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surgepayBusiness

SurgePay Business

Get paid globally. Pay out locally.

Accept cards, bank transfers, mobile money and crypto in one checkout. Hold global accounts, convert USD to USDC, and pay out to 12 African countries and China, all through one API.

Request early accessBook a demo

Cards · One-time accounts · Mobile money · Crypto · Stablecoins

Kilimanjaro Coffee Co.

$120.00

Order #4821
4242 4242 4242 4242VISAMASTERCARDVERVE
09 / 28
•••

Local and international cards. 3-D Secure where the issuer asks for it.

Secured by SurgePay

4

ways to get paid

Cards, bank transfer, mobile money and crypto

13

payout countries

12 across Africa, plus China

5

currency accounts

USD, GBP, EUR, NGN, KES

24/7

settlement

on stablecoin rails, weekends included

Get started

From sign-up to getting paid, without the paperwork maze.

No setup fees, no monthly fees and no integration project to get your first accounts live.

  1. 1

    Create your account

    Tell us about your business in a few minutes. The sandbox and full API are open from day one.

  2. 2

    Get verified

    Upload your documents once. Most businesses are verified within two business days.

  3. 3

    Start collecting

    Share your account details, send an M-Pesa or MoMo request, or call the API. Funds land in your balance.

Accept payments

One checkout. Every way your customers pay.

Drop in the hosted checkout or build your own on the API. Whatever the customer pays with, it lands in one balance you can hold, convert or pay out.

  • Card payments

    Visa, Mastercard, Verve, American Express, local and international, with 3-D Secure and fraud checks built in.

    1.50% local · 3.90% + $0.30 international

  • One-time payment accounts

    Generate a bank account number for each order or customer. Payments match automatically, with no reference for anyone to get wrong.

    1.00%, capped at ₦2,000

  • Mobile money

    M-Pesa STK push and MoMo payment requests. The customer approves on their phone and you get a webhook.

    1.50%

  • Crypto checkout

    Accept BTC, ETH, SOL, USDC, USDT, BNB, TRX and more. Settle in USDC or your local currency, never in a coin you didn’t ask for.

    1.00%

See every fee

The problem

Cross-border payments shouldn’t need four providers.

Most businesses trading across Africa pay suppliers through a local bank, buy dollars from an OTC desk, run mobile money through an aggregator and reconcile it all in a spreadsheet. That’s four fee layers, four logins and four places for a payment to go missing.

Local bankWires take days and the FX is buried in the rate.
OTC deskDollars arranged over chat and settled on trust.
Mobile money aggregatorAnother contract, another webhook format.
SpreadsheetMonth-end means stitching all of it back together.

SurgePay Business

One platform. One ledger.

  • Every currency and wallet in one balance view
  • One quote with one fee line, locked before you pay
  • One API and one webhook format for every rail
  • One ledger your auditors can actually follow

What you can do

Built for how businesses actually move money.

Plug payments into your product, run supplier and payroll batches from the console, and put the cash you’re not using to work.

Hands typing on a laptop

Integrate once

One REST API for checkout, accounts, payouts, mobile money and stablecoins, with signed webhooks for every status change.

Read the API overview
Parcels moving along a warehouse conveyor

Pay suppliers anywhere

Bulk payouts to banks, mobile wallets and stablecoin addresses, with approvals and a receipt on every payment.

Supplier payments

Earn on idle balances

Operating cash you don’t need this week earns yield in USD or USDC, and moves back when you need it.

See what you could earn

Payouts

Pay the factory.
Pay the vendor.
Same app.

China and USA suppliers, paid from Lagos. Plus banks and mobile wallets in 12 African countries, all from your USD, USDC or naira balance, with a tracking link for every recipient.

  • ChinaCNY
  • United StatesUSD
  • United KingdomGBP
  • NigeriaNGN
  • KenyaKES
  • GhanaGHS
  • South AfricaZAR
  • UgandaUGX
  • TanzaniaTZS
  • RwandaRWF
  • ZambiaZMW
  • CameroonXAF
  • Côte d’IvoireXOF
  • SenegalXOF
  • BeninXOF

Mobile money infrastructure

Collect and pay out to mobile wallets with one integration.

Reach customers, agents and suppliers where they already keep their money. One API, one webhook format and one settlement balance across M-Pesa, MTN MoMo and Airtel Money.

mobileMoney.collect

const collection = await surgepay.mobileMoney.collect({
  provider: "mpesa",
  phone: "+254712345678",
  amount: "4500.00",
  currency: "KES",
  reference: "INV-20931",
});

// webhook → mobile_money.collection.succeeded
A person holding a smartphone

Collections

Send an M-Pesa STK push or a MoMo payment request. A webhook fires when the customer approves on their phone.

Payouts

Pay any mobile wallet in real time, one at a time or thousands in a batch.

Name lookup

See the registered wallet name before money leaves, so payouts reach the right person.

Settlement

Settle collections into a local balance, a USD account or straight into USDC.

Yield

Idle dollars should be earning.

Most businesses keep weeks of operating cash sitting still. Set aside USD or USDC you won’t need this week and it earns a variable rate that accrues every day. Move it back to your operating balance whenever you need it.

220,000USDC

10,000.00 USDC5,000,000.00 USDC
Per day · USDC
25.32
Per month · USDC
770.00
Per year · USDC
9,240.00
Earned since you opened this page0.0000 USDC

Illustrative 4.2% APY for this example only. Yield is variable, not guaranteed, and available to eligible businesses.

Accounts and wallets

Local accounts in five currencies. Wallets on eight networks.

Get paid like a local in the US, UK, Europe, Nigeria and Kenya, and hold USDC and USDT on the networks your partners already use. Convert between any of them at one quoted rate.

USD · US DollarRouting and account number for ACH and wire
GBP · British PoundSort code and account number for Faster Payments
EUR · EuroIBAN for SEPA and SEPA Instant
NGN · Nigerian NairaNUBAN for instant NIP transfers
KES · Kenyan ShillingM-Pesa Paybill and bank account

USDC and USDT wallets

  • Ethereum
  • Base
  • BNB Chain
  • Polygon
  • Arbitrum
  • Tron
  • Solana
  • Stellar

One 0x address receives on every EVM network.

Controls

Define policies. Enforced everywhere.

Set approval rules, spend limits and wallet allowlists once. They apply the same way to every payout, whether it starts in the console, a CSV batch or the API.

Try it: switch a policy off and watch what happens to this payout.

Payout under review

Shenzhen Parts Co.First payment · USDT on Tron24,500.00 USDT

Policies

  • 2 approvers over $5,000Applies
  • 1 approver on a first paymentApplies
  • Wallet payouts to allowlisted addresses onlyApplies
  • $150,000 daily limit across accountsApplies
BlockedThis Tron address isn’t on your allowlist. Add it, and it can be paid after the 24-hour cooling-off period.

Everything in one platform

Replace the stack, not just the bank.

Checkout, accounts, payouts, mobile money, stablecoins and controls share one ledger, so balances, approvals and reporting always agree.

  • Card payments

    Visa, Mastercard, Verve and Amex, local and international, in a hosted checkout or over the API.

  • One-time payment accounts

    A fresh bank account number per order or customer, matched automatically when the transfer lands.

  • Mobile money

    Collections, payouts and name lookup on M-Pesa, MTN MoMo and Airtel Money.

  • Crypto checkout

    Accept BTC, ETH, SOL, USDC, USDT and more. Settle in USDC or local currency.

  • Global accounts

    USD, GBP, EUR, NGN and KES account details in your company’s name.

  • USD ↔ USDC and FX

    Mint and redeem stablecoins and convert between currencies at one quoted rate.

  • Payouts to Africa and China

    Banks and mobile wallets in 12 African countries, plus CNY bank transfers to China.

  • Stablecoin wallets

    USDC and USDT on EVM chains, Tron, Solana and Stellar.

  • Yield

    Idle USD and USDC earn a variable rate that accrues daily.

  • Approvals and limits

    Maker–checker policies, spend limits and wallet allowlists.

  • Workflows

    Scheduled sweeps, auto-conversion and recurring payout batches.

  • Developer API

    REST, webhooks and SDKs for Node.js, Python and Go.

AI and agentic payments · Coming soon

Payments your AI agents can make, safely.

AI drafts, explains and flags. Your approval policies decide what actually moves, the same way they do for your team.

  • Agent wallets

    Give an AI agent its own wallet with per-payment caps, daily limits and an allowlist of recipients and countries.

    Let agents pay without handing over the company card

  • Agentic checkout

    Accept payments from customers’ AI assistants, and charge agents per API call in USDC over HTTP 402.

    Sell to agents, not just people

  • MCP server

    Connect Claude, Cursor and other AI tools to SurgePay to check balances, get quotes and draft payouts.

    Run finance tasks from the tools your team already uses

  • Ask your money

    “How much did we pay Kenyan suppliers in September?” Answers straight from your ledger.

    Answers in seconds, not spreadsheet exports

  • Draft payout batches

    “Pay October invoices to Lagos and Shenzhen from USDC” becomes a batch ready for your approvers.

    Hours of payout prep become minutes

  • Invoice reading and matching

    Pull amounts and bank details from supplier invoices, and match every deposit to its order.

    No retyping, faster month-end

  • Payout fraud checks

    Flags unusual amounts, new recipients and changed bank details before money leaves.

    Stop the costliest mistakes early

  • Conversion timing

    Suggests when to convert USD to naira or shillings based on the payouts you have coming up.

    Lower FX cost without a treasury team

On our roadmap and not yet available. Request access to join the early program.

How a payout moves

Dollars in. Naira out. Four minutes.

Pay a supplier in Lagos from your USDC treasury. We quote once, convert at the rate you saw, and deliver over Nigeria’s instant payment rails.

  1. 01Quote — 1 USDC = ₦1,548.2, locked for 30 seconds
  2. 02Approve — Over $5,000.00, so two approvers sign from web or mobile
  3. 03Convert — 12,400.00 USDC → ₦19,128,165.82 after $44.90 in fees
  4. 04Deliver — Credited to Lagos Freight Partners via local transfer

Solutions

Built for finance teams with suppliers, staff and customers in more than one country.

Payroll

Pay teams in Nigeria and Kenya on time, every time.

Learn more

Supplier payments

Pay suppliers in Lagos, London and Shenzhen from one balance.

Learn more

Marketplaces

Collect globally and pay out sellers locally through the API.

Learn more

Treasury

Earn on idle USD and USDC, and convert only when you need to.

Learn more

Developers

One integration for every rail.

Banks, mobile money and stablecoins behind the same predictable REST resources. Idempotent writes, signed webhooks and a sandbox that behaves like production.

  • SDKs for Node.js, Python and Go
  • Idempotency keys on every write
  • Signed webhooks for every status change
  • Pre-funded sandbox with test rails
Read the API overview
import SurgePay from "@surgepay/node";

const surgepay = new SurgePay(process.env.SURGEPAY_SECRET_KEY);

const quote = await surgepay.quotes.create({ from: "USDC", to: "NGN", amount: "12400.00" });
const payout = await surgepay.payouts.create(
  { quote: quote.id, source: "wal_usdc_base", counterparty: "cp_lagos_freight" },
  { idempotencyKey: "po-2026-1184" },
);

Security

Built to the standard your auditors expect.

Segregated funds

Client money is held separately from SurgePay’s own funds with licensed partner institutions.

Maker–checker approvals

Nobody approves their own payout. Thresholds and approver counts are yours to set.

Passkeys and 2FA

Phishing-resistant sign-in, with a second factor required on every approval.

Complete audit trail

Every quote, approval and status change is timestamped and exportable.

FAQ

Questions finance teams ask us.

Something else? Book a demo and we’ll walk you through it.

Move money with confidence.

SurgePay Business is opening to companies in waves. Request access and we’ll set up your accounts as soon as your spot opens.

Request early accessBook a demo