{"id":1974,"date":"2026-05-28T12:23:09","date_gmt":"2026-05-28T12:23:09","guid":{"rendered":"https:\/\/mutualafricapay.com\/?page_id=1974"},"modified":"2026-05-28T12:23:09","modified_gmt":"2026-05-28T12:23:09","slug":"multi-currency-settlements","status":"publish","type":"page","link":"https:\/\/mutualafricapay.com\/na\/payments-2\/multi-currency-settlements\/","title":{"rendered":"Multi-Currency Settlements"},"content":{"rendered":"\t\t
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\n\t\t\t\t\t\r\n\r\n\r\n\r\n\r\nMulti-Currency Settlements \u2014 Mutual Africa Pay<\/title>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@400;500;600;700&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\r\nbody { font-family: 'Space Grotesk', sans-serif; background: #07091A; color: #FFFFFF; -webkit-font-smoothing: antialiased; }\r\n.sec { padding: clamp(64px,10vw,112px) clamp(20px,6%,80px); position: relative; overflow: hidden; }\r\n.bg { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }\r\n.bg-dots { position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px); background-size: 30px 30px; }\r\n.bg-line { position: absolute; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(46,158,68,0.16), transparent); }\r\n.bg-glow { position: absolute; border-radius: 50%; }\r\n.eyebrow { display: inline-flex; 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Multi-currency payments built for how African businesses actually operate across borders.<\/p>\r\n <div class=\"hero-actions\">\r\n <a href=\"https:\/\/mutualafricapay.com\/pricing\" class=\"btn-green\">Get Started <svg width=\"14\" height=\"14\" viewBox=\"0 0 14 14\" fill=\"none\"><path d=\"M2 7h10M7 2l5 5-5 5\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a>\r\n <a href=\"https:\/\/mutualafricapay.com\/contact\" class=\"btn-ghost\">Contact Sales<\/a>\r\n <\/div>\r\n <div class=\"hero-pills\"><span class=\"pill\"><span class=\"pill-dot\"><\/span>12+ Currencies<\/span><span class=\"pill\"><span class=\"pill-dot\"><\/span>Live Exchange Rates<\/span><span class=\"pill\"><span class=\"pill-dot\"><\/span>Auto-Conversion<\/span><span class=\"pill\"><span class=\"pill-dot\"><\/span>Multi-Currency Invoicing<\/span><span class=\"pill\"><span class=\"pill-dot\"><\/span>Settlement Controls<\/span><span class=\"pill\"><span class=\"pill-dot\"><\/span>Cross-Border Ready<\/span><\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n<section class=\"sec\" id=\"s-cap\">\r\n <div class=\"bg\"><div class=\"bg-dots\"><\/div><div class=\"bg-glow\" style=\"top:-60px;right:-80px;width:480px;height:420px;background:radial-gradient(ellipse,rgba(46,158,68,0.08) 0%,transparent 65%)\"><\/div><div class=\"bg-line\" style=\"bottom:0\"><\/div><\/div>\r\n <div class=\"cap-header\">\r\n <div class=\"eyebrow\"><span class=\"edot\"><\/span><span class=\"etxt\">Capabilities<\/span><\/div>\r\n <h2 class=\"h2\">Six multi-currency capabilities for African cross-border commerce<\/h2>\r\n <p class=\"body\" style=\"margin-top:16px;max-width:580px\">From invoicing international clients to paying African suppliers \u2014 Mutual Africa Pay handles every currency, every rate, and every conversion automatically.<\/p>\r\n <\/div>\r\n <div class=\"fgrid\"><div class=\"fcard f1\"><div class=\"fcard-ico\">\ud83c\udf0d<\/div><div class=\"fcard-title\">12+ Currency Support<\/div><p class=\"fcard-body\">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 \u2014 across all 54 African countries.<\/p><\/div><div class=\"fcard f2\"><div class=\"fcard-ico\">\u26a1<\/div><div class=\"fcard-title\">Live Exchange Rate Application<\/div><p class=\"fcard-body\">Exchange rates sourced live at the time of every transaction. No manual rate lookups, no outdated rates applied to invoices \u2014 the correct rate is used automatically the moment a transaction is processed.<\/p><\/div><div class=\"fcard f3\"><div class=\"fcard-ico\">\ud83e\uddfe<\/div><div class=\"fcard-title\">Multi-Currency Invoicing<\/div><p class=\"fcard-body\">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 \u2014 each invoice in the correct currency with the correct rate applied.<\/p><\/div><div class=\"fcard f4\"><div class=\"fcard-ico\">\ud83d\udcca<\/div><div class=\"fcard-title\">Multi-Currency P&L Consolidation<\/div><p class=\"fcard-body\">All revenue and expenses across currencies are consolidated into your reporting currency using live rates \u2014 giving you a single, accurate view of total business performance regardless of how many currencies your business operates across.<\/p><\/div><div class=\"fcard f5\"><div class=\"fcard-ico\">\u2699\ufe0f<\/div><div class=\"fcard-title\">Settlement Controls<\/div><p class=\"fcard-body\">Control how and when foreign currency receipts are settled. Configure settlement preferences per currency, per client, or per transaction type \u2014 giving finance teams the control needed to manage currency exposure in multi-currency business environments.<\/p><\/div><div class=\"fcard f6\"><div class=\"fcard-ico\">\ud83d\udccb<\/div><div class=\"fcard-title\">Currency Reconciliation<\/div><p class=\"fcard-body\">Every multi-currency transaction is reconciled automatically \u2014 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.<\/p><\/div><\/div>\r\n<\/section>\r\n\r\n<section class=\"sec\" id=\"s-how\">\r\n <div class=\"bg\"><div class=\"bg-dots\"><\/div><div class=\"bg-glow\" style=\"bottom:-60px;left:-80px;width:460px;height:380px;background:radial-gradient(ellipse,rgba(46,158,68,0.07) 0%,transparent 65%)\"><\/div><div class=\"bg-line\" style=\"bottom:0\"><\/div><\/div>\r\n <div class=\"how-grid\">\r\n <div>\r\n <div class=\"eyebrow\"><span class=\"edot\"><\/span><span class=\"etxt\">How It Works<\/span><\/div>\r\n <h2 class=\"h2\" style=\"margin-bottom:20px\">From invoice to settlement \u2014 across any currency, automatically<\/h2>\r\n <p class=\"body\">Multi-currency transactions in Mutual Africa Pay require no additional steps compared to single-currency transactions. The currency handling happens automatically behind the scenes \u2014 rates are applied, conversions are recorded, and books are updated without any manual intervention.<\/p>\r\n <\/div>\r\n <div class=\"steps\"><div class=\"step\"><div class=\"step-num\">01<\/div><div><h3>Create the invoice in the client's currency<\/h3><p>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.<\/p><\/div><\/div><div class=\"step\"><div class=\"step-num\">02<\/div><div><h3>Client pays in their currency<\/h3><p>The client receives their invoice and payment link in their own currency. They pay in the currency they use \u2014 no conversion required on their side, no friction in the payment process.<\/p><\/div><\/div><div class=\"step\"><div class=\"step-num\">03<\/div><div><h3>Rate applied and transaction recorded<\/h3><p>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 \u2014 with the FX conversion fully documented.<\/p><\/div><\/div><div class=\"step\"><div class=\"step-num\">04<\/div><div><h3>Consolidated in your reporting currency<\/h3><p>The payment appears in your P&L and balance sheet in your reporting currency \u2014 converted at the applied rate. Multi-currency positions are consolidated automatically in all financial reports.<\/p><\/div><\/div><\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n<section class=\"sec\" id=\"s-use\">\r\n <div class=\"bg\"><div class=\"bg-dots\"><\/div><div class=\"bg-glow\" style=\"top:-60px;right:-80px;width:460px;height:380px;background:radial-gradient(ellipse,rgba(46,158,68,0.07) 0%,transparent 65%)\"><\/div><div class=\"bg-line\" style=\"bottom:0\"><\/div><\/div>\r\n <div class=\"use-header\">\r\n <div class=\"eyebrow\"><span class=\"edot\"><\/span><span class=\"etxt\">Use Cases<\/span><\/div>\r\n <h2 class=\"h2\">How African businesses manage multi-currency operations<\/h2>\r\n <p class=\"body\" style=\"margin-top:14px;max-width:560px\">Cross-border commerce is the reality for growing African businesses \u2014 multi-currency settlement makes it manageable.<\/p>\r\n <\/div>\r\n <div class=\"use-grid\"><div class=\"use-card\"><div class=\"use-tag\">Export Business<\/div><h3>A South African exporter invoices clients across six African countries<\/h3><p>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 \u2014 without any manual currency management by the finance team.<\/p><\/div><div class=\"use-card\"><div class=\"use-tag\">Pan-African Services<\/div><h3>A consultancy bills clients across East, West, and Southern Africa<\/h3><p>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 \u2014 giving the partners a clear view of total firm revenue without currency complexity.<\/p><\/div><div class=\"use-card\"><div class=\"use-tag\">Diaspora-Serving Business<\/div><h3>A fintech serves customers paying in USD, GBP, and EUR<\/h3><p>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 \u2014 without the business needing separate banking accounts for each currency.<\/p><\/div><div class=\"use-card\"><div class=\"use-tag\">Import Business<\/div><h3>An importer pays African suppliers in local currencies<\/h3><p>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 \u2014 keeping payables accurate across currencies and giving the business a clear view of total procurement costs in its reporting currency.<\/p><\/div><\/div>\r\n<\/section>\r\n\r\n<section class=\"sec\" id=\"s-africa\">\r\n <div class=\"bg\"><div class=\"bg-dots\"><\/div><div class=\"bg-glow\" style=\"top:50%;left:50%;transform:translate(-50%,-50%);width:700px;height:420px;background:radial-gradient(ellipse,rgba(46,158,68,0.06) 0%,transparent 65%)\"><\/div><\/div>\r\n <div class=\"africa-inner\">\r\n <div class=\"africa-grid\">\r\n <div style=\"position:relative;z-index:1\">\r\n <div class=\"eyebrow\"><span class=\"edot\"><\/span><span class=\"etxt\">Built for Africa<\/span><\/div>\r\n <h2 class=\"h2\" style=\"margin-bottom:20px\">Multi-currency built for the reality of African cross-border commerce<\/h2>\r\n <p class=\"body\">African businesses increasingly operate across borders \u2014 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 \u2014 not adapted from a single-currency product.<\/p>\r\n <\/div>\r\n <div class=\"africa-points\" style=\"position:relative;z-index:1\"><div class=\"africa-point\"><div class=\"africa-point-dot\"><svg viewBox=\"0 0 9 9\" fill=\"none\"><path d=\"M1.5 4.5l2 2L7.5 2\" stroke=\"#2E9E44\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><span>All major African currencies supported \u2014 ZAR, KES, NGN, GHS, BWP, ZMW, TZS, UGX and more<\/span><\/div><div class=\"africa-point\"><div class=\"africa-point-dot\"><svg viewBox=\"0 0 9 9\" fill=\"none\"><path d=\"M1.5 4.5l2 2L7.5 2\" stroke=\"#2E9E44\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><span>Live rates from reliable sources updated continuously \u2014 no stale exchange rates applied to business transactions<\/span><\/div><div class=\"africa-point\"><div class=\"africa-point-dot\"><svg viewBox=\"0 0 9 9\" fill=\"none\"><path d=\"M1.5 4.5l2 2L7.5 2\" stroke=\"#2E9E44\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><span>Works across African payment rails \u2014 mobile money, bank transfer, and card payment in local currencies<\/span><\/div><div class=\"africa-point\"><div class=\"africa-point-dot\"><svg viewBox=\"0 0 9 9\" fill=\"none\"><path d=\"M1.5 4.5l2 2L7.5 2\" stroke=\"#2E9E44\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><span>Cross-border invoicing across all 54 African countries from a single Mutual Africa Pay account<\/span><\/div><div class=\"africa-point\"><div class=\"africa-point-dot\"><svg viewBox=\"0 0 9 9\" fill=\"none\"><path d=\"M1.5 4.5l2 2L7.5 2\" stroke=\"#2E9E44\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><span>Consolidated reporting in your base currency \u2014 total business visibility regardless of how many currencies you operate across<\/span><\/div><div class=\"africa-point\"><div class=\"africa-point-dot\"><svg viewBox=\"0 0 9 9\" fill=\"none\"><path d=\"M1.5 4.5l2 2L7.5 2\" stroke=\"#2E9E44\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><span>Eliminates the need for multiple banking accounts in different currencies for many cross-border use cases<\/span><\/div><\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n<section class=\"sec\" id=\"s-related\">\r\n <div class=\"bg\"><div class=\"bg-dots\"><\/div><div class=\"bg-line\" style=\"bottom:0\"><\/div><\/div>\r\n <div class=\"related-header\">\r\n <div class=\"eyebrow\"><span class=\"edot\"><\/span><span class=\"etxt\">Related Features<\/span><\/div>\r\n <h2 class=\"h2\">Features that work alongside multi-currency settlements<\/h2>\r\n <\/div>\r\n <div class=\"related-grid\"><a href=\"https:\/\/mutualafricapay.com\/products\/accounting\/invoicing\" class=\"related-card\"><div class=\"related-ico\">\ud83e\uddfe<\/div><div class=\"related-title\">Multi-Currency Invoicing<\/div><p class=\"related-desc\">Invoice clients in any currency directly from Mutual Africa Pay \u2014 rates applied automatically, no manual conversion.<\/p><div class=\"related-link\">Learn more <svg width=\"11\" height=\"11\" viewBox=\"0 0 11 11\" fill=\"none\"><path d=\"M2 5.5h7M5.5 2l3.5 3.5L5.5 9\" stroke=\"currentColor\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><\/a><a href=\"https:\/\/mutualafricapay.com\/products\/payments\/infra\" class=\"related-card\"><div class=\"related-ico\">\ud83c\udfd7\ufe0f<\/div><div class=\"related-title\">Payments Infrastructure<\/div><p class=\"related-desc\">Multi-currency settlements run on Mutual Africa Pay's payments infrastructure \u2014 cross-border processing across African rails and networks.<\/p><div class=\"related-link\">Learn more <svg width=\"11\" height=\"11\" viewBox=\"0 0 11 11\" fill=\"none\"><path d=\"M2 5.5h7M5.5 2l3.5 3.5L5.5 9\" stroke=\"currentColor\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><\/a><a href=\"https:\/\/mutualafricapay.com\/products\/accounting\/pl\" class=\"related-card\"><div class=\"related-ico\">\ud83d\udcc9<\/div><div class=\"related-title\">P&L Reporting<\/div><p class=\"related-desc\">All multi-currency transactions consolidate into your P&L in your reporting currency \u2014 giving you total business visibility across all markets.<\/p><div class=\"related-link\">Learn more <svg width=\"11\" height=\"11\" viewBox=\"0 0 11 11\" fill=\"none\"><path d=\"M2 5.5h7M5.5 2l3.5 3.5L5.5 9\" stroke=\"currentColor\" stroke-width=\"1.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/div><\/a><\/div>\r\n<\/section>\r\n\r\n<section class=\"sec\" id=\"s-cta\">\r\n <div class=\"bg\"><div class=\"bg-dots\"><\/div><div class=\"bg-glow\" style=\"top:0;left:50%;transform:translateX(-50%);width:700px;height:300px;background:radial-gradient(ellipse,rgba(46,158,68,0.08) 0%,transparent 65%)\"><\/div><\/div>\r\n <div class=\"cta-box\">\r\n <div class=\"eyebrow\" style=\"justify-content:center;margin-bottom:20px\"><span class=\"edot\"><\/span><span class=\"etxt\">Get Started<\/span><\/div>\r\n <h2>Start transacting across Africa in any currency<\/h2>\r\n <p>Multi-currency settlements are included in Mutual Africa Pay's Growth plan and above. Invoice and collect in any currency your business needs.<\/p>\r\n <div class=\"cta-btns\">\r\n <a href=\"https:\/\/mutualafricapay.com\/pricing\" class=\"btn-green\">View Pricing <svg width=\"14\" height=\"14\" viewBox=\"0 0 14 14\" fill=\"none\"><path d=\"M2 7h10M7 2l5 5-5 5\" stroke=\"currentColor\" stroke-width=\"1.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/a>\r\n <a href=\"https:\/\/mutualafricapay.com\/contact\" class=\"btn-ghost\">Contact Sales<\/a>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Multi-Currency Settlements \u2014 Mutual Africa Pay *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; } body { font-family: ‘Space Grotesk’, sans-serif; background: #07091A; color: #FFFFFF; -webkit-font-smoothing: antialiased; } .sec { padding: clamp(64px,10vw,112px) clamp(20px,6%,80px); position: relative; overflow: hidden; 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} .use-card h3 { font-size:1.05rem;font-weight:600;color:#FFFFFF;margin-bottom:10px;line-height:1.3; } .use-card p { font-size:0.855rem;color:#FFFFFF;line-height:1.7; } #s-africa { background:#07091A; } .africa-inner { position:relative;z-index:2;background:linear-gradient(145deg,#0D1140,#090C2E);border:1px solid rgba(46,158,68,0.25);border-radius:20px;padding:clamp(44px,8vw,80px) clamp(28px,8vw,72px);overflow:hidden;animation:fadeUp 0.55s cubic-bezier(0.23,1,0.32,1) both; } .africa-inner::before{content:”;position:absolute;top:-1px;left:12%;right:12%;height:1px;background:linear-gradient(90deg,transparent,rgba(46,158,68,.6),transparent)} .africa-inner::after{content:”;position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(46,158,68,.07),transparent 55%);pointer-events:none} .africa-grid { display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center; } .africa-points { display:flex;flex-direction:column;gap:12px; } .africa-point { display:flex;align-items:flex-start;gap:12px; } .africa-point-dot { width:20px;height:20px;border-radius:50%;background:rgba(46,158,68,0.12);border:1px solid rgba(46,158,68,0.32);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px; } .africa-point-dot svg { width:9px;height:9px; } .africa-point span { font-size:0.9rem;color:#FFFFFF;line-height:1.55; } #s-related { background:#060810; } .related-header { margin-bottom:40px;position:relative;z-index:2;animation:fadeUp 0.5s cubic-bezier(0.23,1,0.32,1) both; } .related-grid { display:grid;grid-template-columns:repeat(3,1fr);gap:12px;position:relative;z-index:2; } .related-card { display:block;text-decoration:none;color:inherit;background:linear-gradient(145deg,#0D1033,#090C22);border:1px solid rgba(255,255,255,0.07);border-radius:12px;padding:24px 22px;transition:border-color 160ms,box-shadow 200ms,transform 200ms cubic-bezier(0.23,1,0.32,1);animation:fadeUp 0.5s cubic-bezier(0.23,1,0.32,1) both; } .related-card:nth-child(1){animation-delay:.04s}.related-card:nth-child(2){animation-delay:.09s}.related-card:nth-child(3){animation-delay:.14s} @media(hover:hover)and(pointer:fine){.related-card:hover{border-color:rgba(46,158,68,0.35);box-shadow:0 10px 28px rgba(0,0,0,.4);transform:translateY(-3px)}} .related-card:active{transform:scale(0.98)!important} .related-ico { font-size:1.4rem;margin-bottom:12px; } .related-title { font-size:0.92rem;font-weight:600;color:#FFFFFF;margin-bottom:6px; } .related-desc { font-size:0.8rem;color:#FFFFFF;line-height:1.6; } .related-link { display:inline-flex;align-items:center;gap:5px;font-size:0.76rem;font-weight:600;color:#2E9E44;margin-top:12px;transition:gap 150ms; } @media(hover:hover)and(pointer:fine){.related-card:hover .related-link{gap:9px}} #s-cta { background:#07091A; } .cta-box { position:relative;z-index:2;background:linear-gradient(145deg,#0D1140,#090C2E);border:1px solid rgba(46,158,68,0.28);border-radius:20px;padding:clamp(48px,8vw,88px) clamp(28px,8vw,80px);text-align:center;overflow:hidden;animation:fadeUp 0.55s cubic-bezier(0.23,1,0.32,1) both } .cta-box::before{content:”;position:absolute;top:-1px;left:12%;right:12%;height:1px;background:linear-gradient(90deg,transparent,rgba(46,158,68,.6),transparent)} .cta-box::after{content:”;position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(46,158,68,.08),transparent 55%);pointer-events:none} .cta-box h2{font-size:clamp(1.8rem,3.5vw,2.8rem);font-weight:700;letter-spacing:-0.025em;line-height:1.08;color:#FFFFFF;margin-bottom:16px;position:relative;z-index:1} .cta-box p{font-size:.97rem;color:#FFFFFF;max-width:460px;margin:0 auto 40px;line-height:1.7;position:relative;z-index:1} .cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;position:relative;z-index:1} @media(max-width:900px){.fgrid{grid-template-columns:1fr 1fr}.how-grid{grid-template-columns:1fr;gap:40px}.africa-grid{grid-template-columns:1fr;gap:36px}.related-grid{grid-template-columns:1fr 1fr}} @media(max-width:480px){.fgrid{grid-template-columns:1fr 1fr}.use-grid{grid-template-columns:1fr 1fr}.related-grid{grid-template-columns:1fr 1fr}.sec{padding:64px 20px}} @media(prefers-reduced-motion:reduce){.fcard{animation:fadeUp 0.01ms both !important}*{animation-duration:0.01ms !important}} Products\/ Payments\/ Multi-Currency Settlements Send and receive moneyin any African currency ZAR, USD, GBP, EUR, KES, NGN, GHS and more \u2014 with live exchange rates applied automatically at the time of every transaction. Multi-currency payments built for how African businesses actually operate across borders. Get Started Contact Sales 12+ CurrenciesLive Exchange RatesAuto-ConversionMulti-Currency InvoicingSettlement ControlsCross-Border Ready Capabilities Six multi-currency capabilities for African cross-border commerce From invoicing international clients to paying African suppliers \u2014 Mutual Africa Pay handles every currency, every rate, and every conversion automatically. \ud83c\udf0d12+ Currency Support 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 \u2014 across all 54 African countries. \u26a1Live Exchange Rate Application Exchange rates sourced live at the time of every transaction. No manual rate lookups, no outdated rates applied to invoices \u2014 the correct rate is used automatically the moment a transaction is processed. \ud83e\uddfeMulti-Currency Invoicing 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 \u2014 each invoice in the correct currency with the correct rate applied. \ud83d\udccaMulti-Currency P&L Consolidation All revenue and expenses across currencies are consolidated into your reporting currency using live rates \u2014 giving you a single, accurate view of total business performance regardless of how many currencies your business operates across. \u2699\ufe0fSettlement Controls Control how and when foreign currency receipts are settled. Configure settlement preferences per currency, per client, or per transaction type \u2014 giving finance teams the control needed to manage currency exposure in multi-currency business environments. \ud83d\udccbCurrency Reconciliation Every multi-currency transaction is reconciled automatically \u2014 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. How It Works From invoice to settlement \u2014 across any currency, automatically Multi-currency transactions in Mutual Africa Pay require no additional steps compared to single-currency transactions. 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