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What Landed

What you can change from here

Denomination, landed amounts, who bears the charges, the payment date, and what is genuinely negotiable.

Terms at your own end4 terms
Terms only the payer can move2 terms
What neither of you controlsnot stated

Still yours, and statedTaken, never statedUnit changes; scale restarts

Three steps from instruction to arrival. One step carries no figure: the hatching marks where the money leaves and is not drawn to scale, because there is no figure to draw. Nothing here adds them up, since an amount you cannot see is not an amount you can subtract. The section that is about the near end, because the far end is not available.

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Denominating in Your Own Currency

Naming the amount in your currency moves the rate risk to the payer, and it is a question of asking.

Agreeing a Landed Amount

An agreement on what must arrive puts the whole descent on the payer, and it is a term that exists.

Asking the Payer to Bear the Charges

One instruction code puts every fee in the chain on the sender, and it costs them less than it saves you.

Choosing the Day

A date early in the week, agreed once, removes most of the delay that nobody intended.

Batching, and When It Helps

Fewer, larger payments cost less in fixed fees and more in exposure to a single failure.

Holding an Account in Their Currency

Receiving without converting lets you choose when and where the conversion happens, which is the whole saving.

What Is Not Negotiable

Some of this is the payer's policy, some is their bank's, and some is nobody's to change at all.

What You Can Actually Control

Four terms at your own end, and the honest limit of what any of this changes about the middle.