Cross-Border Payments Built for Emerging Markets

Collect from local wallets and banks, convert at transparent FX, and pay out to 12+ markets — through one Coingopay integration.

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Cross-border performance at a glance

12+

Markets connected

60+

Local payment methods

99.9%

Platform uptime

24h

Typical settlement

Why teams choose Coingopay for cross-border flows

Local rails, not correspondent chains

Funds move over domestic rails and wallets in each market, avoiding multi-hop correspondent banking delays and unpredictable deductions.

Transparent FX conversion

A single quoted rate covers conversion, with the amount your customer sends and the amount you receive visible before you confirm.

One API for collection and payout

The same integration handles pay-in, payout, reconciliation and status webhooks, so adding a new country is a configuration change.

Compliance built into the flow

KYC, sanctions screening and transaction monitoring run inline, with per-market rules applied automatically.

Reconciliation you can audit

Every transaction carries a traceable reference from initiation to settlement, exported in formats finance teams already use.

Support in your operating hours

Regional teams cover local business hours, so escalations are handled by people familiar with each market's rails.

How a cross-border payment moves

  1. 01

    Initiate

    Your platform creates a payment or payout request through the Coingopay API with amount, currency and destination.

  2. 02

    Convert

    FX is quoted and locked, with fees and the receivable amount returned in the same response.

  3. 03

    Route

    The transaction is routed to the best-performing local rail or wallet provider in the destination market.

  4. 04

    Settle

    Funds land in the beneficiary account or wallet, and a webhook confirms final status for reconciliation.

Live coverage map

Routes run between the Coingopay settlement hub and each connected market, with capacity added as corridors mature.

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Settlement hub12 supported marketsLive payment routes

Corridors and local payment methods

Each market is served through the payment methods people actually use locally — mobile wallets, instant bank transfers and card rails where relevant.

BD flag

Bangladesh

BDT
  • bKash logobKash
  • Nagad logoNagad
  • Rocket logoRocket
  • Upay logoUpay
  • Bank Transfer
IN flag

India

INR
  • UPI logoUPI
  • Paytm logoPaytm
  • PhonePe logoPhonePe
  • IMPS logoIMPS
  • Net Banking
PK flag

Pakistan

PKR
  • JazzCash logoJazzCash
  • Easypaisa logoEasypaisa
  • Bank Transfer
  • Raast logoRaast
ID flag

Indonesia

IDR
  • QRIS logoQRIS
  • GoPay logoGoPay
  • OVO logoOVO
  • DANA logoDANA
  • Virtual Account
  • Alfamart logoAlfamart
VN flag

Vietnam

VND
  • MoMo logoMoMo
  • ZaloPay logoZaloPay
  • VietQR logoVietQR
  • Bank Transfer
TH flag

Thailand

THB
  • PromptPay
  • TrueMoney logoTrueMoney
  • Bank Transfer
PH flag

Philippines

PHP
  • GCash logoGCash
  • Maya logoMaya
  • InstaPay
  • 7-Eleven Cash logo7-Eleven Cash
BR flag

Brazil

BRL
  • PIX logoPIX
  • Boleto
  • Cards logoCards
MX flag

Mexico

MXN
  • SPEI logoSPEI
  • OXXO logoOXXO
  • Cards logoCards
KE flag

Kenya

KES
  • M-PESA logoM-PESA
  • Airtel Money logoAirtel Money
  • Bank Transfer
NG flag

Nigeria

NGN
  • Bank Transfer
  • Opay logoOpay
  • USSD
EG flag

Egypt

EGP
  • Vodafone Cash logoVodafone Cash
  • Fawry logoFawry
  • Bank Transfer

Cross-border payment questions

How long do cross-border payments take to settle?

Most corridors settle within 24 hours, and instant local rails such as UPI, PIX and mobile wallets typically complete in seconds once funds are confirmed.

Which currencies and countries are supported?

Coingopay currently connects 12+ markets across South Asia, Southeast Asia, Latin America and Africa, each settled in its local currency with conversion handled by Coingopay.

How is the FX rate calculated?

A rate is quoted per transaction and locked when you confirm, so the amount received in the destination currency is known before the payment is submitted.

Can I both collect and pay out in the same market?

Yes. Collection and payout share one integration and one balance, so funds collected locally can fund payouts in the same corridor.

What compliance checks apply to cross-border transactions?

Sanctions screening, KYC/KYB verification and transaction monitoring run on every flow, with additional market-specific requirements applied automatically.

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