Pay suppliers in China,in your client's name.

Fund in any of 20+ local currencies, and the supplier sees your client as the payer. Each payment carries the invoice number from request to receipt.

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Payer shown: Your client's company
Beneficiary: Supplier in mainland China
Funded in: 20+ local currencies, from NGN to KES
Paid in: CNY, to a bank account or Alipay
Reference: The supplier's invoice number
Proof: Status and receipt by webhook

$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

Pay a supplier for your client.Invoice attached.

The payment leaves in your client's name, with the supplier's invoice on it. The supplier gets CNY in a mainland China bank account or Alipay.

A supplier payment in CNY in the Nilos dashboard, made on behalf of your client with the invoice attached.

Every bank in the chainsees who paid.

Banks query payments sent in one name for another. With POBO (pay on behalf of), each payment leaves in your client's name, so the names match.

One call per invoice, one receipt per payment.

Send the payout from your client's account with the invoice number as reference. The Payout resolved webhook returns the status and a receipt.

POST /v1/payout/transfer
{
  "accountId": "acc_…",   // your client's account
  "recipientId": "rcp_…", // the supplier
  "sourceCurrency": "NGN",
  "targetCurrency": "CNY",
  "amount": …,
  "side": "SELL",
  "reference": "INV-…"
}

WEBHOOK Payout resolved
// status, reference and receipt

CNY inside mainland China

CNY to Alipay or to bank accounts in mainland China. You fund in any of 20+ local currencies.

Onboard each client once

If you are regulated, Nilos relies on the KYB you already hold. You send each client's details once and reuse them on every payment.

The invoice travelswith the payment.

Your client's invoice number rides on the payout, from request to receipt. The supplier matches the money to the order.

An importer's invoice paid in CNY, with the invoice number carried to the supplier

Pay suppliers for importers,small businesses and merchants.

Each segment pays suppliers for a different client. The API and the webhooks stay the same.

Banks and MFBs

Pay your importers' suppliers in China and abroad, in the importer's name.

Remittance

Serve small businesses that pay suppliers abroad, with the business named as payer.

PSPs and fintechs

Pay your merchants' supplier invoices, with each merchant named as the sender.

First supplier paid in about six weeks.

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

How it worksOne payment, end to endQuote, checks, payout, receipt What is POBO?Pay on behalf of, explainedWho is named, and why LicencesWho holds which licenceSegregated client accounts

POBO questionsfrom treasury and compliance.

Who shows as the sender?

Your client. Once they are onboarded, every payment you send for them leaves in their name, as our POBO guide explains.

Do you pay CNY inside mainland China, or SWIFT to Hong Kong?

Inside mainland China, in CNY, to the supplier's bank account or Alipay.

Do you need KYB on every one of our clients?

No, if you are regulated. Nilos relies on the KYB you already hold, and you send each client's details once.

What documents does each payment need?

The supplier's invoice, referenced on the payment.

What does payment on behalf of mean?

A payment company pays a supplier for its client, and the supplier's bank sees the client as the payer. See what POBO is.

Send us one supplier invoice.We'll show you how to pay it.

Tell us where your clients' suppliers are. We'll map the rail, timing and documents for each payment.

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