Cross-border payment infrastructure

Move money into Africa.
Without the friction.

One API. Banks, mobile wallets, and digital assets across Africa — with FX optimisation, embedded compliance, and guaranteed payout delivery built in.

Global Business UK / EU / North America NectPay FX · Compliance · Routing Banks Nigeria · Ghana GT Bank · Stanbic · Fidelity Mobile Wallets Kenya · Tanzania M-Pesa · Airtel · MTN Digital Assets Thin corridors USDC · stablecoin rails Agent Networks W. Africa · S. Africa Cash out · last mile Recipients across Africa Suppliers · Workers · Merchants · Marketplaces · NGOs Guaranteed SLA FX optimised KYC/AML inline Real-time track
$100B+
Annual remittances into Sub-Saharan Africa through formal channels
8.5%
Average cost to send $200 into Africa — more than double the G20 target
178
Mobile money services across Africa — all reachable through one NectPay API
The platform

Everything the Africa corridor demands. In one API.

NectPay manages the hard parts — so your team doesn't have to stitch together local providers, chase FX rates, or manually handle compliance documentation.

⚡

Single API, all rails

One integration reaches banks, mobile money operators (M-Pesa, MTN, Airtel), agent networks, and digital asset rails across 20+ African markets.

📈

FX optimisation engine

Real-time rate aggregation selects the cheapest conversion path on every transaction. No hidden spreads. No manual rate negotiation. Disclosed upfront.

🛡

Embedded compliance

KYC, AML, and multi-jurisdiction documentation handled inside the payment workflow. Payments clear without mid-transit holds or returned transfers.

✅

Guaranteed delivery SLAs

Contractual payout windows with automatic fallback rail switching. Know when money arrives — not just when it was sent.

Live corridors

Starting where the volume is.

Phase 1 focuses on the UK's highest-volume Africa corridors — where rails are mature, enterprise demand is proven, and diaspora flows are largest.

🇳🇬

UK → Nigeria

NGN · Banks · Fintech rails

Phase 1
🇰🇪

UK → Kenya

KES · M-Pesa · Banks

Phase 1
🇬🇭

UK → Ghana

GHS · MTN · Banks

Phase 1
🇸🇳

EU → Senegal

XOF · Orange Money

Phase 2
🇿🇦

Global → South Africa

ZAR · Banks · EFT

Phase 2
🌍

20+ markets

via PAPSS network

Phase 3
How it works

From API call to payout in minutes.

NectPay abstracts years of banking relationships, compliance infrastructure, and FX expertise into a developer-friendly integration.

01
🔌

Integrate once

REST API or SDK. Sandbox in minutes. Production in days.

02
🧩

Submit payout

Send recipient details, amount, and preferred rail. We handle the rest.

03
⚙️

NectPay routes

FX optimised, compliance cleared, best rail selected automatically.

04
💚

Confirmed delivery

Webhook confirmation when funds arrive. SLA guaranteed.

Developers

One API. Try it right now.

This runs the real NectPay engine logic in your browser — genuine compliance rules, genuine FX ranking, genuine rail routing with automatic fallback. No backend, no signup, just the actual decision logic.

curl -X POST https://api.nectpay.com/v1/payouts \ -H "Authorization: Bearer sk_live_..." \ -H "Content-Type: application/json" \ -d '{ "sourceCurrency": "GBP", "destinationCurrency": "NGN", "destinationCountry": "NG", "sourceAmountMinor": 500000, "purposeCode": "supplier_payment", "recipient": { "name": "Adaeze Okafor", "idNumber": "NG-BVN-22910384", "accountNumber": "0123456789" } }'

Try a live payout

Live engine output

Submit a payout above to see the real compliance → FX → routing → execution flow.
Who we serve

Built for platforms that pay at scale.

NectPay serves B2B clients with a structural need for reliable Africa payment infrastructure — not one-off senders.

🌐

Gig & freelance platforms

Pay thousands of African workers weekly. Reliability and speed are non-negotiable at your scale.

🛒

E-commerce marketplaces

Vendor payouts to African sellers require multi-country reach and predictable FX — every cycle.

💼

Payroll & HR platforms

Salary disbursements need guaranteed SLAs and compliance-grade audit trails for every transaction.

💸

Remittance fintechs

Consumer-facing apps use NectPay as white-label infrastructure — faster rails, lower costs.

📦

Trade & import/export

African importers paying overseas suppliers need FX risk management and fast settlement.

🤝

NGOs & development finance

Programme disbursements require last-mile mobile money reach and compliance documentation.

Ready to move money into Africa?

Join the waitlist for early API access. No commitment required.