Raiz Payouts

Pay anyone across Africa. Like you're local.

One API. Multiple markets. Local delivery.

Send payments to customers, sellers, employees, contractors and suppliers across African markets through one integration. Payments arrive in local currency through local payment methods in seconds.

Talk to our team Explore coverage

Woman in a Lagos market receiving a payout on her phone

Payout delivered

Ada O. · Bank account · Lagos

₦250,000

Delivered

Driver earnings

Mobile money · Nairobi

KES 8,400

Delivered

⇉ Batch · 1,240 payouts

Payroll · NG · GH · KE · ZA

98%

98% sent

Multiple: markets
Multiple: currencies
Local: payout rails
One: integration

Why Raiz Payouts

Cross-border payouts shouldn't feel cross-border.

You send one instruction. Your recipient gets paid locally.

Sending money into African markets can mean working with different banks, FX providers, mobile money operators and payout partners in every country.

That creates delays, failed payments and fragmented reconciliation.

Raiz Payout gives your business one infrastructure layer for local payouts across supported African markets where others fail.

The old way

Different providers for every market.

!Another provider, contract and process, every time.

Every new country means another provider, contract, integration and operational process.

NGN

Nigeria

Bank / PSP

FX provider

Local transfer

Recipient

GHS

Ghana

Different provider

Different currency

Different API

KES

Kenya

Another provider

Mobile money integration

Separate reconciliation

With Raiz

One payout infrastructure layer.

One API. One operational view. One reconciliation layer.

Your PlatformRAIZ PAYOUTS

NigeriaGhanaKenyaSouth Africa+ More

Bank Accounts

Mobile Money

Wallets

Supported Local Rails

Your recipients get paid locally.

Explore our API

How it works

Fund once. Pay across multiple markets.

Your business shouldn't need to hold operating balances with a different payout provider in every country. Raiz brings funding, FX and payout delivery together.

You fund Raiz

Fund your balance using supported currencies and payment rails.

USDGBPEURNGNStablecoin settlement where available

Raiz converts

Convert into the recipient's local currency through supported FX infrastructure.

Raiz routes

The payout is routed through available local banking and payment infrastructure.

They receive

Your customer, employee, seller or supplier receives funds through their local payment method.

NGNGHSKESZARXOFXAFRMB+ supported currencies

With Raiz, the currency your customer pays in and the currency you settle in no longer have to be the same.

Talk to our team

Payout methods

Send payouts the way your recipients receive money.

Different markets have different financial infrastructure. Raiz lets you reach recipients through the methods they already use.

Payout · PAYOUT-28491

Bank account

₦250,000.00

Beneficiary: Ada Okafor
Account: 0123456789 · 058
Amount: ₦250,000.00
Purpose: Marketplace settlement

✓ Beneficiary validated · Delivered

Pay directly into local bank accounts.

Send payments to individual or business bank accounts through supported domestic banking rails.

EmployeesSuppliersMerchantsContractorsCustomer withdrawals

Explore Bank Payouts

Scale

From one payout to thousands.

Raiz is built for both individual transactions and high-volume payout operations.

Single Payouts

Send one payment directly from your dashboard or through the API.

Batch Payouts

Upload or submit multiple payout instructions and process them together.

API Payouts

Trigger payouts directly from your application, ledger, marketplace or payroll system.

POST /payouts

Scheduled Payouts

Build payout workflows around your own settlement and operational schedules.

MonFri 09:00Sun

Automated Payouts

Use events in your platform to trigger payments without manual intervention.

payout.completedpayout

Payout lifecycle

Built for payouts that actually arrive.

Recipient validation

Catch errors before money moves.

Validate supported beneficiary details before initiating a payout to reduce avoidable failures.

Account: 0123456789
Bank: 058
Name match: Ada Okafor

Real-time status

Follow every payment from initiation to completion.

Or immediately identify:

1Created
2Processing
3Sent
✓Delivered

09:41:02 payout.created PAYOUT-28491

09:41:03 payout.processing route: domestic bank rail

09:41:05 payout.sent

09:41:09 payout.delivered ₦250,000 → Ada Okafor

Intelligent routing

More resilience. Less dependency on a single provider.

Raiz can connect to multiple underlying payout providers and financial rails. Where supported, transactions can be routed through available infrastructure based on market, payment method and service availability.

Raiz

Rail ARail B ✓Rail C

Automated reconciliation

Every payout has a clear trail.

Every payout has a clear reference, beneficiary, amount, currency and status. Connect payouts back to:

EmployeesOrdersSuppliersInvoicesSeller balancesCustomer wallets

Webhooks

Your system knows the moment status changes.

Your system receives status updates automatically so downstream workflows can respond without manual checking.

POST https://your-app.com/webhooks/raiz
{ "event": "payout.delivered",
  "reference": "PAYOUT-28491",
  "amount": 250000,
  "currency": "NGN" }

Use cases

Built for the way your business pays.

Platforms & Marketplaces

Pay every side of your marketplace.

Whether your platform has 100 sellers or 100,000, Raiz gives you one payout layer for sending funds across supported African markets. Use Raiz Payins and Payouts together to create a complete marketplace payment flow.

Buyer paysPlatform processes transactionRaizSeller receives local currency

Raiz for Platforms

Payroll & EOR

Pay distributed teams across Africa.

Pay employees, contractors and freelancers in their local currencies without maintaining separate payout integrations country by country. Fund centrally. Upload payroll. Let Raiz handle supported local payout delivery.

USD / GBP / EURRAIZ

NGN / GHS / KES / ZAR / + More

Raiz for Payroll & EOR

Gig, Mobility & Logistics

Earnings should move as fast as the work.

Let drivers, couriers, agents and service providers receive earnings through supported local payout methods. Trigger payouts:

On demandDailyWeeklyAfter completed jobs

Raiz for Mobility

Fintech & Remittance

Embed payouts into your product.

Use Raiz infrastructure to power wallet withdrawals, remittances, merchant settlements, customer disbursements, refunds and business payments. Your customers stay inside your experience. Raiz powers the payment infrastructure underneath.

Raiz for Fintechs

Creator & Digital Platforms

Pay creators wherever your platform grows.

Your creator marketplace shouldn't be limited to the countries supported by your first payout provider. Use Raiz to send earnings to creators and digital workers across supported African markets.

Explore Platform Payouts

B2B Trade

Pay suppliers across borders.

Move funds between Africa and global trade destinations through supported settlement rails. Support supplier payments, procurement, international invoices and trade transactions through one operational layer.

AfricaRAIZUnited StatesUnited KingdomEuropeChina+ More

Explore Trade Payments

Resilience

Your payout infrastructure shouldn't depend on one provider.

Financial infrastructure fails.

Banks go offline.
Payment processors experience downtime.
Individual rails have limits.

Raiz is being built as an orchestration layer that can connect multiple providers behind a single integration.

Your business

Raiz API

Bank rail

Routing

PSP rail

Offline

Mobile money

Available

Global rail

Available

Alternative rail

Available

Recipient

Illustrative: when one rail is unavailable, supported payouts can move through another.

Developers

One API for African payouts.

Add local payouts to your product without rebuilding your payment infrastructure market by market.

payouts.ts

const payout = await raiz.payouts.create({
  amount: 250000,
  currency: "NGN",
  reference: "PAYOUT-28491",
  beneficiary: {
    name: "Ada Okafor",
    type: "bank_account",
    account_number: "0123456789",
    bank_code: "058"
  },
  metadata: {
    user_id: "seller_1824",
    purpose: "Marketplace settlement"
  }
});

REST API

Initiate and manage payouts programmatically.

Webhooks

Receive automatic payout status changes.

Beneficiary Validation

Validate supported recipient details before sending funds.

Idempotency

Safely retry payout requests without creating duplicate transactions.

Sandbox

Build and test your payout workflows before going live.

Unified Reporting

See payout activity across supported markets and underlying rails from one place.

Read the documentation Get API access

Dashboard

One dashboard for every payout.

Your operations team shouldn't need developer tools to understand where money is. From the Raiz dashboard, teams can:

Create payouts
Upload batch payments
Review beneficiaries
Track transaction status
Search by reference
Export reports
Review failed payments
Monitor settlement balances
Reconcile transactions

dashboard.raizfinance.com / payouts

+ New payoutUpload batchExportSearch reference…

USD balance

$48,210.55

Sent today

1,284

Needs review

Reference	Beneficiary	Amount	Status
PAYOUT-28491	Ada Okafor	₦250,000	Delivered
PAYOUT-28492	Kofi Mensah	GH₵ 4,200	Sent
PAYOUT-28493	Wanjiru K.	KES 8,400	Processing
PAYOUT-28494	Thabo N.	R 3,150	Requires action
BATCH-0192	Payroll · 1,240	$212,400	98% delivered

Coverage

Africa is local. Your payout infrastructure should be too.

Use one Raiz integration to reach recipients through supported local payment infrastructure.

NGN

Nigeria

Pay supported Nigerian bank accounts in NGN.

GHS

Ghana

Send local payouts through supported Ghanaian payment rails.

KES

Kenya

Reach supported bank and mobile money recipients.

ZAR

South Africa

Send payouts through supported local financial infrastructure.

XOF · XAF

Francophone Africa

Access supported local payout infrastructure across expanding West and Central African markets.

More markets

Add additional markets through the same Raiz integration as coverage expands.

Explore all coverage

The Raiz platform

One infrastructure layer from collection to payout.

Your money doesn't need to leave the Raiz ecosystem between every transaction.

Payins

Collect from your customers.

Global Accounts

Receive and manage business funds.

FX

Convert between supported currencies.

Payouts

Pay customers, employees, merchants and suppliers.

Settlement

Manage where your remaining funds go.

Why businesses choose Raiz

Talk to our team

One integration

Access multiple supported payout markets without maintaining separate provider integrations.

Local delivery

Pay recipients through supported payment infrastructure in their own market.

Centralized funding

Fund payout operations without maintaining a fragmented treasury setup across every country.

Multi-currency FX

Connect global funding currencies with local payout currencies.

Multiple payout rails

Build greater resilience through an infrastructure layer designed to support multiple underlying providers.

Unified reconciliation

Track payout instructions, beneficiaries, references and payment statuses in one system.

API + Dashboard

Automate payouts while giving operations teams direct visibility and control.

Built around Africa

Payment infrastructure designed around how African businesses and consumers actually receive money.

Built from real payment flows

We know what happens after you click “send.”

Nigerian bank transfersInternational supplier settlementsUS wiresChina payments

We're building the infrastructure we wished existed from the beginning.

A payout is only successful when the right recipient receives the right amount through a payment method they can actually use.

Raiz has been built while moving money across real trade, consumer and business payment corridors, from Nigerian bank transfers and international supplier settlements to US wires and China payments. We've seen what happens when businesses rely on disconnected banks, FX providers and payout partners.

Business partners reviewing shipments at an African port

Get started

Your business is global. Your recipients should get paid like they're local.

Fund globally. Deliver locally.

Send payouts to customers, sellers, employees and suppliers across supported African markets through one Raiz integration.

Talk to our team Explore the API

01Fund once.
02Convert.
03Route.
04Deliver locally.

FAQ

Frequently asked questions

Need details for a specific corridor, payout method or volume? Our team can help.

Talk to our team

Raiz Payouts allows businesses to send funds to customers, sellers, employees, contractors, suppliers and other recipients through supported payment methods across African and international markets.

Businesses can initiate payouts through the Raiz API, dashboard and other supported workflows.

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A monthly briefing on payments, trade and financial infrastructure across Africa.