Which countries can I send money to?

KeyBS Pay supports cross-border payments to up to 130+ countries through partner infrastructure. Country availability is route-dependent and subject to KYB/KYC, AML review, partner coverage and jurisdictional restrictions at execution.

How is the FX rate determined?

Each request returns an indicative quoted rate covering FX, fees and partner route information before funds move. Rates are subject to partner rate availability at the moment of execution and may change between quote and confirmation.

How long does settlement take?

Settlement timing is route-dependent. Each quote shows an indicative settlement window based on the corridor, payment rail, beneficiary bank and compliance review. KeyBS Pay does not promise universal same-day or T+0 settlement.

How are my funds protected?

Customer funds are managed through regulated infrastructure partners. KeyBS Pay is not a bank. Services are subject to KYB/KYC, AML review, jurisdictional availability, partner approval and transaction monitoring.

Can I use KeyBS Pay over WhatsApp?

WhatsApp Banking provides supported flows for account, payments, payment-link sharing, supplier verification and transaction tracking. Available features depend on the workflow, country and approval status.

How can my developers integrate with KeyBS Pay?

Developer access is available on request. The API is in private beta — capabilities are classified as live, beta, partner-only or coming-soon in the developer portal. Sandbox access is granted after onboarding and compliance review.

How It Works

How KeyBS Pay Works

KeyBS Pay helps eligible African businesses pay overseas suppliers, collect customer payments, manage FX, verify counterparties and run treasury workflows through a single platform. The process is the same whether you start through the dashboard, WhatsApp Banking or the API: you apply, complete business onboarding, choose a service path, upload the documents that workflow needs, review an indicative quote, approve the transaction and then track it through to settlement. Timings, fees and country coverage are route-dependent — each quote shows the corridor-specific details before any funds move. KeyBS Pay is not a bank and operates through regulated infrastructure partners; all services are subject to KYB/KYC, AML review, jurisdictional availability, partner coverage and compliance review.

Quick answer

Apply → Complete business onboarding → Select a service → Upload required documents → Review the quote or request → Approve the transaction → Track progress → Download records. Each step is subject to compliance review; timings are route-dependent.

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Last reviewed February 2026

The KeyBS Pay process

Eight steps from application to record

Designed so a single onboarding unlocks every KeyBS Pay workflow. Each transaction is subject to compliance review.

Apply

Submit a short business profile so we can route you to the right service path and compliance team.

Subject to review

Complete business onboarding

Provide KYB/KYC documents — company registration, beneficial ownership, director IDs and proof of business address.

Eligibility-dependent

Select a service

Choose the workflow you need: Global Payments, Pay to China, Global Collection, FX, Supplier Verification, E-Invoicing, WhatsApp Banking or Payment Links.

On approval

Upload required documents

Share invoices, supplier details, beneficiary bank information and any service-specific paperwork.

Service-dependent

Review the quote or request

Receive an indicative quote covering FX, fees and route information before any funds move.

Indicative

Approve the transaction

Confirm the request inside your dashboard, WhatsApp Banking or via API. Compliance review may apply per transaction.

Subject to compliance

Track progress

Follow each transaction through onboarding, FX, partner routing and settlement — with status updates at every step.

Route-dependent

Download records

Export branded receipts, transaction records and reconciliation reports for accounting and audit trails.

Where available

Service-specific paths

Choose your workflow

The 8-step process above is the same backbone. Each service path adds its own documents, quote details and tracking surface.

Pay

Global Payments

Pay suppliers and partners through partner-routed cross-border infrastructure to eligible destinations.

See workflow

Pay

Pay to China

Settle approved Chinese supplier invoices in CNY with coordinated FX and supplier verification.

See workflow

Verify

Supplier Verification

Run registry-backed checks across 30+ countries before sending funds to a new beneficiary.

See workflow

Collect

Global Collection

Collect customer payments into supported multi-currency accounts where merchant approval is in place.

See workflow

Collect

E-Invoicing

Create branded invoices, share payment links, track payment status and improve reconciliation.

See workflow

Access

WhatsApp Banking

Access account, payment-link, supplier-verification and transaction workflows over WhatsApp where available.

See workflow

FAQ

Frequently asked questions

Still have questions?

Contact our team

KeyBS Pay is not a bank. Services are provided through regulated infrastructure partners. All onboarding, payments, FX, collections and verification workflows are subject to KYB/KYC, AML review, jurisdictional availability, partner coverage, transaction monitoring and compliance review. Timings, fees and country coverage are route-dependent and indicative. This is not financial advice.