Platform
Accept, hold, convert and pay out on one ledger.
SurgePay Business replaces a patchwork of card processors, local banks, crypto gateways and payout partners with one console and one API.
Inflows
Get paid like a local, everywhere you sell.
Card payments, one-time bank accounts, mobile money and crypto checkout, plus named USD, GBP, EUR, NGN and KES accounts and USDC and USDT wallets.
- Card payments: local and international Visa, Mastercard, Verve and Amex
- One-time bank accounts per order or customer, reconciled automatically
- Crypto checkout for BTC, ETH, SOL, USDC, USDT and more
- USD account details for ACH and wire, in your business’s name
- GBP sort code and account number for Faster Payments
- EUR IBAN for SEPA and SEPA Instant
- NGN account (NUBAN) for local transfers
- KES Paybill for M-Pesa and bank transfers
- Dedicated USDC and USDT deposit addresses per network
- Auto-convert incoming funds with a workflow
- Cards
- Visa · Mastercard · Verve · Amex
- One-time accounts
- NGN bank transfer
- Crypto checkout
- BTC · ETH · SOL · USDC · USDT
- USD
- ACH · Wire
- GBP
- Faster Payments
- EUR
- SEPA · SEPA Instant
- NGN
- NIP local transfer
- KES
- M-Pesa · PesaLink
- Mobile money
- M-Pesa · MTN MoMo · Airtel Money
- USDC · USDT
- EVM chains · Tron · Solana · Stellar
Controls
Every payout follows your rules.
Multi-approver policies, spend limits, allowlists and a full audit trail, enforced the same way in the console and the API.
- Approval policies by amount, destination and payment type
- Maker–checker: creators can’t approve their own payouts
- Daily and monthly spend limits per account
- Wallet allowlists with a 24-hour cooling-off period
- Roles for Owners, Finance Admins, Approvers, Developers and Viewers
- Exportable audit log of every action
- Large payouts
- 2 approvers over $5,000
- New counterparties
- 1 approver on first payment
- External wallets
- 2 approvers over $10,000
- Daily limit
- $150,000 across accounts
Outflows
Pay suppliers, staff and partners across Africa and China.
Banks and mobile wallets in 12 African countries, CNY transfers to China, Faster Payments, SEPA, ACH and wire, or straight to a wallet. One quote, one fee line.
- Single and bulk payouts from any balance
- Bank accounts, mobile money wallets and stablecoin addresses
- Name verification before first payment where supported
- Firm quotes honoured for 30 seconds
- Status tracking from creation to delivery
- Downloadable receipts for every payment
- Nigeria · NGN
- Bank transfer (NIP)
- Kenya · KES
- M-Pesa · Airtel Money · Bank
- Ghana · GHS
- MTN MoMo · Telecel Cash · Bank
- South Africa · ZAR
- Bank transfer (EFT)
- Uganda · UGX
- MTN MoMo · Airtel Money
- Tanzania · TZS
- M-Pesa · Airtel Money · Tigo Pesa
- Rwanda · RWF
- MTN MoMo · Airtel Money
- Zambia · ZMW
- MTN MoMo · Airtel Money
- Cameroon · XAF
- MTN MoMo · Orange Money
- Côte d’Ivoire · XOF
- Orange Money · MTN MoMo · Wave
- Senegal · XOF
- Orange Money · Wave
- Benin · XOF
- MTN MoMo · Moov Money
- China · CNY
- Bank transfer (CNAPS)
- Eurozone
- SEPA · SEPA Instant
- United Kingdom
- Faster Payments
- United States
- ACH · Wire
- Stablecoins
- USDC · USDT, under a minute
Workflows
Automate the moves you make every week.
Sweep idle balances, auto-convert collections, and run payroll on a schedule, all inside the guardrails you set.
- Scheduled sweeps between wallets and accounts
- Auto-convert deposits above a threshold
- Recurring payroll and supplier batches
- Low-balance alerts by email and webhook
- Every run goes through your approval policies
- Run history with links to each transaction
- Triggers
- Schedule · Deposit · Balance
- Actions
- Convert · Sweep · Pay batch · Notify
- Approvals
- Inherited from Controls
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.