Pay your suppliers abroad hassle-free.
One direct payment link from Kenya to China, Nigeria and the UAE. Transparent FX, same-day settlement, and no correspondent-bank maze.
- No hidden fees
- Rate locked at confirmation
- Same-day settlement
- 0 live corridors
China, Nigeria and the UAE, from Kenya
- 2 hrs max
Same-day settlement on every corridor
- 0 hidden
No hidden fees or FX markups
- 0 % visible
Full rate transparency before you confirm
The corridors
From your counter in Nairobi,
to suppliers accross the world.
Three live routes out of Kenya. Priced in the open and settled the same day, whether your supplier banks in Guangzhou, Lagos or Dubai.
🇰🇪 Nairobi, Kenya 
🇨🇳 Guangzhou, China 
🇳🇬 Lagos, Nigeria 
🇦🇪 Dubai, UAE Simple by design
How PayNexa works
Four steps from deciding to pay your supplier to funds landing in China, Nigeria or the UAE, with full visibility at every stage.
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Tell us who you pay
Share your supplier's country, bank and invoice: China, Nigeria or the UAE. No complex onboarding forms.
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See your quote
We show you the exact exchange rate, our fee, and the total KES you will pay, before you commit to anything.
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Fund in Kenyan Shillings
Send KES via M-Pesa or bank transfer to our collection account. Fast, familiar payment methods you already use.
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Settled the same day
We handle the cross-border transfer. Your supplier receives funds directly, immediately after ID verification, otherwise within 2 hours. You get confirmations at each milestone.
What we offer
Built around your trade flow
Every feature exists because Kenyan importers told us what was missing, whether they pay suppliers in China, Nigeria or the UAE.
Supplier Payments
Pay suppliers in China, Nigeria and the UAE directly in their local currency: ¥, ₦ or $ / د.إ. No correspondent-bank complexity, no charges hidden in the rate.
FX Conversion
Lock in your rate at confirmation. We show you the mid-market rate, our spread, and your total cost, all before you proceed. No post-confirmation adjustments.
Payment Tracking
Know where your payment is at every stage. Milestone confirmations keep you and your supplier aligned, without chasing anyone for updates.
Dedicated Support
A relationship manager who understands African trade. Reach us by email or WhatsApp, not a ticket queue. A person who knows your account and your suppliers.
Our commitment
Why PayNexa
Built with honesty about where we are today, and clear intent about where we are going.
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Built by practitioners
Our team has worked inside African payments infrastructure. We understand the real friction Kenyan importers face — and built directly around it.
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Regulatory path clear
Actively pursuing registration as a Money Remittance Provider with the Central Bank of Kenya. Compliance is a foundation, not a footnote.
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Total cost transparency
You see the exact rate, fee, and total KES before confirming. Then that is precisely what you pay — no FX surprises embedded in the rate afterwards.
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Corridors, not one-size-fits-all
Each route (China, Nigeria, the UAE) is built for how that trade actually settles, not a generic rail bent to fit. Local currency, local rails, one link.
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Honest settlement timelines
Clear timelines communicated before you pay, not vague estimates after. You and your supplier always know what to expect and when.
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Your relationships intact
We work around your existing supplier relationships, not the other way around. The only thing that changes is how efficiently you pay.
Questions
Frequently asked
Real questions from Kenyan importers — answered without the marketing speak.
Ask us something elseYou will see the exact rate before you confirm any payment — the mid-market rate plus our spread, shown separately so you know exactly what you are paying for FX. There are no post-confirmation adjustments. The rate you see at confirmation is the rate applied.
On every live corridor, settlement is same-day. If your supplier has completed ID verification, funds land immediately once your KES transfer clears; if not, up to 2 hours. We send confirmations at each settlement milestone so you and your supplier always know the current status.
Three: Kenya to China, Kenya to Nigeria, and Kenya to the UAE. Suppliers are paid in ¥ RMB, ₦ Naira, or $ / د.إ dirham respectively, all settled the same day. If you need a route we do not list yet, tell us via the form and we will keep you updated.
For business payments you will need your business registration documents, your supplier's details (company name, bank name, account number, and their SWIFT/IBAN or local clearing code), and the commercial invoice for the goods. We will walk you through a full onboarding checklist when you reach out.
PayNexa is pursuing registration as a Money Remittance Provider with the Central Bank of Kenya. Our regulatory application is in progress. We operate with compliance as a foundation — AML and KYC requirements are built into our onboarding process from day one.
Customer funds are held separately from PayNexa operating funds at all times. All transfers are processed through regulated banking partners. We never co-mingle client money with company funds and maintain full records of every transaction.
We charge a transparent fee per transfer, shown in full before you confirm. No monthly subscription, no minimum volume requirement. Exact fee schedules are provided during onboarding based on your payment volume.
Fill out the contact form below. A member of our team will reach out within one business day to understand your payment needs and walk you through the onboarding process. No commitment required at that stage.
Pay your suppliers abroad,
without the guesswork.
Transparent rates, same-day settlement to China, Nigeria and the UAE, and a real person who knows your account. Start a conversation, no commitment.
Let's talk
Start a conversation
Tell us a bit about your payment needs. We respond within one business day — often sooner.
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We will be in touch within one business day.