Startup Payments
Payment Infrastructure That Scales With You
From your first SaaS subscription to payroll across three continents — virtual cards, global payouts, FX and multi-currency accounts in one platform, with an API your engineers will actually enjoy.
Common Challenges
Early-stage teams inherit enterprise payment problems long before they have an enterprise finance team.
Tool sprawl from day one
One provider for cards, another for wires, a third for FX — each with its own fees, logins and statements.
Paying global vendors & talent
International hires and vendors mean SWIFT wires, lost intermediary fees and days of settlement uncertainty.
Runway eaten by FX spreads
Converting investor USD into operating currencies through a bank silently burns runway on every transfer.
Shared card chaos
The whole company on one founder’s card means no limits, no ownership and painful month-end reconciliation.
No engineering bandwidth
Finance automation gets deprioritised because integrating payment providers is usually weeks of work.
Scaling into new markets
Each new country adds banking relationships, local rails and compliance questions your team has never faced.
How KeyBS Pay Solves Them
One stack, not five tools
Cards, payouts, FX and multi-currency balances live in one dashboard with one statement — finance ops stays lean as headcount grows.
Global payouts on local rails
Pay vendors, contractors and payroll across 190+ countries with bank details verified before money moves.
Runway-friendly FX
Convert between currencies at quoted rates with transparent, route-dependent pricing — From 1.5%, route-dependent.
Cards with built-in control
Issue a virtual card per tool, per team or per campaign with hard limits — spend stays visible without slowing anyone down.
Recommended Products
From Seed to Scale
- 01
Open your account
Business verification and onboarding handled online — no branch visits.
- 02
Fund balances
Bring in investor or revenue funds and hold them across currencies.
- 03
Issue team cards
Give every tool and team its own card with a limit that matches the budget.
- 04
Pay globally
Send verified payouts to vendors and talent on local rails.
- 05
Automate with the API
Wire payments and reconciliation into your product or back office.
Why Teams Choose KeyBS Pay
- One provider from first invoice to multi-market operations
- Quoted FX rates protect runway on every conversion
- Beneficiary verification stops payments to wrong or fraudulent accounts
- Card limits and labels replace spreadsheet-based spend control
- Developer-first API with sandbox — integrate in days, not weeks
- Support that scales with you into new corridors and currencies
Built for Your Stack
Everything in the dashboard is available over REST — accounts, cards, payouts, FX quotes and webhooks. Start in the sandbox, ship to production with the same code.
Explore the API Documentation →# Get a locked FX quotePOST /v1/fx/quotes{ "sell": "USD", "buy": "GHS","amount": 25000 }# Send a vendor payoutPOST /v1/payouts{ "quote_id": "qt_91af","beneficiary_id": "ben_2c7d" }
Frequently Asked Questions
We are pre-revenue — can we still open an account?
Yes. Onboarding is designed for early-stage companies: business verification runs online, and there are no minimum volume commitments. You can start with cards and a single currency balance and add payouts and FX as you grow.
How fast can we integrate the API?
Most teams are making sandbox payouts within a day. The REST API covers accounts, cards, payouts, FX quotes and webhooks, and the sandbox mirrors production behaviour so the same code ships live.
What does it cost?
Pricing is transparent and route-dependent — From 1.5%, route-dependent on payouts, with the FX rate quoted and locked before you confirm. No monthly platform fee to get started.
Can we pay remote employees and contractors?
Yes. Payouts reach 190+ countries on local rails, with beneficiary bank details verified before the first payment — so payroll and contractor payments arrive in local currency without intermediary deductions.
How do virtual cards help control burn?
Each card carries its own limit and label — one per SaaS tool, ad platform or team. Finance sees exactly where money goes in real time, and cancelling a tool is as simple as freezing its card.
Build on Payment Rails That Scale
Open an account online, or talk to our team about your corridors, currencies and integration plans.