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Z9Pay

Cross-border payments for African trade

Pay the worldfrom Africa.

Pay suppliers abroad, swap USDT to naira, spend in dollars. Rate and fee shown upfront.

Get the appTalk to sales
Demo rates
NGN

Supplier receives

0.00
Our fee (0.5%, min ₦2,500)
We convert
Rate
Arrives

Paid by Local bank account or Alipay business.

Getting rate…
Send with Z9PayAbove ₦50m? OTC desk

Illustrative rates for design purposes only. Not a live quote or an offer.

Regulated services run through licensed partners. See who they are

Processed to date
₦[—]bn
Businesses paying abroad
[—]
Currencies live
USD · CNY
Support
Mon–Sat, 8am–8pm

01International payments

Pay your supplier in China today.

Yuan to Chinese banks, dollars to US accounts, straight from your naira balance.

LOS · Lagos6.5°N 3.4°ECHN · China29.3°N 120.1°E

Payment to

Huameng Lighting Co., Ltd.

China · Bank of China ···· 6620

In progress

Supplier receives

¥148,500.00

Against INV-0412

You paid

₦32,057,289

Incl. ₦159,489 fee

  1. Quote locked

    ¥1 = ₦214.80 for 30 seconds

    09:12 WAT

  2. Naira received

    From Access Bank ···· 0193

    09:14 WAT

  3. Converted to CNY

    By our licensed FX partner

    09:20 WAT

  4. Sent to supplier’s bank

    Local CNY transfer, full amount

    11:05 WAT

  5. Received by supplier

    Huameng confirms in WeChat

    16:02 CST

Step 2 of 5: Naira received

Example payment · fictional supplierRef Z9-CN-88213
Rate
Locked for 30 seconds. What you see is what you pay.
Amount
Supplier gets the full amount. Our fee is charged separately.
Proof
A receipt with the bank reference, the moment it lands.
How it works

02Crypto swap

Turn USDT into naira. Simply.

See the rate and fee before you confirm. Today: 1 USDT = ₦1,512.40.

Start a swapView swap rates

How it works

  1. 01

    Send USDT

    To your deposit address on TRC-20, BEP-20, ERC-20.

  2. 02

    Confirm the swap

    See the rate and fee, then confirm. No re-quote.

  3. 03

    Receive naira

    Paid to your bank, usually in under 10 minutes.

Recent on this cardExample
  • Meta Ads · Ad account top-up$250.00
  • Shopify · Basic plan$39.00
  • Netflix · Standard, monthly$15.49

03Virtual cards

A dollar card that works where your naira card stops.

Subscriptions, ads and online stores, funded from naira.

Ready in
2 minutes
Cards per account
Up to 3
Virtual cards

04Everyday payments

Bills, in seconds.

All bills

Get started

Pay your first supplier this week.

Sign up with your BVN and ID. Most accounts are verified same day.

Download for iPhoneDownload for Android

Store links go live at launch.

Paying more than ₦50m a month?

Get a named dealer and same‑day settlement.

Talk to sales