Pay suppliers, run payroll, issue virtual USD cards, settle bills, and withdraw to your bank — from one account built on Paystack and Stripe. Available in Africa, North America, and Europe.
No setup fee · KYC-verified · AES-256 encrypted
Wallet balance
$48,920.50
Held in USD · virtual account active
Pay supplier
Issue card
Withdraw
Recent activity
Supplier payout · New York
USD same-currency · Approved
-$3,200.00
Card spend · AWS
Virtual USD card
-$1,249.00
Payroll batch · 12 staff
Recurring · Maker approved
-$18,400.00
20+
Countries live today
6
Core financial operations
AES-256
Field-level encryption
$0
To open an account
What Financiar does
Replace scattered bank apps, FX agents, and spreadsheets with a single controlled system — wherever you operate.
Send same-currency payouts to suppliers and partners across Africa, the US, UK, Canada, and the EU. Paystack powers African corridors; Stripe handles everything else. Every transfer lands with a full audit trail and mandatory maker-checker sign-off.
Same-currency settlement only — no FX conversion inside Financiar.
How payments workIssue Stripe-backed virtual cards for SaaS, ad spend, and international supplier payments. Set per-card limits and freeze instantly. For Nigerian and Ghanaian businesses: a USD card for global spend — not a local-currency card.
See virtual cardsBudgets by department or project, expense capture with receipts, and maker-checker approvals so money only moves with the right sign-off — available in all 20+ launch countries.
Explore spend controlRun recurring salary runs in your local currency with idempotent processing — each employee paid exactly once, no double-pays on retries. Tax estimates included; filing is not. Available in all launch regions.
See payrollSettle vendor invoices and recurring bills directly from your Financiar wallet. Every payment runs through the same approval workflow — so finance has full visibility, not just ops.
Withdraw your wallet balance to your registered business bank account in all launch regions — including Nigerian Paystack virtual account holders, and Stripe-connected accounts in the US, UK, EU, and Canada.
Where Financiar is live today
Africa via Paystack · US, UK, EU/EEA & Canada via Stripe
Getting started
Sign up and complete KYC. Nigerian businesses verified instantly via BVN. All other markets within 24 hours. No setup fee.
Nigerian and Ghanaian businesses get a dedicated Paystack virtual account number for local transfers. US, UK, EU, and Canadian accounts fund via Stripe card or bank transfer.
Send supplier payouts, issue virtual cards, run payroll, settle bills, and withdraw — all with approvals and a full audit trail.
Security & compliance
Moving money across regulatory jurisdictions demands more than a polished interface. Financiar is built so safety is the default state — not a checkbox at the end of a feature sprint.
Bank details are ciphertext at rest — not plaintext in any database, readable only by the transaction engine.
Server-enforced before any payout. Aligned to NDPR (Nigeria/Africa), GDPR (EU/UK), and AML obligations.
High-value payouts require a second authoriser. No single point of failure on transfers that matter.
Every sensitive action requires your PIN. Authentication is backed by AWS Cognito — not a home-grown session store.
Security posture
AES-256
PII at rest
KYC
Every account
2-step
Payout approvals
PIN
On transactions
Compliance frameworks
Paystack + Stripe infrastructure · tokenised card numbers · no plaintext bank data stored
Africa: Nigeria, Ghana, Rwanda, South Africa via Paystack. North America & Europe: United States, United Kingdom, Canada, and 13 EU/EEA countries — Germany, France, Spain, Italy, Netherlands, Belgium, Austria, Switzerland, Sweden, Norway, Denmark, Finland, Ireland, and Portugal via Stripe. Coming soon: Kenya, Egypt, Ivory Coast, and Australia.
Bank-detail fields are encrypted at rest with AES-256, auth runs on AWS Cognito, payments go through Paystack and Stripe, and every account completes KYC aligned to NDPR (Nigeria/Africa), GDPR (EU/UK), and AML requirements. Card numbers are tokenised by Stripe and never stored in plaintext.
No. Financiar accounts hold your local currency. Payouts are same-currency: you pay suppliers who receive the same currency you hold. There is no FX conversion inside the platform. To pay an international supplier, use your Financiar virtual USD/EUR/GBP card where the supplier accepts those currencies.
Yes. Financiar issues USD, EUR, and GBP virtual cards via Stripe Issuing. For Nigerian and Ghanaian businesses, this means a USD card for international spend on SaaS, ads, and suppliers — not a local-currency card. Virtual cards are not yet available for Rwanda and South Africa accounts.
Nigerian and Ghanaian businesses receive a dedicated virtual account number for local bank transfers via Paystack. Businesses in Rwanda and South Africa fund by card today. US, UK, EU, and Canadian businesses fund by card or bank transfer via Stripe.
No. Financiar provides tax estimates to help your finance team plan salary runs, but does not file taxes on your behalf. Statutory filing remains your responsibility, typically with your local tax authority or accountant.
How Financiar compares
Ready to start
Open a Financiar account today and make your first payment. Available in Africa, North America, and Europe — no setup fee.