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Collect in local currency,from London to Lagos.

Payers send by bank transfer or mobile money, in 20+ local currencies. Each credit reaches you by webhook, with its reference.

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CurrencyPayers pay by
USDFedwire, ACH, SWIFT
EURSEPA, SEPA Instant
GBPFaster Payments
AEDUAE FTS
NGNBank transfer (NIP)
KESM-Pesa, bank transfer
XOFOrange Money, MTN MoMo, Moov, Wave, bank transfer
XAFMTN MoMo, Orange Money, bank transfer
BRLPIX
MXNSPEI
  • $2B+processed a year
  • 1M+payments
  • 99.97%success rate
  • MSBFINTRAC-registered, Nilos Canada Ltd
  • SOC 2Type II audited

In Nigeria, Senegal, Kenya and the EU, Nilos works through licensed partners. See the licence behind each market

Every credit lands in one table.With its reference.

Incoming payments show in the dashboard with their status. Your system gets the same event as an Incoming transaction webhook.

The transactions table in the Nilos dashboard: incoming payments in local currency with their status, and the webhook sent for each one.

Every credit matchedby its reference.

A sender in London pays by Faster Payments, a buyer in Nairobi by M-Pesa. You collect both through one integration.

A webhook for every credit.

Each credit fires an Incoming transaction webhook with the amount, currency, rail and reference. Your system matches it to the order and credits the customer.

WEBHOOK Incoming transaction
{
  "accountId": "acc_…",
  "isInbound": true,
  "amount": …,
  "currency": "NGN",
  "rail": "NIP",
  "reference": "ORD-…"
}
// match on reference, credit the customer

Give each client its own account details

Open a virtual account per client by API. Each credit lands on that client's balance.

Virtual accounts

Collect in euros, pay out in naira

A sender in Paris pays EUR and the family in Lagos gets NGN. Both legs run through the same API.

FX quotes

See every credit in the dashboard

Ops sees each credit with its reference. Engineering gets the same data by webhook.

Developers

Every credit landson the right balance.

Each client gets its own account details. Where an account sits in Nilos's name, the client gets a unique reference, and that reference matches each credit.

Four incoming credits on four rails, each matched to its client balance by reference

Banks, remitters, wallets and PSPscollect on the same webhooks.

Each segment collects for a different end customer. The API and the webhooks stay the same.

Banks and MFBs

Collect your business clients' receivables from abroad in EUR, GBP or USD.

Remittance

Collect from senders abroad in EUR, GBP or USD, and pay out in NGN.

B2C wallets and neobanks

Let users top up from their bank account or mobile money wallet.

PSPs and fintechs

Collect from your merchants' buyers in 20+ local currencies, from NGN to XOF.

First credit in about six weeks.

Integration takes about two weeks. Compliance onboarding runs alongside it.

How it worksOne payment, end to endFrom onboarding to first creditCoverageRails and currencies by countryWhere you can collect todayLicencesWho holds which licenceSegregated client accounts

Pay-ins questionsfrom ops and finance teams.

Will the account be in our client's name?

Yes, for USD, EUR, GBP, AED, KES and XOF. NGN, BRL, MXN and XAF use Nilos's name, with a unique reference per client.

Do we get a notification for each payment?

Yes. Every credit sends an Incoming transaction webhook with the amount, currency and reference, and it shows in the dashboard.

Where does the money sit, and under which licence?

In segregated client accounts at licensed partner banks. Nilos Canada Ltd is registered with FINTRAC as an MSB, and compliance lists the licence behind each country.

How long until we can start collecting?

About six weeks. Integration takes about two weeks, with compliance onboarding in parallel.

Tell us where your payers are.We'll map how to collect.

We'll send the rail, the account type and the timing for each country.

Talk to our teamSee coverage