Payment Route Optimizer
Every destination has multiple rails — and the right one depends on whether you're optimizing for speed, cost or balance. Rank them for your next payment.
Frequently asked questions
Which payment rail is best for paying Chinese suppliers?
It depends on your priority: USDT settlement is fastest (same-day where the supplier agrees), CNY domestic payout is what most factories prefer (24–48h, local currency in their own account), and USD wires are the slowest with correspondent fees. The optimizer ranks them for your priority.
Why do different destinations have different rails?
Each country's domestic payment infrastructure differs: Ghana has instant mobile money, Nigeria runs NIBSS, Europe has SEPA, India has NEFT/RTGS. KeyBS Pay routes through the local rail on each side, which is why settlement beats one-size-fits-all wires.
Is the cheapest route always the best choice?
Not always. A same-day USDT settlement that locks a falling electronics price can be worth more than the fee difference; a supplier who prefers local currency may prioritise your orders. Optimize for the outcome, not just the fee line.
How accurate is the recommendation?
It reflects typical corridor behavior, but actual availability depends on KYB/KYC, compliance review, your supplier's preferences and current route conditions. Your quote confirms the exact rail, cost and timing for your payment.
Live indicative rates for 12 currencies — see what your supplier receives before you commit.
Settlement Time EstimatorEnd-to-end timing for any route: funding leg + payout leg, rail by rail.
Import Cost CalculatorFull landed-cost breakdown: CIF, duty, VAT, clearing and payment fees.
China Landed Cost EstimatorSourcing from China? Estimate duty, freight and landed cost to Tema, Apapa, Mombasa or Durban.