Developmental Disability

Spent some time looking into SENDS specifically because the SWIFT flow requires uploading a contract or invoice as part of verification which is actually a reasonable AML compliance step rather than bureaucratic friction, since it creates a paper trail that protects both parties in a dispute. The fee structure starts at 10 EUR flat or 0.05% of the amount whichever applies, which at higher transfer volumes makes the percentage model more relevant than the flat minimum. The card payout option is covered in more detail at payouts to cards though the page is structured around the product pitch rather than the technical documentation so you have to dig for the actual processing logic. IBAN transfers require BIC alongside the account number which is standard EU interbank routing but worth confirming the 8 versus 11 character BIC format your recipient's bank uses since mismatches cause returns. Processing speed ranges from instant to 2 days depending on whether the transfer routes via card network or SWIFT which are fundamentally different settlement rails with different finality guarantees. Currency conversion happens at the account level before the transfer initiates rather than at point of receipt which affects how exchange rate risk is allocated between sender and recipient. Verify current fee schedules and processing time commitments directly with the provider before committing to any payment workflow built around these figures.