Minutes to mobile money in Ghana, Kenya and more

Money that moves home as fast as you do.

Send from the USA and Canada to 25+ countries across Africa, Asia, Europe and Latin America — or receive from them. One wallet, virtual cards, and rewards on every transfer.

Create free account How it works

A PayloSend customer receiving money on her phone in Accra

4.9★

Trusted by families sending home every month.

You send

Our rate—

Transfer fee$0 — no fees

They receive

0.00

Send money now

Send money in three steps

Fund your wallet

Add money by debit/credit card, ACH bank transfer, or mobile money.

Choose a recipient

Mobile money, bank account, or another PayloSend wallet anywhere we serve.

They get paid

Track every step. Most mobile money transfers land in minutes.

Everything you need to move money

Mobile money payouts

Deliver straight to MTN MoMo, Telecel Cash, M-Pesa and more in minutes.

Multi-currency wallet

Load USD and CAD by card or ACH, or GHS, NGN and KES by mobile money and bank.

Virtual debit cards

Create cards from your wallet to shop online without exposing your real card.

Refer & earn

Get $10 when a friend completes their first $100 transfer. They get $5 too.

Points on every transfer

Earn 1 point per dollar sent. Redeem 1,000 points for $5 in your wallet.

Bank-grade security

Identity verification, encrypted data and real-time fraud monitoring.

Where you can send

🇺🇸 United States🇨🇦 Canada🇬🇭 Ghana🇳🇬 Nigeria🇰🇪 Kenya🇿🇦 South Africa🇺🇬 Uganda🇹🇿 Tanzania🇷🇼 Rwanda🇨🇲 Cameroon🇸🇳 Senegal🇪🇬 Egypt🇮🇳 India🇵🇭 Philippines🇵🇰 Pakistan🇧🇩 Bangladesh🇨🇳 China🇻🇳 Vietnam🇦🇪 United Arab Emirates🇲🇽 Mexico🇬🇧 United Kingdom🇩🇪 Germany🇫🇷 France🇪🇸 Spain🇮🇹 Italy🇳🇱 Netherlands🇨🇮 Côte d'Ivoire🇲🇱 Mali🇧🇫 Burkina Faso🇧🇯 Benin🇹🇬 Togo🇳🇪 Niger🇬🇳 Guinea🇸🇱 Sierra Leone🇱🇷 Liberia🇬🇲 Gambia🇪🇹 Ethiopia🇿🇲 Zambia🇲🇼 Malawi🇲🇿 Mozambique🇨🇩 DR Congo🇨🇬 Congo🇬🇦 Gabon🇿🇼 Zimbabwe🇲🇦 Morocco🇸🇴 Somalia🇧🇮 Burundi🇸🇸 South Sudan🇲🇬 Madagascar🇱🇸 Lesotho🇸🇿 Eswatini🇧🇼 Botswana🇳🇦 Namibia🇦🇴 Angola🇹🇩 Chad🇨🇫 Central African Republic🇬🇼 Guinea-Bissau🇲🇷 Mauritania🇨🇻 Cape Verde🇩🇯 Djibouti🇸🇩 Sudan🇲🇺 Mauritius🇰🇲 Comoros🇬🇶 Equatorial Guinea🇹🇳 Tunisia🇳🇵 Nepal🇱🇰 Sri Lanka🇮🇩 Indonesia🇹🇭 Thailand🇲🇾 Malaysia🇰🇷 South Korea🇯🇵 Japan🇹🇷 Türkiye🇯🇴 Jordan🇸🇦 Saudi Arabia🇬🇹 Guatemala🇭🇳 Honduras🇸🇻 El Salvador🇳🇮 Nicaragua🇩🇴 Dominican Republic🇭🇹 Haiti🇯🇲 Jamaica🇨🇴 Colombia🇵🇪 Peru🇧🇷 Brazil🇪🇨 Ecuador🇮🇪 Ireland🇧🇪 Belgium🇵🇹 Portugal🇵🇱 Poland🇷🇴 Romania🇺🇦 Ukraine🇨🇭 Switzerland🇸🇪 Sweden

Zero transfer fees. Better rates.

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