Built for every business
crossing borders
Whether you're an importer in Accra, an exporter in Lagos, a freight forwarder in Mombasa, or an enterprise treasury team spanning 20 countries — KeyBS Pay has a solution built specifically for your workflow.
Find your solution
Every solution includes quoted FX, real-time tracking, and dedicated support. Select the one built for your business type.
Importers
Pay overseas suppliers safely — without bank markups
African importers lose thousands annually on inflated bank FX rates, slow SWIFT wires, and hidden correspondent fees. KeyBS Pay gives you the quoted FX rate, corridor-specific or quote-based pricing, and route-dependent settlement.
- ✓Quoted FX rate locked at quote — no post-settlement surprises
- ✓Same-day payment to China, UAE, India, UK & Europe
- ✓From 1.5%, route-dependent — no wire or receiving charges
- ✓Pay in USDT to bypass banking delays entirely
- ✓AI-powered supplier verification before you wire
Exporters
Get paid faster on your African export invoices
African exporters deserve fast, transparent USD/GBP/EUR payments from global buyers. KeyBS Pay provides multi-currency settlement rails so export proceeds arrive quickly with full compliance documentation.
- ✓Receive USD, EUR, GBP, CNY directly to your KeyBS wallet
- ✓Convert to GHS/NGN/KES at quoted — 1.5% fee
- ✓Real-time payment tracking with audit trail
- ✓Automated invoicing and payment confirmation
- ✓SWIFT, SEPA, and local rail options
China Supplier Payments
Pay Chinese factories in CNY — directly from Africa
The China–Africa trade corridor is the highest-volume and highest-risk sourcing route on the continent. KeyBS Pay is purpose-built for this corridor: CNY payment rails, AI supplier verification, and USDT settlement.
- ✓Pay in CNY to Chinese manufacturers — from any African bank
- ✓AI verification of Unified Social Credit Code (USCC) before payment
- ✓USDT TRC20 option for suppliers who prefer crypto rails
- ✓Canton Fair ghost factory detection
- ✓WeChat Pay / Alipay red flag alerts
Freelancers & Agencies
Get paid in USD, EUR or GBP — settle locally in minutes
African freelancers and digital agencies working with global clients need reliable USD/GBP/EUR receipt and fast local currency conversion. KeyBS Pay removes the friction of cross-border income.
- ✓Receive USD, EUR, GBP client payments via SWIFT or SEPA
- ✓Convert to GHS, NGN, KES at quoted rate
- ✓Payment links — send clients a no-code invoice page
- ✓Virtual USD bank account details to share with clients
- ✓Same-day local settlement on incoming wires
African Businesses
Cross-border payments built for the African market
From Lagos to Nairobi, Accra to Cape Town — KeyBS Pay is built for intra-Africa and Africa–World trade. Payment reach up to 190+ countries via partner rails, with native support for African currencies (GHS, NGN, KES, ZAR) and global majors.
- ✓GHS, NGN, KES, ZAR, XOF, XAF local currency settlement
- ✓Mobile Money: MTN, Vodafone, AirtelTigo
- ✓WhatsApp-native payment commands — no app needed
- ✓SME pricing with no monthly minimums
- ✓Supplier verification built in — registry-backed, AI-powered
Enterprise Treasury
Multi-entity FX, payroll and trade finance at scale
Large African enterprises and multinationals operating across Africa need institutional-grade FX management, multi-entity account structures, and compliance-ready payment workflows at scale.
- ✓OTC FX block trades from $50,000 — no slippage
- ✓Multi-entity account structure with sub-wallets
- ✓Forward contracts — lock rates for future settlements
- ✓Global payroll via 6 payment rails
- ✓Dedicated relationship manager + SLA support
Logistics & Freight
Cross-border freight payments across all African markets
Logistics companies operating across African borders need multi-currency payment capability for freight agent fees, customs bonds, and supplier settlements — in local currencies, fast.
- ✓Pay freight agents and customs brokers globally via partner rails (up to 190+ countries, route-dependent)
- ✓USD, EUR, GBP, AED, CNY natively supported
- ✓Full payment audit trail for customs documentation
- ✓Customs bond and duty payments in local currencies
- ✓API integration for automated payment workflows
Marketplaces
Payout infrastructure for platforms that pay sellers worldwide
Marketplaces need to verify seller bank accounts, disburse earnings in local currencies, and reconcile thousands of payouts automatically. KeyBS Pay handles the full disbursement lifecycle over one API.
- ✓Seller bank account verification before the first payout
- ✓Local-rail disbursements across 190+ countries (route-dependent)
- ✓Batch payouts and webhook reconciliation via API
- ✓Quoted FX rates protect your take rate
- ✓Full audit trail for compliance teams
Agencies
Contractor payouts, ad-spend cards and multi-currency billing
Creative, marketing and dev agencies run global teams and global media budgets. KeyBS Pay unifies contractor payments, per-client virtual cards and FX on client revenue in one stack.
- ✓Pay freelancers on local rails in local currency
- ✓Virtual cards per ad platform and client budget
- ✓Multi-currency client billing (USD, EUR, GBP)
- ✓FX conversion at quoted rates — protect agency margin
- ✓Client-level spend reporting built in
Startups
One payment stack from first invoice to global scale
Startups inherit enterprise payment problems early — global vendors, remote talent, FX on investor funds. KeyBS Pay gives you cards, payouts, FX and multi-currency accounts with a developer-first API.
- ✓Virtual cards per tool and team with hard limits
- ✓Vendor & payroll payouts across 190+ countries
- ✓Runway-friendly FX at quoted rates
- ✓Multi-currency accounts for investor and revenue funds
- ✓Sandbox API — integrate in days, not weeks
One platform. Every corridor.
Most fintechs pick one use case. KeyBS Pay is the only platform that combines global payments, stablecoin settlement, supplier verification, and trade intelligence in a single product.
Route-Dependent Settlement
Most corridors settle on the same business day. No 3–5 day SWIFT delays. No "funds en route" holding patterns.
Verify AI Supplier Verification
The only payment platform that verifies your supplier before you send money. From $29 — registry check, sanctions screen, AI risk score.
Quote-Based Pricing
Each quote shows corridor-specific fees, the FX rate and route information before approval. No surprise correspondent-bank deductions on arrival.
USDT Stablecoin Rails
Bypass banking delays where stablecoin rails are supported. Pay Chinese suppliers, UAE traders, and Indian manufacturers in USDT — route-dependent settlement.
Africa-First Infrastructure
GHS, NGN, KES, ZAR, XOF, XAF local settlement. Mobile Money support. Built for African business — not adapted for it.
Escrow Protection
Funds held in escrow until you confirm delivery. No more 100% advance T/T fraud on high-value supplier orders. (Sprint 2)
Ready to move money
the right way?
Talk to our team and get a free FX cost analysis comparing your current bank vs KeyBS Pay for your exact trade corridor.