For South African businesses expanding into global markets, the landscape of international trade is laden with both immense opportunity and significant regulatory complexity. Navigating the requirements of the South African Revenue Service (SARS) and adhering to the South African Reserve Bank (SARB) exchange controls presents a substantial compliance burden. A misstep can lead to severe penalties, shipment delays, and reputational damage.
This is where a proactive trade compliance audit becomes not just a best practice, but an essential business function. A thorough audit acts as a health check for your export operations, identifying vulnerabilities before they escalate into costly problems. It is about more than just ticking boxes; it is about building a resilient, efficient, and profitable export strategy. For companies leveraging modern cross-border payment tools to streamline international transactions, a strong compliance framework is the bedrock that enables them to maximise financial advantages. By ensuring your underlying processes are sound, you can fully capitalise on the speed and cost-effectiveness of advanced fintech platforms, turning compliance from a hurdle into a competitive edge.
This guide provides a detailed, actionable trade compliance audit checklist tailored specifically for South African exporters. We will focus on six critical areas that demand your attention, ensuring your business is prepared, protected, and positioned for success. From license verification to internal controls, this checklist will equip you with the practical steps needed to conduct a comprehensive self-assessment and fortify your international operations.
1. Scrutinising Export Documentation and SARB Reporting
The bedrock of any successful export operation from South Africa is immaculate and consistent documentation. Every single shipment leaving the country must be backed by a complete set of accurate documents that satisfies both the South African Revenue Service (SARS) and the customs authorities in the destination country. This first item on our trade compliance audit checklist is arguably the most critical, as errors here have a cascading effect on payments, logistics, and regulatory standing.
For South African exporters, this scrutiny extends beyond standard customs paperwork. It involves meticulous reporting mandated by the South African Reserve Bank (SARB) to monitor foreign exchange flows and manage the country's capital account. An audit of this area is a forensic review, not a simple box-ticking exercise.
Why It's Foundational for Compliance
Discrepancies, even seemingly minor ones like a typo in a product description or a slight variation in weight between documents, can trigger costly customs inspections, severe payment delays, and direct inquiries from SARB. The goal is to create a perfect, unbroken chain of evidence from the initial order to the final repatriation of funds.
For businesses leveraging modern cross-border payment platforms to streamline the receipt of export proceeds, flawless documentation is non-negotiable. These platforms rely on accurate records to justify incoming foreign currency, ensuring funds are processed smoothly without being flagged for anti-money laundering (AML) or exchange control violations.
Key Insight: Think of your export documents as a single, cohesive story. The commercial invoice, packing list, transport document, and SAD 500 must all tell the exact same story about the goods, their value, and their destination. Any conflicting detail breaks the narrative and invites scrutiny.
Audit Action Plan: A Document-by-Document Review
Your internal audit should meticulously cross-reference the following key documents for every export transaction within the audit period.
- Commercial Invoice: Confirm the buyer and seller details are correct, the product descriptions are precise (not generic), and the values (unit price and total) are accurate.
- Packing List: Ensure it matches the commercial invoice in terms of quantity, weight, and package markings. Discrepancies here often lead to physical inspections at the port.
- Transport Document (Bill of Lading/Air Waybill): Verify that the consignor, consignee, and description of goods align perfectly with the commercial invoice.
- SAD 500 Customs Declaration: This is the central document. The audit must confirm that the value declared on the SAD 500 precisely matches the commercial invoice. This is the value that SARS and SARB will use to track the expected foreign currency inflow.
Connecting Documentation to SARB Reporting
The ultimate test of your documentation is the reconciliation of funds. The audit must confirm that the foreign currency amount received from the customer matches the value declared on the SAD 500. This process, known as the acquittal of the declaration, must be completed via your authorised dealer (your bank) within the prescribed timeframes.
Example Scenario: An exporter ships goods valued at $15,000 USD. The SAD 500 correctly reflects this value. However, due to a banking fee deducted by an intermediary bank, only $14,950 USD arrives. Without proper documentation explaining the $50 shortfall, SARB’s reporting system will show an outstanding amount, potentially flagging the transaction for investigation. A robust audit process would identify this and ensure the reason for the discrepancy is documented and reported correctly to the authorised dealer.
By rigorously auditing this foundational area, you not only minimise the risk of penalties but also build a resilient compliance framework that supports efficient payments and sustainable international growth.
2. Restricted Party Screening and Sanctions Compliance
Engaging in international trade means choosing your business partners with extreme care. This goes beyond commercial due diligence; it involves a mandatory security check to ensure you are not transacting with individuals, companies, or countries flagged by governments and international bodies. This process, known as Restricted Party Screening (RPS), is a cornerstone of any robust trade compliance audit checklist, protecting your business from severe legal and financial repercussions.
An audit of your RPS procedures verifies that you are systematically checking all transaction parties against numerous, constantly updated lists. These include sanctions lists from bodies like the United Nations, the European Union, and the US Office of Foreign Assets Control (OFAC), whose regulations can have extraterritorial reach. For South African exporters, this is a non-negotiable step to prevent involvement in illicit activities and maintain access to the global financial system.
Why It's Foundational for Compliance
Failing to screen, or screening inadequately, can result in your business inadvertently facilitating trade that supports terrorism, nuclear proliferation, or other criminal activities. The penalties are draconian, including massive fines, loss of export privileges, and even criminal charges for company directors. A transaction that seems perfectly legitimate on the surface could involve a sanctioned bank, a consignee with a dubious ultimate owner, or a shipping vessel on a denied list.
For companies using advanced cross-border payment solutions, effective screening is critical. These platforms operate under strict regulatory oversight and will block payments linked to sanctioned entities. A properly audited screening process ensures your transactions are clean, preventing payment freezes and protecting your relationship with your financial partners.
Key Insight: Sanctions compliance isn't just about avoiding business with blacklisted countries. It's a microscopic exercise that scrutinises every party in the transaction chain: the buyer, the end-user, the freight forwarder, the intermediary banks, and even the insurance company.
Audit Action Plan: A Process-by-Process Review
Your internal audit must assess the rigour and consistency of your screening protocol. It should not be a one-off event but an integrated, continuous process.
- Systematic Screening: Confirm that you have a reliable, automated system or a clearly defined manual process to screen all partners against relevant lists. These lists must be updated regularly, as they change frequently.
- Multi-Point Checks: Verify that screening occurs at critical stages. This includes initial customer or supplier onboarding, at the point of order creation, and again before shipment to catch any changes in status.
- Match Resolution Protocol: Your audit should review your procedure for handling potential "hits". What is the escalation path? Who investigates the potential match? How are decisions to proceed or block a transaction documented? This documentation is your proof of due diligence.
Connecting Screening to Operational Reality
A strong screening programme is more than software; it's a company culture of vigilance. The audit needs to confirm that your sales, procurement, and logistics teams understand their roles in this process.
Example Scenario: A South African company receives a large order from a new customer in a neutral country. Initial screening of the customer's name shows no matches. However, a robust audit process would mandate further checks. It might reveal the customer's parent company is based in a sanctioned jurisdiction, or that the payment is being routed through a bank recently added to a sanctions list. Without this deeper, audited process, the exporter could have unwittingly violated international law. A comprehensive audit confirms these multiple layers of checks are consistently applied.
3. Product Classification and Commodity Code Accuracy
At the core of all customs-related activities lies a single, critical data point: the product classification code. This numerical identifier, determined by the Harmonized System (HS), dictates duty rates, import/export controls, and applicable trade agreements. Getting this wrong is not a minor clerical error; it is a fundamental flaw that invalidates the entire customs declaration and can lead to severe financial penalties and shipment seizures. This item on our trade compliance audit checklist is non-negotiable for ensuring lawful and cost-effective trade.
For South African exporters, this means correctly assigning the eight-digit Tariff Heading from the South African Harmonized Tariff Schedule. Every product, from a bag of rooibos tea to a complex piece of mining machinery, has a specific code. An audit of this area verifies that your business has a systematic, defensible process for assigning and managing these crucial codes.
Why It's Foundational for Compliance
The tariff code is the language of customs. It informs SARS of exactly what you are exporting, which in turn determines if any specific permits or licences are required. An incorrect code can mean you unintentionally bypass necessary export controls or, conversely, pay duties in the destination country that are higher than necessary.
This accuracy is vital when using modern payment solutions to receive export proceeds. The product description linked to the payment must align with the official description tied to the tariff code. Any significant mismatch can raise red flags during the reconciliation process with your authorised dealer, complicating the acquittal of your export declaration.
Key Insight: Product classification is not just an administrative task for the logistics team; it's a strategic function that impacts your company's bottom line and legal risk. The classification process should involve technical experts who understand the product's composition and function, not just someone interpreting a list.
Audit Action Plan: A Classification-by-Classification Review
Your internal audit must assess both the accuracy of existing codes and the robustness of the process used to determine them. This involves a deep dive into your product master files.
- Review High-Volume/High-Value Products: Start by auditing the tariff codes for your most frequently exported or highest-value products, as errors here represent the greatest financial risk.
- Verify the Rationale: For each product, there must be clear, documented reasoning for why a specific tariff code was chosen. This documentation should reference the Harmonized System's General Rules of Interpretation (GRI), section notes, and chapter notes.
- Check for Product Changes: Confirm that if a product's specifications, materials, or intended use has changed, its tariff classification was formally reviewed and updated. A simple component change can shift a product into an entirely different tariff chapter.
- Assess Technical Expertise: Evaluate who is responsible for classification. Does your process involve product engineers or technical staff who can provide the detailed information needed for an accurate assessment?
Connecting Classification to Broader Compliance
A correct tariff code is the starting point for all other compliance checks. It determines if the product is subject to controls by entities like the National Conventional Arms Control Committee (NCACC) or requires permits from the International Trade Administration Commission (ITAC).
Example Scenario: A company exports advanced industrial pumps. They are classified under a general "pumps for liquids" tariff heading. An audit reveals, however, that due to their specific pressure ratings and material composition, they qualify as "dual-use" goods. The correct classification would have placed them under a more specific, controlled tariff heading, requiring an export permit. The misclassification has exposed the company to significant regulatory risk for unlicensed exportation of controlled goods. A thorough audit process would have caught this by forcing a detailed technical review against the tariff schedule's specific criteria.
By embedding rigorous classification reviews into your trade compliance audit checklist, you create a solid foundation for accurate duty payments, seamless customs clearance, and a strong, defensible compliance posture.
4. Documentation Completeness and Accuracy Review
Beyond the foundational export and SARB documents, a comprehensive trade compliance audit checklist must assess the entire ecosystem of your trade documentation. This involves a rigorous verification that every required document for both export and import transactions is not only present but also complete, accurate, and properly maintained. This step moves from the specific to the holistic, ensuring your records can withstand scrutiny from any regulatory body, at any time.
The scope here is broader, covering commercial invoices, packing lists, certificates of origin, and any specialised permits or certificates mandated by specific products or destinations. For South African exporters, this is about building a robust, auditable archive that proves due diligence and supports every claim made to customs, SARS, and international partners.
Why It's Foundational for Compliance
Incomplete or inaccurate documentation is a primary source of customs delays, fines, and even the seizure of goods. For instance, a missing Certificate of Origin can nullify preferential tariff rates, leading to unexpected duties for your customer and straining commercial relationships. Similarly, failing to produce a required phytosanitary certificate for agricultural exports will stop a shipment in its tracks.
A systematic review process ensures that documentation is not an afterthought but an integral part of your operational workflow. It builds institutional knowledge and safeguards the business against the risks associated with staff turnover or isolated process breakdowns, ensuring compliance is embedded in your company culture.
Key Insight: Treat your documentation archive as your company's "compliance passport." Each document is a stamp that validates your journey. A missing or fraudulent stamp can invalidate the entire passport, blocking your entry into markets and potentially leading to a ban.
Audit Action Plan: A Document-by-Document Review
Your internal audit should implement a systematic check to confirm the existence, accuracy, and proper storage of all relevant trade documents.
- Document Checklists: Verify that dynamic, product-country specific checklists are used for every shipment. For example, exporting wine to the EU requires different documents than exporting automotive parts to the USA.
- Quality Control: Confirm that a pre-shipment quality control review is conducted. This is a final check by a second pair of eyes to catch errors before the goods leave your facility.
- Digital Archiving: Assess your record-keeping system. Are documents stored in a secure, centralised digital archive? Can you retrieve all documents for a specific shipment (e.g., from two years ago) within minutes?
- Training and Competency: Review training records. Is your logistics team regularly trained on evolving country-specific documentation requirements and the correct completion of forms?
Connecting Documentation to Operational Efficiency
A well-organised documentation system directly impacts your bottom line. It accelerates customs clearance, ensures you and your customers benefit from trade agreements, and provides a solid defence in the event of a regulatory audit. For companies handling complex products, this process is non-negotiable.
Example Scenario: Nestlé, exporting food products globally, maintains meticulous records for food safety and origin. An audit of their processes would reveal an integrated system where a batch of coffee beans can be traced from a South African farm to a European supermarket shelf, with every necessary certificate (e.g., Fair Trade, organic, phytosanitary) linked to the specific shipment. This level of organisation prevents costly recalls and builds consumer trust.
By auditing the completeness and accuracy of your entire documentation suite, you create a resilient compliance framework that not only mitigates risk but also acts as a competitive advantage in the global marketplace.
5. Free Trade Agreement (FTA) and Preferential Program Utilization
Moving beyond foundational compliance, the next level of a sophisticated export strategy involves leveraging international agreements to gain a competitive edge. South Africa is a signatory to numerous Free Trade Agreements (FTAs) and participates in preferential trade programmes, such as the SADC Trade Protocol, the EU-SADC Economic Partnership Agreement (EPA), and the African Continental Free Trade Area (AfCFTA). Item five on our trade compliance audit checklist focuses on systematically reviewing and optimising these opportunities to minimise customs duties for your buyers, making your products more attractive in foreign markets.
However, claiming these benefits is not a simple matter of ticking a box. It requires rigorous proof of origin, stringent documentation, and an ongoing commitment to the specific rules of each agreement. An audit in this area verifies not only that you are correctly claiming benefits but also that you are not exposing your business to significant risk from non-compliance.
Why It's Foundational for Compliance
Incorrectly claiming preferential duty treatment is a serious compliance breach. If your goods are found not to meet the complex "rules of origin" stipulated in an FTA, customs authorities can retroactively demand payment of the full duties, plus substantial penalties and interest, from your importer. This can destroy customer relationships and severely damage your company’s reputation. A thorough audit ensures your origin declarations are defensible and that you have the evidence to back them up.
For exporters using cross-border payment platforms, demonstrating this level of diligence enhances your credibility. It shows a sophisticated understanding of international trade, which aligns with the advanced capabilities of modern financial tools designed to streamline complex global transactions.
Key Insight: Think of an FTA preference claim as a legal declaration you are making to a foreign government. Your audit must confirm you have an irrefutable, documented case for every claim, proving your product's "economic nationality" according to the precise terms of the relevant agreement.
Audit Action Plan: A Verification-Focused Review
Your internal audit should conduct a deep dive into your FTA processes, focusing on proof and documentation for transactions where preferential treatment was claimed.
- Rules of Origin (RoO) Analysis: For each product and each FTA, confirm that a detailed RoO analysis has been performed and documented. This involves verifying whether the product was "wholly obtained" or if it underwent "substantial transformation" in South Africa, often determined by a change in tariff classification, a specific value-add percentage, or particular manufacturing processes.
- Supplier Declarations: Scrutinise the declarations of origin received from your own component and raw material suppliers. Are they current, correctly completed, and from a reliable source? These declarations are the foundation of your own origin claim for manufactured goods.
- Proof of Origin Documentation: Verify that the correct origin document (e.g., a EUR.1 Movement Certificate for the EU-SADC EPA, or an SADC Certificate of Origin) was accurately completed and issued for each relevant shipment. Ensure copies are meticulously filed and linked to the corresponding export transaction.
- System Controls: Assess whether your ERP or business systems can effectively track the origin of materials at a component level. This is crucial for complex manufacturing and assembling operations.
Connecting FTA Claims to Commercial Strategy
A robust audit of your FTA utilisation is not just about avoiding penalties; it's about strategic optimisation. The audit should identify if you are under-utilising existing agreements or missing out on new opportunities that could lower costs for your clients.
Example Scenario: A South African company exports processed food products to both the EU and the UK. Post-Brexit, the company continued using the EU-SADC EPA framework for its UK shipments out of habit. An audit reveals that the new UK-SACUM Economic Partnership Agreement has slightly different rules of origin and documentation requirements. By failing to adapt, the company was making non-compliant preference claims for its UK exports, creating a significant liability. The audit process flags this, enabling the company to correct its procedures, re-train staff, and ensure future claims are fully compliant with the correct agreement.
By methodically auditing your FTA and preferential programme usage, you transform a potential compliance risk into a powerful tool for market expansion and competitive pricing.
6. Internal Controls and Compliance Process Assessment
Robust documentation and accurate reporting are outcomes, not accidents. They are the result of a well-defined and consistently executed internal compliance framework. This sixth item on our trade compliance audit checklist moves beyond individual transactions to evaluate the very system your organisation has built to govern trade activities. It’s a health check of your compliance engine.
This assessment involves a deep dive into your company’s governance structure, process workflows, and internal controls. It asks critical questions: Who is responsible for compliance? Are those responsibilities clearly defined and understood? Are our procedures documented, up-to-date, and followed by everyone involved in the export process?
Why It's Foundational for Compliance
Without strong internal controls, compliance becomes a matter of individual effort and luck, which is an unsustainable and high-risk strategy. A formalised process ensures that every export is handled with the same level of diligence, regardless of which team member is managing it. This systemic approach is vital for scaling your export operations without multiplying your compliance risk.
For South African businesses, especially those managing frequent international transactions through digital payment platforms, a solid internal control system provides the necessary proof of due diligence. It demonstrates to SARB, SARS, and banking partners that your compliance measures are deliberate and auditable, not merely reactive. This builds institutional trust and can expedite issue resolution.
Key Insight: Think of your internal controls as the company's "compliance DNA." It should be embedded in your operational procedures, dictating how your organisation instinctively handles trade-related tasks, from vetting a new customer to filing a customs declaration.
Audit Action Plan: A Process-by-Process Review
Your audit should dissect the entire trade compliance lifecycle within your organisation, verifying that processes are not just documented but also effectively implemented.
- Roles and Responsibilities: Is there a clearly documented chart or matrix defining who is accountable for each step of the export process (e.g., tariff classification, documentation review, SARB reporting)? Are these roles backed by job descriptions and performance metrics?
- Written Procedures: Review your Standard Operating Procedures (SOPs) for trade compliance. Are they comprehensive, easy to understand, and regularly updated to reflect regulatory changes? The audit should test whether employees are actually following these SOPs.
- Training and Awareness: Assess your training programme. Is it conducted regularly? Does it cover recent changes in South African exchange control regulations or international trade rules? An audit should include interviewing staff to gauge their understanding of key compliance obligations.
- Compliance Monitoring: How does management oversee compliance? Look for evidence of regular self-assessments, compliance dashboards, or exception reports that provide visibility into potential issues before they become major problems.
Connecting Internal Controls to Real-World Scenarios
A strong internal control framework prevents costly errors by building checks and balances directly into your workflow. It ensures that compliance is a shared responsibility, not siloed within one department.
Example Scenario: A sales team member, eager to close a deal, promises a new international client that goods can be described generically as "Promotional Materials" on the invoice to simplify customs clearance. In an organisation with weak controls, this might proceed unchecked. However, a company with strong controls would have a mandatory review process where the finance or logistics team, guided by a clear SOP, flags the incorrect description. They would then correct it to a specific, accurate description (e.g., "1000 branded cotton t-shirts") before the SAD 500 is filed, preventing a certain customs query and potential penalties.
By auditing and strengthening your internal controls, you create a resilient compliance culture that proactively manages risk, empowers employees with clear guidance, and builds a sustainable foundation for international growth.
Trade Compliance Audit Checklist Comparison
| Item | Implementation Complexity 🔄 | Resource Requirements ⚡ | Expected Outcomes 📊 | Ideal Use Cases 💡 | Key Advantages ⭐ |
|---|---|---|---|---|---|
| Export/Import License Verification and Control | High – multi-jurisdictional, complex tracking | High – admin overhead, tech investment | Strong compliance, penalty avoidance, valid shipments | Companies with diverse controlled products & global trade | Prevents penalties, ensures license compliance, multi-region management |
| Restricted Party Screening and Sanctions Compliance | High – requires real-time screening & fuzzy matching | High – advanced algorithms, manual reviews | Block prohibited transactions, reduce sanctions risk | Businesses with many partners & regulated transactions | Real-time blocking, protects reputation, extensive list coverage |
| Product Classification and Commodity Code Accuracy | Medium to High – specialized expertise needed | Medium – classification tools, training | Correct duties, lower customs risk, accurate reports | Exporters/importers with complex product mixes | Accurate tariff application, compliance foundation, audit trail support |
| Documentation Completeness and Accuracy Review | Medium – standardization & validation processes | Medium to High – coordination & document mgmt | Faster customs clearance, fewer errors, penalty reduction | Organizations handling complex or high-volume shipments | Reduces delays, improves customs relations, supports duty optimization |
| Free Trade Agreement (FTA) and Preferential Program Utilization | Medium – complex qualification & origin verification | Medium – supplier management, tracking systems | Duty savings, competitive pricing, supply chain efficiency | Companies leveraging multiple FTAs for cost savings | Significant duty reduction, improved supplier relations, cost optimization |
| Internal Controls and Compliance Process Assessment | High – governance, procedures, training setup | High – staff, system investment, ongoing maintenance | Lower compliance risk, early issue detection, operational consistency | Organizations targeting holistic compliance and continuous improvement | Systematic controls, audit readiness, improved efficiency |
From Checklist to Competitive Advantage: Embedding Compliance into Your Growth Strategy
Navigating the complexities of global trade can seem daunting, but as we have detailed, a structured approach transforms this challenge into a significant opportunity. Moving beyond the mere act of ticking boxes, this trade compliance audit checklist is a strategic blueprint for South African exporters. It provides a methodical framework to dissect, analyse, and fortify every facet of your export operations, from initial licence verification and product classification to leveraging Free Trade Agreements and scrutinising internal controls.
The journey through this checklist is not simply about avoiding penalties or navigating red tape. It is about building a foundation of operational excellence. When you rigorously verify commodity codes, ensure documentation is flawless, and screen every transaction against restricted party lists, you are creating a resilient business model. This diligence minimises the risk of costly delays, seizures, and fines, which can be devastating for small and medium-sized enterprises. More importantly, it builds a reputation for reliability and trustworthiness with customers, customs authorities, and financial partners worldwide.
Turning Insights into Actionable Strategy
The true power of completing this audit lies in what you do with the findings. It is an exercise in discovery, revealing vulnerabilities before they become liabilities and highlighting efficiencies you may have overlooked. Perhaps you will discover that you are not fully utilising a preferential trade agreement with a key market, leaving money on the table. Or maybe you will identify a recurring error in your commercial invoices that, once corrected, could save your team hours of administrative work each week.
These insights are the building blocks of a proactive compliance culture. Instead of reacting to problems, your team becomes empowered to prevent them. This shift has a profound impact:
- Reduced Operational Friction: Smooth, predictable customs clearance processes mean faster delivery times and improved customer satisfaction.
- Enhanced Financial Performance: Correctly utilising FTAs, avoiding fines, and optimising documentation directly reduces export-related costs, boosting your profit margins.
- Increased Market Access: A robust compliance framework gives you the confidence to explore and enter new, more complex international markets, knowing your processes can withstand the scrutiny.
Key Takeaway: A trade compliance audit is not a one-off task but a continuous improvement cycle. It transforms compliance from a burdensome cost centre into a strategic enabler that drives efficiency, mitigates risk, and unlocks new avenues for international growth.
The Final Piece of the Puzzle: Aligning Compliance with Financial Technology
As you refine your internal processes based on this trade compliance audit checklist, consider the critical role of your financial tools. Traditional banking systems can often introduce their own layers of complexity and cost, with opaque forex fees and slow settlement times that undermine your hard-won operational efficiencies. This is where modern fintech solutions become a strategic partner in your compliance and growth journey.
By integrating a transparent cross-border payment platform, you align your financial operations with your commitment to compliance and efficiency. Tools designed for today’s global businesses provide the clear, auditable transaction trails required by the South African Reserve Bank (SARB). They eliminate the hidden markups and exorbitant fees that erode your export revenue, ensuring that the financial benefits of your optimised trade practices are fully realised. Marrying a strong compliance posture with intelligent financial technology creates a powerful, synergistic effect, positioning your South African business to not just compete but to lead on the global stage. Your checklist is complete; now is the time to build your advantage.
Ready to align your financial operations with your newly strengthened compliance framework? Zaro offers transparent, low-cost cross-border payments that provide the clear reporting needed for SARB compliance while eliminating hidden forex fees. See how you can protect your profits and streamline your global transactions by visiting Zaro today.