Cross-border payments for people and businesses

Move money across borders, clearly and reliably.

Send, collect, and settle with the rate, route, and payout path shown before you commit.

Upfront Rates
App + API Access
Local Payout routes
Download the app Explore APIs

Use the app for personal transfers, or connect APIs and OTC support for business volume.

Cross-border routes Live rates
Live rate

Nairobi to Mumbai

Live rate loading

Rate Check

Know the payout before you commit.

Preview the amount, route, and payout currency before you confirm the transfer.

Explore corridor rate pages
Recipient gets Checking
Checking live rate Live rates load from WapiPay before payout is shown.

Before You Send

See the rate, payout method, and delivery status before confirming.

Check

Preview the rate in the currency you send.

Enter an amount, choose the send currency, and pick the country route before deciding whether to continue.

Choose

See the payout method before confirmation.

Available options like bank transfer, mobile money, WapiPay account payout, or supported wallets are shown for the selected market.

Track

Keep the delivery status visible.

Payout status, references, and delivery information remain visible so teams and customers can reconcile the movement.

Supported Rails

Local payout methods, organized by market.

Customers should see the local rails before they commit. Coverage is shown by market, payment method, and settlement path.

Kenya Mobile money, instant bank, and wallet routes
Uganda Mobile money and bank payout coverage
Nigeria Bank payout and WapiPay account routes
Tanzania Mobile wallet and account payout support
China Wallet and bank payout options
India Local account and UPI payout options
United Kingdom Bank transfer payout support
United States Bank transfer payout support
20+ Currencies supported
Instant Across supported routes
Compliance Monitoring and controls built in

Why WapiPay

Built to remove the usual drag in cross-border payments.

Most cross-border movement still breaks across pricing, visibility, and settlement. WapiPay is built to keep those parts together.

Typical setup
  • More intermediaries between sender and settlement
  • FX and fees spread across too many layers
  • Weak payout visibility once money is moving
  • Separate tools for retail, business, and treasury
With WapiPay
  • Local payout rails and route execution in one platform
  • Clearer pricing before money moves
  • Instant receiver payout across supported routes
  • Retail, enterprise, and OTC on the same system

Products

One platform for every way money moves.

Choose the surface that matches the job: personal transfers, business operations, or larger treasury movement.

01 Personal

Send, hold, and spend from one wallet.

A personal account for everyday transfers, wallet balance, account details, and virtual card access without making the customer inspect a dashboard.

  • Transfer to mobile money, bank accounts, and WapiPay users
  • Preview the rate and payout route before confirming
Get the app
02 Business

Collect, approve, and pay out at operating speed.

Business users see enough to act: what came in, what needs approval, and which payout events have completed.

  • Batch payouts, approval queues, reconciliation, and webhook events
  • Local collection and payout rails across supported markets
Open developer portal
03 Treasury

Move larger value with a clearer desk process.

The OTC path turns quote, review, booking, and settlement into a visible flow without surrounding it with unnecessary interface chrome.

  • Live quote review, beneficiary check, and desk follow-up
  • Support for supplier settlement and larger FX execution
Talk to OTC desk

Trust Controls

Payment products need operational controls.

WapiPay presents verification, screening, secure access, and audit visibility as part of the product experience.

Markets
  • Kenya
  • Uganda
  • Tanzania
  • Nigeria
  • China
  • India
  • United Kingdom
  • United States
Capabilities
  • Retail Wallet, IBAN, card, bill pay, and transfer flows
  • Enterprise Collections, payouts, developer portal access, APIs, agents, and reconciliation
  • OTC Large-value FX and fiat settlement with dedicated support
  • Network Instant free transfers between WapiPay accounts worldwide
Controls
  • KYC / KYB Identity and business verification before movement begins
  • AML Screening Real-time checks against sanctions and watchlists
  • Security AES encryption, MFA, and secure access controls
  • Audit Reporting, logs, and compliance-grade visibility
  • Documentation See trust and legal pages for terms, privacy, and security notes