For many small and medium-sized businesses, international payments are expensive to make, with extra fees and hidden costs making every transaction costly. Until recently, there have been few alternatives to using banks, but the Danish company November First offers a transparent, easy and cheap way of making international payments. November First has created a user- friendly online platform, which companies can connect their bank accounts to in order to send money abroad. November First takes care of the currency exchange and sends the money to the recipient.