Receive, hold, convert and send money in 8 currencies from one account — with maker-checker approvals, real-time compliance and a double-entry ledger you can trust.
From the first supplier payment to bulk payroll across corridors — wallets, FX, collections, approvals and compliance, natively connected.
Hold CAD, USD, EUR, GBP, NGN, GHS, KES and ZAR in one account. Available vs. ledger balance, always reconciled.
Convert at a rate you lock for 30 seconds. Transparent spread, no surprise fees at settlement.
Send one supplier payment or a 500-row payroll batch. Per-item status, per-corridor routing with failover.
Pull funds in over Interac and EFT, share a hosted payment link, and settle straight into your wallet.
Owner, Admin, Finance, Approver, Viewer and Developer roles. Enforce N-eyes approval on money movement.
KYB, sanctions/PEP screening, real-time monitoring and a tamper-evident, hash-chained audit trail.
A guided path from onboarding to your first cross-border payout — with controls switched on from day one.
Create your business, complete KYB, and screen directors and UBOs — all in one guided flow.
Invite members, assign roles, and enforce MFA. Set approval policies by amount and corridor.
Top up via Interac, EFT or wire. Lock an FX quote and convert between currencies instantly.
Send single or bulk payments through maker-checker, track to settlement, and export for accounting.
Purpose-built corridors with priority routing and automatic failover across payout partners — so a payment always finds a rail. Daily reconciliation on every corridor.
See supported currenciesInterac · EFT → mobile money & bank
ACH → NGN · GHS · KES · ZAR
Interac ⇄ ACH
SEPA · Faster Payments
Every payment is screened, every approval recorded, every ledger entry balanced. Controls that satisfy your auditors are on by default.
Scoped API keys, signed webhooks and a public REST surface for wallets, payments and collections. Automate treasury, embed payouts, reconcile programmatically.
curl https://api.migrapay.com/v1/api/payments \
-H "Authorization: Bearer mpb_live_••••" \
-H "Idempotency-Key: pmt_8842" \
-d beneficiaryId=ben_9f2a \
-d sourceCurrency=CAD \
-d destCurrency=NGN \
-d sourceAmountMinor=250000
{ "id": "pmt_8842", "state": "approving",
"quote": { "rate": "1487.42", "locksAt": "+30s" } }Set up your business account, complete KYB, and send your first cross-border payment.