United States → Africa

Send money home in minutes, not days

Nigeria, Ghana, Kenya and 20+ more. Pay out to a bank account, a mobile wallet or cash — at a rate that is locked before you pay, so the number you see is the number they get.

  • Licensed in all 50 states
  • Balances FDIC-insured
  • No hidden fees
Today's rates

What one US dollar buys, right now

All 20+ corridors →
  • Nigeria USD → NGN
    ₦1,540.20 +0.8%
  • Ghana USD → GHS
    ₵15.20 +0.2%
  • Kenya USD → KES
    KSh129.40 −0.3%
How it works

Three steps, about ninety seconds

No branch queue, no paperwork, no wondering where the money went.

  1. 01

    Pick who, and how much

    Choose a recipient and a country. The rate appears before you commit and stays locked for 30 minutes.

  2. 02

    Pay the way you like

    Debit card or bank transfer, both free. Credit card if you are in a hurry. You see the total before you confirm.

  3. 03

    They get paid

    Straight into a bank account, a mobile wallet or cash pickup. You both get told the moment it lands.

The honest part

The rate is the whole game

Most services advertise a low fee and take the rest on the exchange rate, where you cannot see it. We publish our margin — 0.4% — and lock the rate before you pay. On $200 to Lagos that is roughly $9 more arriving, every single time.

See every fee
Payvio Typical service
Transfer fee on $200 $2.99 $8.00 – $15.00
Exchange-rate margin 0.4% 3% – 5%, unstated
Rate locked before you pay 30 minutes No
Money arrives In minutes 1 – 5 business days
Weekend payouts Yes No

Your first transfer is free

No fee on your first send up to $500. Set up takes about three minutes, and you will know the rate before you part with anything.