To local payment methods, including mobile money wallets and bank accounts. Tell us where you need to pay and we will confirm coverage for your markets.

How do you keep payments safe?

Every account is KYC-verified, payouts need a PIN-confirmed approval before money moves, and each payment has an on-chain proof you can share with customers and auditors.

How much does it cost?

The sandbox is free. In production you pay a clear fee per transaction plus the exchange rate, both shown before you confirm. Teams moving higher volumes can talk to us about custom pricing.

Build and test with sandbox keys, complete business verification with our team, fund your balance and switch to live keys.

Built for business

Business Payments, Made Simple!

Collect in local currency or USDC, pay your team and suppliers in one batch, and cash out to local payment methods, from mobile money to bank accounts. One dashboard, one API.

Free sandbox, no card required. Moving volume already? Talk to sales

KYC-verified accounts
PIN-confirmed approvals
On-chain proof of payment

Payroll · October

$ 1,335.00

3 recipients

A
Ama Owusu
Operations · Mobile money
$ 380.00
Paid
K
Kwame Mensah
Driver · Bank account
$ 260.00
Paid
E
Efua Asante
Supplier · Mobile money
$ 695.00
Paid

Approved with PIN

Proof of payment on-chain

QR payment received

Retail store · paid in USDC

+ $120.00

Collect, Pay Out and Cash Out in One Place.

One account replaces the patchwork of mobile money operators, banks and FX desks your finance team juggles today.

Collect

Get paid by QR code, payment link or terminal, in local currency or USDC. Every payment lands in one balance.

Start collecting →

Pay out

Pay payroll and suppliers in one batch, straight to mobile money or bank. Approve with your PIN.

See batch payouts →

Cash out

Turn USDC into local currency on mobile money or in a bank account, at a rate you see upfront.

How cash out works →

Payments API

Build collections and payouts into your product, with webhooks on every status change and a free sandbox.

Explore the API →

Built for Businesses That Move Money.

Pick your business to see how teams like yours use Fiatsend.

Payroll & HR

Pay Your Whole Team in One Batch!

Upload a list or call the API once, approve with your PIN, and everyone is paid to the mobile money wallet or bank account they already use.

Get started free Talk to sales

Batch payouts from a file or one API call
PIN-confirmed approvals before money moves
A receipt for every recipient

Live in Days, Not Months.

No bank partnerships to negotiate and no long integration project. Start in the sandbox today.

Create Your Account

Fund in Local Currency or USDC

Top up your balance, or let customer payments fill it. You see the rate before any conversion.

Pay Out

Pay one person or a whole batch by phone number or bank account, from the dashboard or the API. Approve with your PIN.

POST /v1/payouts

// Pay out to a mobile money wallet
await client.payouts.create({
  amount: '500.00',
  currency: 'USDC',
  destination: {
    country: 'GH',
    type: 'mobile_money',
    phone: '+233241234821',
  },
});

// → status: 'settled'

Read the docs Developer overview →

Your Money, Handled With Care.

Security and compliance are part of the product, so your risk and finance teams can say yes faster.

KYC-Verified Accounts

Every business and user on Fiatsend is identity-checked before money moves.

PIN-Confirmed Approvals

Payouts only go out after an approver confirms with their PIN, so no one pays by mistake.

On-Chain Proof of Payment

Each payment has a verifiable record you can share with customers, suppliers and auditors.

Real People on Support

Talk to our payments team when you need help, not a ticket queue.

Fiatsend is a payment technology company, not a bank.

Questions, Answered.

Can't find what you need? Talk to our team or browse the full FAQ.

Collect payments by QR code, payment link or terminal in local currency or USDC, pay payroll and suppliers in one batch, and cash out USDC to local payment methods. It all runs from one dashboard or one API.

Let's Get Your Business Paid!

Tell us a little about your business and a payments specialist will get back to you.

Pricing for your volume
A walkthrough of the dashboard and API
Help planning your move to production

Prefer to start building right away?

Create a free sandbox and send a test payout today.

Get started free →