross-Border Payments

Clearing

Commercial Cards

Virtual Cards

Banking as a Service (BaaS)

Connect your business across the globe

90%​

10M

130+

Adapt to tomorrow’s banking needs with Citi Payments

Real-Time, Real Value: Delivering on the Promise of Cross-Border Payments

Real-time: 24/7 Finance in an Always-On World

Instant Payments in Insurance, The Future is Now

Insights fuelling our innovation

Beyond the Transaction: How Banks Can Leverage Innovation Effectively

Optimizing Payments: How Orchestration Enhances Efficiency and Growth

Unlocking Digital Transformation in Shipping and Airlines

Citi Token Services and 24/7 USD Clearing

Unlock Value by Paying to Digital Wallets

Navro

FedEx

Digital Tracking of Cross-Border Wire Payments

Contact us

Are you an existing Citi Client?

Contact us

How can we help?

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Important Legal Disclosures & Information

Spring by Citi® 

90%