Pay banks and walletsin 100+ local currencies.

Pay on local rails like NIP and M-Pesa, or SWIFT to 180+ countries. Fund in 20+ local currencies, with no USD pre-funding.

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POST /v1/payout/transfer
{
  "accountId": "acc_…",
  "recipientId": "rcp_…",
  "sourceCurrency": "EUR",
  "targetCurrency": "KES",
  "amount": …,
  "side": "SELL"
}

WEBHOOK Payout resolved
// status, rail reference and receipt

$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

Send a payout in three steps.Then watch it reach paid.

Pick the account, the recipient and the amount, then review and send. The dashboard shows each payout's status until it lands.

Sending a payout in the Nilos dashboard: account, recipient and amount, then review, send and a paid status.

Land in the walletyour recipient already uses.

Pay M-Pesa in Kenya and mobile money across the XOF and XAF zones. Bank payouts run on local rails, like NIP in Nigeria.

Currency	Country or zone	Pay out to
NGN	Nigeria	Bank transfer (NIP)
KES	Kenya	M-Pesa, bank transfer
XOF	WAEMU	Mobile money, bank transfer
XAF	CEMAC	Mobile money, bank transfer
CNY	Mainland China	Bank transfer, Alipay
USD, EUR, GBP	Worldwide	SWIFT, SEPA, local USD rails

See all payout countries on the coverage page.

SWIFT to 180+ countries, with the MT103

Send USD, EUR and GBP to bank accounts worldwide. Pull the MT103 by API when your customer asks for proof.

Fund in naira, shillings or CFA francs

Top up in any of 20+ local currencies, with no USD pre-funding. Nilos converts and settles the other side.

FX quotes

A status and a receipt for every payout

Each status change reaches you by webhook. When the payout lands, you get a receipt to forward to your customer.

One payout call,every rail behind it.

Your platform sends one request. The money lands in a bank account, a mobile wallet or over SWIFT, and the status comes back by webhook.

One payout request from your platform fans out to banks, mobile wallets and SWIFT

Four businesses,one payout call.

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

First payout in about six weeks.

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

How it worksOne payment, end to endQuote, checks, payout, receipt CoveragePayout countries and railsUsual speed per country LicencesWho holds which licenceSegregated client accounts

Payout questionsbefore the first transfer.

Do we get a receipt when the payout lands?

Yes. A Payout resolved webhook fires when the payout is paid, with the rail reference, and SWIFT payouts include the MT103.

Can the payout show our client as the sender?

Yes. You set the sender on each payout, and POBO shows how it works.

Do we have to pre-fund in USD?

No. Fund in any of 20+ local currencies, and Nilos settles the other side.

What happens if a payout is returned?

You get a returned status by webhook, with the reason.

Which African countries can you pay out to?

The coverage page lists them live, by country, currency and rail.

Tell us where your customers send money.We'll map the rails.

Send us your corridor list. We'll reply with rails, typical timings and documents for each country.

Talk to our team See coverage