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Cross-border payouts

Hold every currency.
Pay every country.

SyntraPayment gives your business multi-currency accounts, a rate you can lock before you commit, and payouts that land in 100+ countries, all from one balance on one ledger.

Open an accountTalk to sales
  • Licensed & regulated
  • SOC 2 Type II
  • Funds held 1:1
Payout · po_4471QxDLocked 30s

You send

₦2,500,000.00

NGN

They receive

$1,612.64

USD
Rate
1 USD = 1,550.25 NGN
Fee
₦0.00
Arrives
Today, before 5:00 PM

Converted and settled · reference PO-4471

Paying suppliers and staff on Syntra

  • Ardent Foods
  • Kola Health
  • Northwind Labs
  • Fera Logistics
  • Bluepeak
  • Otivo
  • Marrow & Co
  • Sable Freight

Multi-currency accounts

Stop opening a bank account for every market you enter

Get local account details in the currencies you trade in, hold what you collect, and convert only when the rate suits you.

Balances

6 of 20+ shown

  • NGNNigerian naira48,210,400.00
  • USDUS dollar312,880.14
  • GBPPound sterling94,120.00
  • EUREuro128,455.90
  • KESKenyan shilling6,740,000.00
  • GHSGhanaian cedi812,300.50
countries you can pay into
100+

countries you can pay into

currencies you can hold
20+

currencies you can hold

payout success rate, trailing 90 days
99.98%

payout success rate, trailing 90 days

median time to settle a same-day corridor
< 2 min

median time to settle a same-day corridor

Coverage

100+ countries, priced before you commit

Pick a corridor and Syntra returns the live rate, the fee, and the arrival window. Nothing about the cost is discovered after the money leaves.

Sample live corridors with indicative rates and settlement speed
CorridorIndicative rateSettlement
NGNUSD1,550.25Same dayQuote a NGN to USD payout
USDGBP0.7842Under 2 hrsQuote a USD to GBP payout
EURKES141.06Same dayQuote a EUR to KES payout
GBPGHS19.34Same dayQuote a GBP to GHS payout
USDINR84.12Under 1 hrQuote a USD to INR payout
EURPHP62.88Same dayQuote a EUR to PHP payout

Rates shown are indicative and refresh continuously. Your quote is locked for 30 seconds at the moment you request it.

Why finance teams switch

Three things we refuse to be vague about

Locked quote · 30s

The rate you see is the rate you pay

Every quote is locked for 30 seconds before you commit. No mid-market marketing rate that quietly widens at settlement, and no spread hidden inside the fee line.

20+ currencies

One balance, many currencies

Collect in naira, hold in dollars, pay a supplier in euros. Money stays on one ledger, so treasury stops reconciling six bank portals every month-end.

SOC 2 Type II

Built to be audited

Customer funds are held 1:1 with regulated partner banks and never lent out. Every movement carries an immutable reference your auditor can follow end to end.

Getting started

From documents to a settled payout

Four steps, in order. Most businesses send their first payout the day after they apply.

  1. 01

    Open your account

    Submit incorporation documents and directors' IDs. Most businesses are verified within one working day.

  2. 02

    Fund a balance

    Receive into local account details in your operating currencies, or move an existing balance in by transfer.

  3. 03

    Quote and lock

    Enter the amount and destination. Syntra returns a rate, the fee, and the arrival window, locked for 30 seconds.

  4. 04

    Pay and reconcile

    Send one payout or upload a batch of ten thousand. Each carries a reference that flows straight into your ledger.

“We were paying growers in four countries and closing the books took nine days. On Syntra it takes an afternoon, and finance stopped guessing what a payment actually cost us.”
Adaeze Nwosu·VP Finance, Ardent Foods

Developers

One API call from quote to settled

Quote, lock, and execute a payout in a single idempotent request. Webhooks confirm settlement, and every response carries the reference your ledger already understands.

  • REST API with idempotency keys on every write
  • Signed webhooks for quote, payout, and settlement events
  • Sandbox with simulated corridors and failure modes
Read the API referenceGet sandbox keys
POST /v1/payouts
curl https://api.syntrapayments.com/v1/payouts \
  -H "Authorization: Bearer $SYNTRA_KEY" \
  -H "Idempotency-Key: 8f2c-payroll-mar" \
  -d source_currency=NGN \
  -d destination_currency=USD \
  -d amount=2500000 \
  -d beneficiary=bnf_9Ka2Rt

{
  "id": "po_4471QxD",
  "status": "settled",
  "rate": 1550.25,
  "fee": 0,
  "received": "1612.90",
  "settled_at": "2026-03-14T16:41:02Z"
}

FAQs

Answers before you apply

Which businesses can open an account?

Registered companies operating in our supported markets, including importers, marketplaces, payroll providers, and agencies paying contractors abroad. We do not currently onboard personal accounts or unregistered sole traders.

How is the exchange rate set?

We quote off the live interbank mid-market rate and show our margin as an explicit line on the quote. The rate is held for 30 seconds so the figure you approve is the figure that settles.

What does a payout cost?

A flat fee per payout that depends on the destination corridor, shown before you confirm. There are no monthly account fees, no minimum balance, and no charge to hold a currency.

How long do payouts take?

Major corridors settle the same working day, and several land in under two hours. Each quote shows the arrival window for that specific corridor before you commit.

Where are customer funds held?

In segregated accounts with regulated partner banks, held 1:1 against your balance. Your money is never lent out or used for our own operations.

Can we pay in bulk?

Yes. Upload a CSV or post a batch through the API to send up to ten thousand payouts at once, each with its own reference and status.

Open an account today

Apply in under ten minutes. Most businesses are verified within one working day and send their first payout the day after.

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