Finex Pay for businesses
See the quote first.
Then decide how to pay.
Tell us who you pay and where. Once your routes are confirmed, every payment comes with the exchange rate, our fee and the amount that arrives, before any money moves.
Review your quote
ExampleKestrel Textiles Ltd
Supplier · UK bank account
Total you pay
R 10,000.00
They get
£406.64
- Fees included
- R 130.00 (1.3%)
- Amount converted
- R 9,870.00
- Exchange rate
- 1 ZAR = 0.0412 GBP
- Pay by
- Bank transfer
- Quote status
- Ready to review
- Part of the Finex SA Group
- Finex Pay (Pty) Ltd (registration number 2017/210562/07) is one of the Finex SA Group companies.
- Built on the Group’s own technology
- Supported by Finex Technologies, the team behind the Group’s payment software.
- We don’t hold your funds
- Finex Pay does not receive or hold funds. We facilitate transactions between licensed entities.
- Identity-checked accounts
- ID document, face check, a code to your phone and a PIN.
What every quote shows
One quote.
Every number in view.
Before you get payment instructions, Finex Pay puts the full cost on one screen. Here is the example quote, line by line: our fee is included in what you pay.
Total you pay
R 10,000.00
Everything you pay. Our fee is already included, so we don’t add anything at the end.
Fees included
R 130.00 (1.3%)
The Finex Pay fee, in the currency you pay with and as a percentage. It comes off before your money is converted.
Amount converted
R 9,870.00
What’s left after the fee. This is the amount that’s exchanged.
Exchange rate
1 ZAR = 0.0412 GBP
The rate used for this quote. Your rate is locked when you confirm the quote. Compare it before you confirm.
They get
£406.64
Amount converted × exchange rate. This is what your recipient receives.
Payment instructions
Bank transfer
How to pay, the amount, your reference and how long you have to pay. Pay within the time shown; if you don’t, the rate expires and you’ll need a new quote, which you confirm and pay.
Example only: the rate, the fee and the ZAR → GBP route are illustrations, not live offers. The routes open to you are shown when you sign in.
Ways to pay
Bank transfer from your own bank account, using the amount and reference in your payment instructions. Your quote shows the ways to pay for your route before you pay.
How it works
Four steps.
Then your first payment.
- 01
Talk to our team
Start with a conversation about who you pay, where and how often.
- 02
We confirm your setup
We confirm the documents we need, your onboarding and the routes available to your company.
- 03
Review every quote
Each payment shows the rate, our fee and the amount that arrives before your team pays. Your rate is locked when you confirm the quote.
- 04
Pay with the instructions
Use the amount and reference in the instructions, and keep the reference for your records. Pay within the time shown; if you don’t, the rate expires and you’ll need a new quote, which you confirm and pay.
For businesses
Cross-border payments
your finance team can check.
Finex Pay focuses on payment gateways and digital value exchange for merchants and partners, supported by the Group’s own technology. It starts with a conversation about how your business pays and gets paid.
Supplier payments across borders
Pay suppliers and partners abroad on the routes confirmed for your company, with the rate, fee and amount that arrives shown before each payment.
Payment gateways
Discuss payment acceptance for your business and how it fits into the experience you offer customers.
Digital value exchange
Explore payment flows between wallets, accounts and partners within the Group’s services.
Integration support
Work with Finex Pay and Finex Technologies on the practical requirements of a payment integration.
What we’ll confirm with you
- 01
Your company
Where you operate, what you do and who owns the payment relationship.
- 02
Your routes
Who you need to pay and which currencies you use.
- 03
Your payment flow
Typical amounts, how often you pay and how your team prefers to fund payments.
Bring these details to the first conversation. Business onboarding and supported routes are confirmed for each company before the first payment.
Part of the Finex SA Group
- Finex Technologies
Finex Technologies (Pty) Ltd
Builds and maintains the software behind the Group’s wallets, workforce payments, remittance services and payment connections.
- Finex Treasury
Finex SA (Pty) Ltd (treasury outsourcing)
Helps businesses manage foreign currency exposure, international payments and treasury operations.
- Finex Money
Finex Money (Pty) Ltd
A mobile wallet and linked Mastercard. For employers, FINEXflow connects workforce payments to employees’ Finex Money wallets.
For individuals
Know what arrives
before you send.
Your recipient registers too
They need their own Finex Pay account and pass the same identity checks as you before you can pay them.
One total, fee included
The amount you pay already includes our fee, and your quote shows what your recipient gets after it.
Works in your browser
Use Finex Pay in your phone’s browser, or add it to your home screen.
Add a recipient
ExampleTheir mobile number
Verified on Finex Pay. Lerato Dube has a verified account and can receive payments.
Receives in
GBP · UK bank
Next step
Review your quote
Guardrails
The promise is clear.
So are the guardrails.
No payment without your go-ahead
A quote is not a payment. You see the numbers first, and nothing moves until you pay using the instructions.
Rate locked when you confirm
Your rate is locked when you confirm the quote. Pay within the time shown; if you don’t, the rate expires and you’ll need a new quote, which you confirm and pay.
Only routes you can use
If a route isn’t available to your account, the app won’t offer it.
Recipients are verified too
In the app, you can only pay recipients who have their own verified Finex Pay account.
Straight answers
Questions people ask
before they pay.
- Does my recipient need to register?
Yes. Your recipient needs their own Finex Pay account before you can pay them. They sign up with their mobile number and pass the same identity checks as you, so both sides of every payment are verified.
- What is Finex Pay?
Finex Pay is the Finex SA Group company for merchant and alternative payments. It focuses on payment gateways and digital value exchange for merchants and partners, and lets registered customers make cross-border payments with the full quote in view before they pay.
- Does Finex Pay hold my money?
No. Finex Pay does not receive or hold funds. We facilitate transactions between licensed entities.
- How is the fee charged?
The fee is included in the amount you pay. We take it off before converting, and your quote shows the fee, the amount converted and what your recipient gets.
- When is my rate locked, and what if I don’t pay in time?
Your rate is locked when you confirm the quote. Pay within the time shown; if you don’t, the rate expires and you’ll need a new quote, which you confirm and pay.
- Where can I send money?
Routes depend on the currency you pay with and the currency your recipient receives. Sign in to see the routes open to your account. Businesses confirm their routes during onboarding.
- Is there a minimum amount?
Payments to rand (ZAR) accounts must deliver at least R50 to your recipient. If an amount is below the minimum for its route, the app tells you before you continue.
- How do I get help or make a complaint?
For help or to make a complaint, call 0861 111 842 or use the Finex Pay contact form. Complaints should first be raised with Finex Pay. If you are unsure which ombud can assist, the Ombud Council can guide you.
Get started
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