Pay banks and wallets in 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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Read the docs
POST /v1/payout/transfer
{
  "accountId": "acc_…",
  "recipientId": "rcp_…",
  "sourceCurrency": "EUR",
  "targetCurrency": "KES",
  "amount": …,
  "side": "SELL"
}

WEBHOOK Payout resolved
// status, rail reference and receipt

Proven at scale.

Nilos Canada Ltd is a FINTRAC-registered MSB. In Nigeria, Senegal, Kenya and the EU, Nilos works through licensed partners.

See the licence behind each market

$2B+

processed a year

1M+

payments

99.97%

success rate

SOC 2

Type II audited

SWIFT, local funding and a receipt for every payout.

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.

Land in the wallet your 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

Send a payout in three steps.

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.

Built for banks, remitters, wallets and PSPs.

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.

See how it works

1

Map the corridors

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

2

Onboard and integrate

We run KYB while your team connects the API. The build takes about two weeks.

3

First payout

Fund in your local currency and send a payout. Check the receipt and status end to end.

Payout questions before the first transfer.

Finance and ops teams ask these before they move volume to a new provider.

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