Meridian is for African businesses that import and export. Pay a factory in China, a packaging supplier in Ghana or a shipper in Dubai. Collect from a buyer in Germany or Juba. Money lands in minutes. You see every fee before you confirm.
- Minutes
- not 4 to 5 days
- 1%
- flat Meridian fee
- 0%
- FX markup from us
Sample transfer
Settled in 2m 14sNairobi, Kenya — you pay
KES 1,530,612
Compliance checks cleared
Converted by our licensed partner
Payout sent to supplier's bank
Shenzhen, China — supplier receives
¥ 82,400
The full KES 1,500,000. Fees of KES 30,612 (2%) paid on top. Your bank would take 8 to 10%.
Illustration. Real fees and the amount received are shown before you confirm.
If you import or export, you know this already
We heard these from Kenyan importers of electronics, hardware and cars, and from exporters of fresh produce. Meridian is built for them.
The factory will not start until your money lands
Your bank takes 4 to 5 days to confirm a payment. The supplier's 14-day lead time starts after that. You run out of stock waiting.
8 to 10% gone before the goods ship
Bank fees, a poor rate on your shilling account, and charges you only see on the statement. Some importers carry cash to a forex agent to get a fair rate.
Your buyer cannot pay you
A customer in Juba flies to Nairobi to pay in person. A buyer in Europe waits a week while their bank asks for invoices and shipping papers.
You find out the real cost when the money arrives short
The quoted fee is not the whole fee. The rate is not the rate. Nobody shows you the total up front.
One account. Pay out. Get paid.
Meridian sits between your bank or mobile money and the rest of the world. You send. We handle conversion, compliance and delivery. Your supplier gets local currency.
Meridian does not hold your money. Licensed, regulated partners move it. We build the software and check every transaction.
Minutes, not days
Your supplier sees the money the same day. Production starts. Stock arrives.
Flat 1%. No FX markup.
Our licensed partner's fee, plus 1% for Meridian. That is the whole price. We add nothing to the exchange rate.
Your currency, their currency
You pay in shillings from M-Pesa or your bank. They receive yuan, dollars, cedis or euros in their own account.
Africa and the world
Pay suppliers in China, Japan, Dubai, Europe and across Africa. Collect from buyers anywhere with a link or a checkout on your site.
Try it
Three working demos. They behave like the real product. No money moves. No account needed.
Checkout on your site
What your customer sees when they pay you. Bank, mobile money or card. Fees shown first.
Open demoPay a supplier abroad
Send to another country. Watch the fees, the conversion and the payout, step by step.
Open demoPayment link
Create a link, share it, then open it as the payer and settle it.
Open demoPartner fee, plus 1%. That is all.
Our licensed partner charges a fee to collect and pay out. We show you that fee, add a flat 1%, and that is the whole price. No monthly fee. No markup on the exchange rate.
- Bank transfer: about 1% partner fee
- Mobile money: about 2% partner fee
- Card: about 2.5% partner fee
- Exchange rate: set by our partner, shown before you confirm
- Meridian: flat 1%
Partner fees are estimates until launch. They vary by country and method.
What will it cost?
Transparent cost breakdown
Amount
₦2,500,000
Partner fee
Charged by our licensed payment partner
₦25,510
Meridian fee
Flat 1%. No FX markup.
₦25,510
Total cost (2.00%)
₦51,020
You pay
Amount plus fees
₦2,551,020
Recipient receives
KES 210,784.31
Typical bank route
What the same transfer usually costs today
₦225,000
You keep
₦173,980
Demo estimate. Real fees and the amount received are confirmed by our partner before you pay.
Compared with a typical bank route, you keep about ₦173,980.
How it works
Register your business
Upload your registration certificate and a director's ID. Start with small payments the same day. Upload the rest to raise your limits.
Pay a supplier
Add the supplier once. Enter the amount. See the fees and what they will receive. Pay from M-Pesa or your bank. Done.
Get paid
Send a payment link or put our checkout on your website. Your customer pays by bank, mobile money or card. You get local currency in your account.
Tell us where you send money. We build that route first.
Meridian is in development. The waitlist decides which countries and payment methods we launch with.
- Founding pricing locked for 12 months
- Early access on your route before public launch
- A direct line to the team
- One email when we go live. Nothing else.
Talk to us
Ask about a country we do not list yet, our partners, or compliance. A person replies.
Meridian is built by Appify Softwares Limited, appify.co.ke.