A clear process from registration to payment
Briana Payments provides transaction-based money-transfer and foreign exchange services for individuals and businesses. Our process is designed to give you clear information before you proceed, while allowing us to complete the verification, funding and compliance checks required for the relevant transaction.
1. CHOOSE HOW YOU ARE USING BRIANA
Personal or Business
When you register with Briana, you will be asked whether you are using our services as:
For eligible individual customers making personal payments or foreign exchange transactions.
For eligible companies and other business customers making business payments or foreign exchange transactions.
The information and verification required will depend on your customer type, the service requested and the circumstances of the transaction.
2. REGISTER AND COMPLETE VERIFICATION
Help us understand who you are
Before we can provide services, we may need to verify your identity, business information, authority to act and other relevant details.
For Personal Customers
We may request information such as:
- Full name
- Date of birth
- Residential address
- Contact details
- Government-issued identification
- Information about the purpose of your payment
- Source of funds information where appropriate
For Business Customers
We may also request information about:
- Company registration
- Business activities
- Registered or operating address
- Directors
- Shareholders
- Beneficial owners
- Controllers
- Authorised representatives or signatories
- Ownership and control structure
- Purpose and intended nature of the relationship
- Expected transaction activity
Additional information may be requested where required by law, our risk-based controls, the nature of the transaction or the countries involved.
3. REQUEST YOUR TRANSACTION
Tell us what you need to do
Once the relevant onboarding and verification requirements have been completed, you can request an eligible payment or foreign exchange transaction.
Depending on the transaction, we may ask for information including:
- The amount you want to send or exchange
- Source currency
- Destination currency
- Recipient details
- Payment destination
- Purpose of payment
- Funding information
- Other transaction-specific information
The availability of a particular currency, destination, payment route or transaction is not guaranteed and may depend on the relevant circumstances.
4. REVIEW YOUR QUOTE
Know the key transaction details before you proceed
Before you submit your instruction, Briana will provide a transaction-specific quote for the proposed transaction. Depending on the transaction, your quote may show:
- Source Amount
- Customer Rate
- Reference Market Rate, where applicable
- Gross Converted Amount
- Briana Fee
- Known Third-Party Charges
- Total Payable
- Recipient Amount or expected Recipient Amount
- Quote expiry
- Relevant transaction conditions
Foreign exchange rates can change, so a quote is available only for the stated period and subject to any conditions shown with it.
A separate Briana fee applies only where it is expressly stated in the quote.
5. SUBMIT YOUR ORDER
Confirm when you are ready to proceed
If you are satisfied with the quote, you can affirmatively accept it and submit the related instruction.
This creates an Order for Briana to assess.
Submitting an Order does not by itself mean that Briana has accepted the transaction.
We may still need to confirm matters such as:
- Verification
- Receipt of funding
- Recipient information
- Payment-route availability
- Compliance requirements
- Transaction limits or conditions
- Other information relevant to the transaction
6. TRANSACTION CONFIRMATION
Your transaction becomes binding when Briana accepts it.
A binding Transaction is formed only when Briana accepts your Order and issues a Transaction Confirmation.
The Transaction Confirmation will record the material terms of the accepted transaction, which may include:
- Transaction reference
- Currencies
- Amount
- Applicable exchange rate
- Relevant charges
- Other transaction-specific information
If we are unable to accept the Order on the quoted terms, we may ask you to review and accept a new quote or explain the available next steps.
7. FUND YOUR TRANSACTION
Send the required amount using the approved funding method
You must provide the Funding Amount using the method, source and timeframe specified for your transaction.
Depending on the circumstances, Briana may require funds to come from:
- An account or source in your name; or
- Another source approved for the relevant transaction
A transaction may be delayed or may not proceed if funds:
- Are not received as cleared funds
- Are received late
- Do not match the Order
- Are incomplete
- Are reversed
- Are subject to a recall or chargeback
- Do not meet applicable funding or compliance requirements
Funds provided to Briana are for the relevant transaction and do not create a general-purpose deposit or stored-value account.
8. TRANSACTION REVIEW & PROCESSING
We process your transaction through the available payment route
Once the transaction is accepted and the required conditions are met, Briana will seek to process it in accordance with the Transaction Confirmation.
Depending on the transaction, processing may include:
- Currency conversion
- Submission of a payment instruction
- Processing through a bank, payment provider, correspondent, intermediary or other payment participant
- Making funds available through an eligible payment route
Transactions may also be subject to AML/CFT, sanctions, fraud, security and other relevant checks.
Where necessary, Briana may request further information or temporarily delay, restrict or decline a transaction while a matter is reviewed.
9. PAYMENT DELIVERY
Funds are sent through the applicable payment route
Once processed, funds move through the payment route applicable to the transaction.
The time required can depend on factors such as:
- Currency
- Destination country
- Payment route
- Banking cut-off times
- Weekends and public holidays
- Correspondent or intermediary institutions
- Receiving institutions
- Compliance reviews
- Recipient information
- Events outside Briana's reasonable control
Any delivery time shown is an estimate unless Briana expressly agrees otherwise.
We therefore recommend allowing sufficient time for important or time-sensitive payments.
BEFORE YOU SEND
Check your payment details carefully
You are responsible for checking the information you provide before submitting your Order. In particular, carefully review:
- Recipient name
- Account number or payment identifier
- Currency
- Payment amount
- Payment reference
- Destination
- Purpose of payment
Be especially cautious if payment instructions have changed unexpectedly.
If a recipient provides new bank details by email, message or telephone, independently verify the change using a trusted contact method before making the payment.
CANCELLATIONS & RECALLS
Contact us promptly if something is wrong
If you want to cancel a transaction, believe that an instruction is incorrect, or suspect fraud or unauthorised activity, contact us promptly.
A payment may no longer be cancellable once it has entered the relevant payment system or has been executed.
Where available, Briana may attempt a recall or recovery through the relevant payment route.
A recall is not guaranteed and may depend on:
- The stage of the transaction
- The receiving institution
- The recipient
- Applicable payment-system rules
- Legal restrictions
- Timing
- Third-party processes
Charges may also apply where disclosed or imposed by third parties.
IF A TRANSACTION CANNOT PROCEED
We will explain the available next steps where we can
A transaction may be delayed, declined, rejected, returned or unable to proceed because of factors such as:
- Incorrect recipient information
- Verification requirements
- Funding issues
- Payment-route restrictions
- AML/CFT requirements
- Sanctions considerations
- Fraud or security concerns
- Third-party payment-provider requirements
- Legal restrictions
Where funds are returned to Briana, we will handle any return or refund in accordance with the applicable law, transaction terms and circumstances.
The amount returned may differ from the original amount where currency conversion, exchange-rate movements or third-party charges are involved.
PERSONAL & BUSINESS JOURNEYS
The same clear process, tailored to your customer type
Register → Verify your identity → Request a transaction → Review your quote → Submit your Order → Receive Transaction Confirmation → Fund → Payment processed
Register your business → Complete company and ownership verification → Request a transaction → Review your quote → Authorised person submits the Order → Receive Transaction Confirmation → Fund → Payment processed
NEED HELP?
Support throughout the process
If you have questions about onboarding, verification, a quote or an existing transaction, contact our support team.
General Support support@brianapayments.co
For compliance-related questions:
Compliance compliance@brianapayments.co
If you believe a payment may involve fraud, a scam or unauthorised activity, contact us promptly.