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Raiz Invoicing

Invoice globally. Get paid locally.

One invoice. Multiple ways to pay. Settlement on your terms.

Reduce the time spent issuing, tracking, collecting and reconciling invoices across markets. Your customer pays in their local currency. Raiz handles collection, conversion, reconciliation and settlement.

Create an invoiceTalk to our team
A business owner reviewing an invoice payment

Invoice INV-48291 · Viewed

$25,000.00

Billed to · CLIENT-284 · LagosDue in 14 days
Pay withSettles in USD

$25,000.00

NGN Bank transferNGN Virtual accountCard · Local & intl.✓ Auto-reconciled

Built for global receivables

USD invoicesGBP invoicesEUR invoices
Invoice globally
USD · GBP · EUR · local
Collect locally
Bank · mobile money · cards
Auto-reconcile
every payment to its invoice
Settle your way
Global, local or stablecoin
Why Raiz Invoicing

Your customer shouldn't need

your currency to pay you.

You may price in USD. Your customer may only hold NGN. You may invoice in EUR. Your customer may operate in GHS. Your business may want USDC.

Those shouldn't be separate problems. Do business globally without asking every customer to solve FX themselves.

One receivables workflow across currencies and markets.

You invoice

USD · GBP · EUR · local

Customer pays

NGN · GHS · KES · ZAR · XOF

You receive

USD · GBP · EUR · USDC

Raiz connects them

collect · reconcile · FX

Currencies

Invoice in one. Get paid in another.

Your customer sees the amount owed in a familiar business currency. Raiz handles the payment options underneath.

01

YOU INVOICE

Create invoices in global and local currencies.

Professional invoices denominated in supported currencies. More invoice currencies as Raiz expands coverage.

USDGBPEURXOF · KES · XAF · NGN

02

THEY PAY

Let customers pay using the currency they already have.

No domiciliary account, no sourcing foreign currency, no international wire. The payer sees the local equivalent and available payment options.

NGNGHSKESZARXOFXAF

03

YOU RECEIVE

Receive value in the currency your business needs.

Your settlement currency doesn't need to match the payer's. Align receivables with how you actually manage treasury.

USDGBPEURLocalUSDC +
Stablecoin settlement

Stablecoin settlement when your business needs it.

For eligible businesses and supported flows, Raiz can connect local customer payments with supported stablecoin settlement — useful for businesses that prefer digital-dollar settlement as part of their treasury workflow.

Availability depends on market, product setup and compliance requirements.

Customer paysNGN
RaizCollect + FX
You receiveUSDC
Payment methods

Give customers multiple ways to pay.

Different customers prefer different payment methods. Raiz can make supported payment options available based on the payer's market.

Bank transfer

Customers pay from their local bank account to a dedicated account number.

Virtual account

A unique virtual account per invoice, so every payment is matched automatically.

Mobile money

Collect through supported mobile money wallets where available.

Cards

Local and international cards for customers who prefer to pay by card.

Traditional invoicing

Your customer has to do the work.

Traditional cross-border invoicing puts the burden on the payer. That friction can delay payment — or cost you the sale entirely.

01

Find the funds

Find USD
↓Source FX

02

Make the payment

Open or fund a foreign-currency account
↓Pay international wire fees

03

Wait it out

Enter bank details
↓Wait for settlement

With Raiz

Customers pay locally.

You invoice $20,000 USD. Your customer pays the local equivalent. Raiz collects, converts and settles.

You invoice $20,000 USD↓Raiz Invoicing↓
Bank transferMobile moneyCardsVirtual accounts+ Local rails
↓
USDGBPEURUSDC
Talk to our team
Invoice lifecycle

One invoice from creation to settlement.

Raiz helps your team manage the full receivables lifecycle.

  1. 01

    Draft

    Add the customer, currency, items and payment terms.

  2. 02

    Sent

    Send the customer a secure payment link.

  3. 03

    Viewed

    Know when the invoice has been opened, where supported.

  4. 04

    Payment initiated

    The customer selects an available payment method.

  5. 05

    Paid

    Raiz confirms the customer payment.

  6. 06

    Converted

    FX is applied where required.

  7. ✓

    Settled

    You receive the supported settlement currency.

Know the status of every invoice.

Your operations and finance teams should always know what is outstanding and what has already been collected.

DraftSentViewedPartially PaidPaidOverdueCanceledSettled

One workflow from invoice to value received.

Automatic reconciliation

Stop manually matching bank transfers to invoices.

Raiz can connect incoming payments to the invoice and customer they belong to — one receivables record from invoice through settlement.

Receivables recordINV-48291
Invoice number
INV-48291
Customer
CLIENT-284
Payment reference
RZ-7Q2K9
Payment method
Bank transfer
Invoice currency
USD
Payment currency
NGN
Settlement currency
USD
FX
Applied
Amount paid
$25,000.00
Payment status
Paid
Settlement status
Settled
Purchase order
PO-8821

SEND VIA

EmailWhatsAppSMSYour own applicationYour CRMYour accounting workflow
pay.raizfinance.com/i/INV-48291
Payment links

Send payment links anywhere.

Your customer opens the link, reviews the invoice, chooses an available payment method, and pays.

No separate account required for the payer unless the payment method or transaction requires it.

Built for B2B payments

Not limited by industry or size — so don't hesitate to contact us.

Raiz Invoicing is designed for businesses that need more than a consumer checkout.

Professional Services

Invoice clients for consulting, legal, engineering, design, technology or other services.

SaaS & Digital Services

Bill business customers while letting them pay through local methods.

Freight & Logistics

Invoice importers, exporters and enterprise customers across currencies.

Procurement

Collect buyer funds before settling approved suppliers.

B2B Trade

Bill distributors, merchants and commercial buyers across borders.

Agencies

Invoice international and African clients without difficult wire-payment workflows.

Education & Training

Collect eligible tuition, program or business-training payments where supported.

Platforms

Give businesses on your platform invoice-based collection capabilities.

Built for trade

International trade frequently begins with an invoice.

A supplier issues an invoice. The buyer needs to pay in another currency. FX has to happen somewhere. Settlement needs to be tracked. Raiz connects those steps.

Explore B2B Trade →
  1. 1Supplier invoicesInvoice buyers globally.
  2. 2Local collectionBuyers use supported local payment methods.
  3. 3FXConvert between supported currencies.
  4. 4SettlementReceive value where your business operates.
  5. 5ReconciliationKeep the transaction connected to the payment.
Built for procurement

Collect buyer funds before paying suppliers.

One infrastructure layer can connect accounts receivable with accounts payable.

Explore Procurement →
  1. 1Buyer
  2. 2Raiz Invoice
  3. 3Pays locally
  4. 4RAIZ Collect → Convert → Reconcile
  5. 5Supplier payment
Built for freight and logistics

Quote in USD. Let customers pay locally.

A freight company may invoice in USD while customers operate in local currency. Raiz connects customer receivables with the wider financial workflow behind the shipment.

Explore Freight & Logistics →
  1. 1Issue the invoice
  2. 2Collect locally
  3. 3Track payment
  4. 4Convert funds
  5. 5Settle globally
  6. 6Pay carriers or agents
Built for platforms

Embed invoice-based payments into your product.

For example, your platform could allow a business user to create an invoice, send it to a customer, and settle or pay onward. Your user sees your platform. Raiz powers the infrastructure underneath.

Explore Platforms →
  1. 1Create an invoice
  2. 2Send it to a customer
  3. 3Customer picks a local method
  4. 4Confirmation via webhooks
  5. 5Update balance or status
  6. 6Settle or pay onward
Coverage

Collect from multiple markets through one workflow.

You shouldn't need a different invoicing system for every country. Raiz gives you a consistent collection experience while payment methods adapt to each supported market.

+ Francophone Africa & global payers

Support eligible XOF and XAF payment flows as coverage expands, and add funding and settlement methods for global payers.

Explore all coverage
More than invoicing software

Invoice in one currency. Pay in another. Settle in a third.

This is where Raiz becomes more than invoicing software. The three currencies don't need to be the same — Raiz handles the supported financial infrastructure between them.

InvoiceCustomer paysYou receive
USD→ NGN→ USD
EUR→ GHS→ EUR
GBP→ KES→ USDC
USD→ ZAR→ GBP
EUR→ XOF→ USD
KES→ XOF→ USD
NGN→ ZAR→ USD / NGN
Developers

One API for invoicing and collections.

Embed invoicing directly into your business software or platform.

invoices.ts
const invoice = await raiz.invoices.create({
  amount: 25000,
  currency: "USD",
  reference: "INV-48291",
  customer: {
    id: "cus_1824",
    country: "NG"
  },
  settlement: {
    currency: "USD"
  },
  metadata: {
    purchase_order: "PO-8821",
    customer_reference: "CLIENT-284"
  }
});
webhook invoice.paid · INV-48291 · settled USD

  • Invoice API

    Create and manage invoices programmatically.

  • Payment links

    Generate secure customer payment experiences.

  • FX

    Convert between payment and settlement currencies.

  • Webhooks

    Receive invoice and payment events automatically.

  • Metadata

    Connect invoices to customers, POs, projects or internal records.

Read the docsGet API access
For finance teams

Built for finance teams. Connected to the business.

Your developers can automate through the API. Your finance team can operate through the dashboard.

Dashboard

Your finance team can:

  • Create invoices
  • Send payment links
  • Track outstanding invoices
  • Review payments
  • Monitor overdue invoices
  • Search customer history
  • Export transaction data
  • Review settlement
  • Reconcile receivables
Invoice context

Keep invoice and payment data connected.

Each invoice can maintain the context your organization needs — so the payment record stays connected to the business activity that created it.

Purchase OrderProjectDepartmentCost CenterCustomer IDContractShipmentOrderInternal Notes
The Raiz platform

The full Raiz stack behind every invoice.

One infrastructure layer from invoice to settlement.

Invoicing

Issue invoices and accept supported payment methods.

Payins

Connect customers to domestic payment rails.

FX & Settlement

Move value from payment currency to settlement currency.

Global Accounts

Receive and manage supported business currencies.

Payouts

Pay suppliers, employees and beneficiaries after collection.

Trade Payments

Connect collected funds with eligible international supplier payments.

Why businesses use Raiz Invoicing

Talk to our team

01

Global invoice currencies

Bill customers in supported currencies such as USD, GBP and EUR.

02

Local customer payments

Let buyers use familiar payment methods and currencies.

03

Flexible settlement

Receive value in the supported currency your business needs.

04

FX built in

Connect invoice currency, payment currency and settlement currency.

05

Stablecoin settlement

Access supported digital settlement options where eligible.

06

Automatic reconciliation

Connect every payment directly to its invoice.

07

Payment visibility

Know what is sent, paid, overdue, converted and settled.

08

API + dashboard

Automate invoicing or manage it operationally.

09

Built for cross-border business

Turn international receivables into a simpler local payment experience.

Your customer wants to pay you

Raiz Invoicing

“Don't make the currency the problem.”

Where to source USD? Which bank details? Did the payment arrive? Raiz Invoicing puts that complexity behind the invoice. You send the bill. Your customer pays locally.

Create an invoice
FAQ

Frequently asked questions

Need a specific invoice, payment or settlement corridor? Our team can confirm what's supported.

Talk to our team

Raiz Invoicing allows eligible businesses to create invoices in supported global currencies, accept payment through available local methods, and receive settlement in a supported currency.

Availability depends on market, product setup and compliance requirements.

Raiz can support invoicing in currencies such as USD, GBP and EUR. Additional currencies may become available as the product expands.

Get started

Invoice in the currency you want. Get paid in the currency you need.

One invoice. Local payment. Settlement on your terms.

Create global invoices, let customers pay through supported local methods, and manage FX, reconciliation and settlement through Raiz.

Create an invoiceTalk to our team

01

You choose how to invoice.

02

Customer chooses how to pay.

03

You choose how to receive.

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