Cross-border payments, without the surprises.
Kenya, Uganda, South Sudan — and USD to anyone, anywhere.
See the FX rate, the spread and the fee up front. Send in the currency your recipient can receive, and let them claim by phone if they aren't on Apay yet.
Exchange Currency
You send
125,000
🇸🇸 SSPYou get
98.45
🇺🇸 USDUSD
1,270
KES
9.8
UGX
0.34
Everything a good cross-border transfer should be.
Send in seconds
Push money to another Apay user or to a phone number that isn't on Apay yet.
Convert before you send
Swap into the destination currency and see the exact amount that will arrive.
Transparent FX
Reference rate, Apay rate, spread and transfer fee — shown before you confirm.
Receive-side rules
Recipients only receive currencies their country supports — no stuck money.
Send to a phone number
If they aren't on Apay yet, we hold the funds in escrow and invite them to claim.
90-second rate lock
Every quote is protected from market swings for a full 90 seconds.
How a send works
Pick a recipient
Choose an Apay user or enter a phone number. Confirm their country.
Preview the quote
See the FX rate, spread, transfer fee and total in destination currency.
Rate locked
You have 90 seconds to confirm before the quote refreshes.
Recipient is notified
They get the money — or an SMS invitation if they aren't on Apay yet.
Why Apay for cross-border
Corridors that actually run
KES↔SSP, UGX↔SSP and USD-to-anyone. We prioritise the corridors real families and businesses use every day.
You're always in control
Nothing moves without your confirmation. Every send shows the destination amount, rate and fee.
No stuck payments
If a recipient's country doesn't support the currency you tried to send, Apay proposes a currency that does.
Cross-border — common questions
Move money across borders with confidence.
One quote. One confirmation. One arrival amount. That's how a transfer should feel.