ZAR, USD, GBP, EUR, KES, NGN, GHS and more — with live exchange rates applied automatically at the time of every transaction. Multi-currency payments built for how African businesses actually operate across borders.
From invoicing international clients to paying African suppliers — Mutual Africa Pay handles every currency, every rate, and every conversion automatically.
Send and receive payments across ZAR, USD, GBP, EUR, KES, NGN, GHS, BWP, ZMW, TZS, UGX, and more. Every supported currency is available for invoicing, expense recording, and payment collection — across all 54 African countries.
Exchange rates sourced live at the time of every transaction. No manual rate lookups, no outdated rates applied to invoices — the correct rate is used automatically the moment a transaction is processed.
Invoice any client in their preferred currency regardless of your base currency. A South African business can invoice Kenyan clients in KES, Nigerian clients in NGN, and UK clients in GBP — each invoice in the correct currency with the correct rate applied.
All revenue and expenses across currencies are consolidated into your reporting currency using live rates — giving you a single, accurate view of total business performance regardless of how many currencies your business operates across.
Control how and when foreign currency receipts are settled. Configure settlement preferences per currency, per client, or per transaction type — giving finance teams the control needed to manage currency exposure in multi-currency business environments.
Every multi-currency transaction is reconciled automatically — matched to the correct invoice, converted at the live rate, and posted to the correct currency account in your books. No manual FX reconciliation required at month-end.
Multi-currency transactions in Mutual Africa Pay require no additional steps compared to single-currency transactions. The currency handling happens automatically behind the scenes — rates are applied, conversions are recorded, and books are updated without any manual intervention.
Select the client's currency when raising the invoice. Mutual Africa Pay applies the live exchange rate and generates the invoice in the correct currency with the correct amount.
The client receives their invoice and payment link in their own currency. They pay in the currency they use — no conversion required on their side, no friction in the payment process.
The live exchange rate at the time of payment is applied automatically. The transaction is recorded in both the client's currency and your reporting currency — with the FX conversion fully documented.
The payment appears in your P&L and balance sheet in your reporting currency — converted at the applied rate. Multi-currency positions are consolidated automatically in all financial reports.
Cross-border commerce is the reality for growing African businesses — multi-currency settlement makes it manageable.
A manufacturing exporter invoices clients in South Africa in ZAR, clients in Kenya in KES, Nigeria in NGN, and Ghana in GHS. All invoices are generated in the correct currency, payments received in each currency are recorded automatically, and the consolidated P&L shows total revenue in ZAR — without any manual currency management by the finance team.
A pan-African advisory firm charges clients in their local currencies to reduce payment friction. Mutual Africa Pay manages the multi-currency invoicing, applies live rates at the time of each payment, and consolidates all revenue into a single ZAR P&L for group reporting — giving the partners a clear view of total firm revenue without currency complexity.
A South African fintech with international customers accepts payments in USD, GBP, and EUR. Mutual Africa Pay's multi-currency settlement handles each currency correctly, converts to ZAR at live rates, and keeps all accounts reconciled — without the business needing separate banking accounts for each currency.
An importer sourcing from Kenya, Ghana, and Nigeria pays suppliers in KES, GHS, and NGN respectively. Mutual Africa Pay records each payment in the supplier's currency and the equivalent ZAR amount — keeping payables accurate across currencies and giving the business a clear view of total procurement costs in its reporting currency.
African businesses increasingly operate across borders — selling to clients in multiple markets, sourcing from suppliers across the continent, and managing finances in multiple currencies simultaneously. Mutual Africa Pay's multi-currency infrastructure is built for this reality — not adapted from a single-currency product.
Multi-currency settlements are included in Mutual Africa Pay's Growth plan and above. Invoice and collect in any currency your business needs.
