Balances in seven currencies
Hold money where you’ll spend it. Convert only when the rate suits you.
🇳🇬Nigerian nairaLagos₦486.2M
🇰🇪Kenyan shillingNairobiKSh38.9M
🇬🇧British poundLondon£214k
New Direct cedi to shilling payouts are live Pay across Africa and the
Rated 4.8 out of 5 by 1,200 finance teams
Pay across Africa and the
world in seconds, not days
One business account for NGN, GHS, KES, ZAR, USD, GBP and EUR. Pay suppliers, run payroll and collect from customers in 38 corridors, at the mid-market rate you see before you send.
USD to NGN · example1,328.09 Lock it for 24 hours
Mombasa Cold ChainNGN to KES
₦25,000,000 KSh2,432,730
LockedScreenedSentSettled
Settled in 38 secondsPayroll sent140 people in NGN, GHS and KES
Moving money for 2,400 businesses in 14 countries
Savanna Air Adire & Co Northgate Kente Labs Bluecrest Lumen Freight
GBP → NGN1,755.97+0.21%USD → NGN1,328.09−0.16%USD → KES129.74−0.06%EUR → GHS13.17+0.12%NGN → KES0.0977+0.08%USD → GHS11.72−0.54%
Example mid-market rates for illustration, 13 Oct 2026. Not live data.
Transparent quotes
See exactly what arrives before you send
Every quote starts from the mid-market rate. Lock it, and that’s the rate that lands, with no second margin taken at the other end.
- One visible fee, shown before you confirm
- 24-hour rate locks for pro-forma invoices
- Side-by-side with a typical bank wire
Send money
● Example rateThey receive
₦17,489,460NGN
- Rate
- 1 GBP = 1,755.97 NGN
- PayTribes fee
- £40.00 (0.4%)
- Arrives
- Under a minute
With PayTribesUnder a minuteFee £40
Typical bank wire2 to 4 business daysFees and margin £376
Your supplier gets ₦589,280 more than with a typical bank wire.
Lock this rate for 24 hoursExample rates for illustration, not a live quote. Typical bank assumes a 3.5% margin plus a $35 wire fee.
Multi-currency accounts
One account for every currency you touch
Hold, convert and pay out in seven currencies without opening a bank account in every country you trade with.
Lock a rate for 24 hours
Quote your customer today and pay your supplier tomorrow, at the same rate.
USD to NGN, locked1,328.0918:42:07 left on this lock
Local account details
Get paid like a local in Lagos, London and New York.
- Account name
- Adire & Co Ltd
- Sort code
- 04-00-75
- Account
- 3192 6819
Pay 400 suppliers in one go
Upload a spreadsheet. PayTribes checks every row, then pays each supplier in their own currency.
Ikeja Packaging Ltd₦4,120,000Settled
Tema Port HaulageGH₵38,400Settled
Mombasa Cold ChainKSh912,500Sending
Every payment screened
Sanctions, fraud and business checks run in the background, so legitimate payments aren’t held up.
Recipient name matched0.4s
Sanctions and watchlists0.8s
Second approverWaiting
Reconciles itself
Payments, fees and FX gains post to your ledger with the invoice attached.
INV-2291Ikeja PackagingPaid
INV-2288Tema Port HaulagePaid
FX gainPosted automatically₦12,400
Who it’s for
Built for businesses that trade across borders
Whether you import stock, sell across the continent or pay a team in three countries, PayTribes handles the currency side.
Importers and exporters
Pay overseas suppliers before the ship leaves port
Convert naira, cedi or shillings to dollars, pounds or euros at a locked rate and pay the same day.
How supplier payouts work
Retail and marketplaces
Sell across the continent, get paid like a local
Give customers local account details in Nigeria, the UK and the US, with payments labelled by who paid and for what.
See business accounts
Manufacturers
Protect your margins from currency swings
See your exposure by currency, set rate alerts and convert when the rate works for you, not when the bank opens.
See example rates
Teams and payroll
Pay your team in their own currency, on time
Run payroll for staff and contractors across Lagos, Accra and Nairobi from one spreadsheet, the same morning.
See payrollThe honest comparison
What a $10,000 payment really costs
Banks rarely charge a visible conversion fee. They build a margin into the rate instead. Here’s how PayTribes compares with a typical bank wire.
| Compare |  PayTribes | Typical bank wire |
|---|---|---|
| Exchange rate | Mid-market rate plus one fee from 0.4% | A 2 to 4% margin built into the rate |
| Speed | Under a minute in most corridors | 2 to 4 business days |
| Fees shown | Before you send, in full | Often only on your statement |
| Receiving money | Free on every plan | $15 to $30 per incoming wire |
| Rate locks | 24 hours, on any of 38 pairs | Rarely available to SMEs |
| Approvals | Rules by amount, currency and recipient | Manual sign-off at the branch |
| Tracking | Live status and proof of payment | Call the bank and wait |
| Accounting | Syncs with the invoice attached | Manual export and matching |
Getting started
From sign-up to first payment in four steps
Most businesses are verified within one working day.
Verify your business
Upload your registration and director IDs. Anything else we need comes in one message, not five.
Add money
Send a local transfer to your PayTribes account details in any of seven currencies. It shows up in seconds.
Convert and pay
Pay one recipient or four hundred. Approval rules stop anything over your limit leaving without a second sign-off.
Close the books
Every payment syncs to your accounting software with the rate, fee and invoice attached.
PayTribes for iOS and Android
Approve payments from anywhere
Get a push notification the moment a payment needs you. Check the rate, see who requested it and approve with Face ID, from the warehouse floor or the airport lounge.
- One-tap approvals with biometric sign-in
- Rate alerts and 24-hour locks on the go
- Share proof of payment with a supplier in seconds
Store links are placeholders in this template.
$2.4BMoved for customers in 2026
41sMedian time to settle
38Currency corridors
4.8/5Average customer rating
Customer stories
Finance teams who stopped waiting on wires
Supplier paymentsPayroll runFX cost on invoicesMonth-end close
7 days earlySame day
“We used to pre-fund our Nairobi warehouse a week early to cover SWIFT delays. Now we pay the morning the stock arrives, and the rate on the invoice is the rate we pay.”
Wanjiru KamauSavanna Air Cargo
A weekendOne upload
“Payroll for 140 people across Lagos and Accra is one upload on the 25th. It used to be two banks, three spreadsheets and a lost weekend.”
Tolu AdebayoAdire & Co
3.6%0.4%
“Our UK customers pay into a sort code and our team in Accra gets cedis an hour later. Nobody here has to think about currency any more.”
Kwame MensahKente Labs
4 days1 day
“Every payment lands in our ledger with the rate and invoice attached. Our auditors stopped asking for bank letters to prove what we paid and when.”
Amara OkaforBluecrest Agro
Security
Your money is safeguarded, never lent out
Customer funds sit in segregated accounts at regulated banks in each currency’s home market, separate from PayTribes’ own money.
Safeguarded funds
Held 1:1 in segregated accounts
Every payment screened
Sanctions and fraud checks in under a second
Two-person approvals
Set limits by amount, currency or recipient
Passkeys and 2FA
Encrypted in transit and at rest
FAQ
Questions finance teams ask us
How can a payment settle in seconds?
We hold pre-funded balances with licensed partners in each market, so a payment from Lagos to Nairobi becomes two local transfers on instant rails instead of one slow international wire through correspondent banks.
What do you need to verify my business?
Your company registration, proof of address, and ID for each director and anyone owning 25% or more. Most businesses are approved within one working day.
Which countries can I pay into?
Nigeria, Ghana, Kenya, South Africa, Uganda, Tanzania, Rwanda, Côte d’Ivoire, Senegal, Egypt, the UK, the eurozone, the US and the UAE, across 38 currency pairs.
How does a 24-hour rate lock work?
Lock today’s rate on any pair and use it for payments over the next 24 hours, up to the amount you locked. If you don’t use it, the lock simply expires with no charge.
Can I require two people to approve payments?
Yes. Set approval rules by amount, currency or recipient, and nothing above your limit leaves without a second sign-off from someone you choose.
Does PayTribes work with my accounting software?
Yes. PayTribes syncs with the major cloud accounting tools. Each payment posts with the invoice, the rate used and any fees or FX gains, ready to reconcile.
Your next supplier payment could land in under a minute.
Open a PayTribes account online. Most businesses are verified within one working day and can pay their first supplier the next morning.
Free to openNo minimum balanceVerified in about a day