# Afriex Payment Options

Afriex routes payments across **30+ currencies** and **100+ countries**. Use this page to confirm which payment rails are available for a given country before building your integration.

## 30+ Currencies

Local and international currencies

## 100+ Countries

Coverage across 5 continents

## 10 Channels

Bank, mobile money, SWIFT, crypto, and more

## Deposit & Payout

Collections and payouts both supported

## Rail Reference

| Rail | API `channel` value | Description |
| --- | --- | --- |
| Bank Account | `BANK_ACCOUNT` | Local bank account transfer |
| Virtual Account | `VIRTUAL_BANK_ACCOUNT` | System-generated account number for inbound deposits |
| Pool Account | `POOL_ACCOUNT` | Shared pool account for multiple users |
| Mobile Money | `MOBILE_MONEY` | Mobile money wallet (M-Pesa, MTN MoMo, Airtel, etc.) |
| SWIFT | `SWIFT` | International SWIFT wire transfer |
| Interac | `INTERAC` | Interac e-Transfer (Canada) |
| UPI | `UPI` | Unified Payments Interface (India) |
| WeChat Pay | `WE_CHAT` | WeChat Pay (China) |
| Alipay | `ALIPAY` | Alipay (China) |
| Crypto | `CRYPTO` | Crypto wallet (USDC / USDT on supported networks) |
| Paybill / Till | `PAYBILL_TILL` | M-Pesa Paybill or Till number (Kenya) |

## Supported Countries

- Africa
- Americas
- Europe
- Asia & Pacific
- Digital Assets

| Country | Currency | Deposit Rails | Payout Rails |
| --- | --- | --- | --- |
| 🇧🇯 Benin | XOF | `Mobile Money` | `Mobile Money` |
| 🇧🇼 Botswana | BWP | — | `Mobile Money` |
| 🇧🇫 Burkina Faso | XOF | `Mobile Money` _(coming soon)_ | `Mobile Money` _(coming soon)_ |
| 🇨🇲 Cameroon | XAF | `Mobile Money` | `Bank Account`, `Mobile Money` |
| 🇨🇫 Central African Republic | XAF | — | `Mobile Money` _(coming soon)_ |
| 🇨🇬 Republic of Congo | XAF | `Mobile Money` _(coming soon)_ | `Mobile Money` |
| 🇨🇮 Côte d’Ivoire | XOF | `Mobile Money` | `Bank Account`, `Mobile Money` |
| 🇨🇩 DR Congo | CDF | — | `Mobile Money` _(coming soon)_ |
| 🇪🇬 Egypt | EGP | — | `Bank Account`, `Mobile Money` |
| 🇪🇹 Ethiopia | ETB | `Mobile Money` | `Bank Account`, `Mobile Money` |
| 🇬🇦 Gabon | XAF | `Mobile Money` _(coming soon)_ | `Mobile Money` |
| 🇬🇲 Gambia | GMD | — | `Mobile Money` |
| 🇬🇭 Ghana | GHS | `Mobile Money` _(coming soon)`, `Virtual Account` _(coming soon)_ | `Bank Account`, `Mobile Money` |
| 🇬🇳 Guinea | GNF | — | `Mobile Money` |
| 🇬🇼 Guinea-Bissau | XOF | — | `Mobile Money` |
| 🇰🇪 Kenya | KES | `Mobile Money`, `Virtual Account` | `Bank Account`, `Mobile Money`, `Paybill / Till` |
| 🇲🇬 Madagascar | MGA | — | `Mobile Money` |
| 🇲🇼 Malawi | MWK | `Mobile Money` _(coming soon)_ | `Mobile Money` |
| 🇲🇱 Mali | XOF | — | `Mobile Money` _(coming soon)_ |
| 🇲🇦 Morocco | MAD | — | `Mobile Money` _(coming soon)_ |
| 🇲🇿 Mozambique | MZN | `Mobile Money` _(coming soon)_ | `Mobile Money` |
| 🇳🇬 Nigeria | NGN | `Virtual Account` | `Bank Account` |
| 🇷🇼 Rwanda | RWF | `Mobile Money` _(coming soon)_ | `Bank Account`, `Mobile Money` |
| 🇸🇳 Senegal | XOF | — | `Bank Account`, `Mobile Money` |
| 🇸🇱 Sierra Leone | SLE | `Mobile Money` _(coming soon)_ | `Mobile Money` |
| 🇿🇦 South Africa | ZAR | — | `Bank Account` |
| 🇸🇸 South Sudan | SSP | — | `Mobile Money` _(coming soon)_ |
| 🇹🇿 Tanzania | TZS | `Mobile Money` | `Mobile Money` |
| 🇹🇬 Togo | XOF | — | `Mobile Money` _(coming soon)_ |
| 🇺🇬 Uganda | UGX | `Mobile Money` | `Bank Account`, `Mobile Money` |
| 🇿🇲 Zambia | ZMW | `Mobile Money` _(coming soon)_ | `Mobile Money` |

| Country | Currency | Deposit Rails | Payout Rails |
| --- | --- | --- | --- |
| 🇨🇦 Canada | CAD | `Interac` _(coming soon)_ | `Interac` _(coming soon)_ |
| 🇺🇸 United States | USD | `Virtual Account` | `Bank Account`, `SWIFT` |

USD `SWIFT` payouts route to **100 countries** globally — not just the US. See [SWIFT Coverage](https://docs.afriex.com/api-reference/supported-currencies#swift-coverage) below for the full country list.

| Country | Currency | Deposit Rails | Payout Rails |
| --- | --- | --- | --- |
| 🇦🇹 Austria | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇧🇪 Belgium | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇧🇬 Bulgaria | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇭🇷 Croatia | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇨🇾 Cyprus | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇨🇿 Czech Republic | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇩🇰 Denmark | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇪🇪 Estonia | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇫🇮 Finland | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇫🇷 France | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇩🇪 Germany | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇬🇷 Greece | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇭🇺 Hungary | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇮🇪 Ireland | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇮🇹 Italy | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇱🇻 Latvia | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇱🇹 Lithuania | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇱🇺 Luxembourg | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇲🇹 Malta | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇳🇱 Netherlands | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇳🇴 Norway | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇵🇱 Poland | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇵🇹 Portugal | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇷🇴 Romania | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇸🇰 Slovakia | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇸🇮 Slovenia | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇪🇸 Spain | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇸🇪 Sweden | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇺🇦 Ukraine | EUR | `Virtual Account` _(coming soon)_ | `Bank Account` |
| 🇬🇧 United Kingdom | GBP | `Virtual Account` _(coming soon)_ | `Bank Account` |

EUR bank payouts use the **SEPA** network and require a valid IBAN. GBP payouts use **Faster Payments**.

| Country | Currency | Deposit Rails | Payout Rails |
| --- | --- | --- | --- |
| 🇨🇳 China | CNY | — | `Bank Account`, `WeChat Pay`, `Alipay` |
| 🇮🇳 India | INR | — | `Bank Account`, `UPI` |
| 🇵🇰 Pakistan | PKR | — | `Bank Account`, `Mobile Money` |

CNY `Bank Account` payouts require the recipient’s **phone number**, **ID type**, and **ID number** in addition to standard bank details.

| Asset | Supported Countries | Deposit Rails | Payout Rails |
| --- | --- | --- | --- |
| USDC | 🌍 100+ countries globally | `Crypto` | — |
| USDT | 🌍 100+ countries globally | `Crypto` | — |

USDC and USDT deposits are accepted from 100+ countries via crypto wallet.

## Coming Soon

**Pool Accounts** — A shared pool account payment method is in development. Supported countries will be listed here once available.

## SWIFT Coverage

USD `SWIFT` payouts (`channel: SWIFT`) are available to **100 countries** — far beyond the US alone. This makes SWIFT the default choice for international USD disbursements when no local rail is available. SWIFT transfers require: recipient email, recipient address, SWIFT/BIC code, and a transaction invoice.

View all 100 SWIFT countries

| Region | Countries |
| --- | --- |
| **Africa** | 🇩🇿 Algeria · 🇧🇯 Benin · 🇧🇼 Botswana · 🇧🇫 Burkina Faso · 🇨🇲 Cameroon · 🇨🇫 Central African Republic · 🇨🇬 Republic of Congo · 🇨🇮 Côte d’Ivoire · 🇨🇩 DR Congo · 🇪🇬 Egypt · 🇪🇹 Ethiopia · 🇬🇦 Gabon · 🇬🇲 Gambia · 🇬🇭 Ghana · 🇬🇳 Guinea · 🇬🇼 Guinea-Bissau · 🇰🇪 Kenya · 🇲🇬 Madagascar · 🇲🇼 Malawi · 🇲🇱 Mali · 🇲🇦 Morocco · 🇲🇿 Mozambique · 🇳🇦 Namibia · 🇳🇪 Niger · 🇳🇬 Nigeria · 🇷🇼 Rwanda · 🇸🇳 Senegal · 🇸🇱 Sierra Leone · 🇿🇦 South Africa · 🇸🇸 South Sudan · 🇹🇿 Tanzania · 🇹🇬 Togo · 🇹🇳 Tunisia · 🇺🇬 Uganda · 🇿🇲 Zambia · 🇿🇼 Zimbabwe |
| **Americas** | 🇦🇷 Argentina · 🇧🇷 Brazil · 🇨🇦 Canada · 🇨🇱 Chile · 🇨🇴 Colombia · 🇭🇹 Haiti · 🇲🇽 Mexico · 🇵🇪 Peru · 🇺🇸 United States · 🇺🇾 Uruguay |
| **Europe** | 🇦🇹 Austria · 🇧🇪 Belgium · 🇧🇬 Bulgaria · 🇭🇷 Croatia · 🇨🇾 Cyprus · 🇨🇿 Czech Republic · 🇩🇰 Denmark · 🇪🇪 Estonia · 🇫🇮 Finland · 🇫🇷 France · 🇩🇪 Germany · 🇬🇮 Gibraltar · 🇬🇷 Greece · 🇭🇺 Hungary · 🇮🇪 Ireland · 🇮🇹 Italy · 🇱🇻 Latvia · 🇱🇮 Liechtenstein · 🇱🇹 Lithuania · 🇱🇺 Luxembourg · 🇲🇹 Malta · 🇳🇱 Netherlands · 🇳🇴 Norway · 🇵🇱 Poland · 🇵🇹 Portugal · 🇷🇴 Romania · 🇷🇺 Russia · 🇸🇰 Slovakia · 🇸🇮 Slovenia · 🇪🇸 Spain · 🇸🇪 Sweden · 🇨🇭 Switzerland · 🇺🇦 Ukraine · 🇬🇧 United Kingdom |
| **Asia & Pacific** | 🇦🇺 Australia · 🇧🇩 Bangladesh · 🇨🇳 China · 🇭🇰 Hong Kong · 🇮🇩 Indonesia · 🇮🇳 India · 🇯🇵 Japan · 🇰🇷 South Korea · 🇰🇼 Kuwait · 🇲🇾 Malaysia · 🇳🇿 New Zealand · 🇵🇭 Philippines · 🇵🇰 Pakistan · 🇶🇦 Qatar · 🇸🇦 Saudi Arabia · 🇸🇬 Singapore · 🇹🇭 Thailand · 🇹🇷 Turkey · 🇦🇪 UAE · 🇻🇳 Vietnam |

Use the [List Institutions](https://docs.afriex.com/api-reference/endpoint/payment-methods/institution) endpoint with `channel=SWIFT` to look up valid SWIFT/BIC codes for a given recipient country.