Trade payment infrastructure for Southern Africa.
We start with the payment that holds up the most trade in this region: paying your South African suppliers. Know exactly what your supplier receives and what you pay before you commit, settle once from your local bank account, and get on with buying stock.
Built for importers, wholesalers, distributors and contractors buying from South Africa. We onboard businesses market by market. Paying a South African supplier this week? We will check their account before you send it, whether or not your corridor is open yet. Or book a discovery call.
You are not buying a payment. You are buying stock.
Nobody in your business wakes up wanting a better payment rail. You want the container to leave the supplier's yard. Four things reliably stop that from happening, and all four of them happen inside the payment.
Four steps, and you only touch two of them.
The work that used to be yours — sourcing currency, chasing the correspondent bank, explaining the shortfall to your supplier — is the work we take on.
- 01
Tell us about the payment
Who your supplier is, what you owe them and the South African account they bank with. For a new supplier we verify those details with them directly before anything moves.
- 02
See the landed amount
One document showing the rand your supplier receives, the local currency you pay, the rate applied and every fee, itemised. The quote is held for a fixed window so the number cannot move while you get it approved.
- 03
You pay once, locally
From your own business account, in your own country, in your own currency. No foreign currency to source, no correspondent bank chain, no separate SWIFT charge appearing a week later.
- 04
Your supplier is paid in rand
Their South African bank account is credited with the exact figure on the quote. You both get a confirmation with a reference your supplier can reconcile against the invoice.
Built for how Southern African businesses actually buy.
You are moving real money for real stock, often to a supplier you cannot afford to disappoint. Here is why importers, wholesalers and distributors across the region let us handle that payment.
Built for Southern African trade
Purpose-built for businesses buying from South African suppliers, not a global payments network with our region added on. The corridors, the currencies and the support all point one way: your supplier in South Africa, paid in rand.
Licensed financial partners
Regulated payment services, including fund collection, foreign exchange and settlement, are delivered through licensed financial partners in each market. We can share a partner's regulatory details on request so you can verify them yourself.
We never hold your money
SwapEazi does not hold customer funds. Your payment moves from a licensed partner straight to your supplier's bank, so there is no pooled balance of ours for a creditor, a court or a bad quarter to reach.
One price, quoted up front
The exchange rate and every fee are on the quote before you commit, and held for the stated window. The licensed partner sets the rate. We show it as given and add nothing to it, and there is no charge that turns up on your statement instead of on the quote.
Proof your bookkeeper can use
Every payment produces a confirmation with the invoice reference, the rate applied, the fees charged and the receiving account. It reconciles against the invoice without a phone call, and it is what you hand your auditor.
You always know where the payment is
From quote to the moment your supplier is paid, you can see the status of the payment, and so can they. If a route is not open yet, we tell you before you send a cent rather than after.
Southern Africa into South Africa. That is the whole map.
We are not a global payments network and we are not trying to become one. One region, one destination, opened one market at a time as a licensed partner is confirmed on both ends. Here is exactly where each route stands today.
| You pay from | Currency | Supplier receives | Status | What that means |
|---|---|---|---|---|
| Namibia | NAD | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
| Lesotho | LSL | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
| Eswatini | SZL | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
| Botswana | BWP | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
| Zambia | ZMW | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
| Malawi | MWK | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
| Zimbabwe | USD | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
| Mozambique | MZN | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
| Zimbabwe | ZWG | ZAR | Waitlist | Join the waitlist for this market and we will confirm your corridor with you directly. |
Namibia, Lesotho and Eswatini have no exchange rate
All three sit in the Common Monetary Area with the rand as legal tender and their own currency pegged to it one for one. What you pay and what your supplier receives is the same number. Since September 2024 those payments no longer clear as domestic transfers and route internationally instead, which is the delay we remove.
We open corridors where the trade already is
Zimbabwe, Zambia and Mozambique carry the region's hardest currency constraints and its most persistent demand for South African stock, which is exactly why they are on this list. Join the waitlist for your market and we will confirm your corridor with you directly.
Whatever we can do for you today, we should do today.
Corridors open market by market, and yours may be a waitlist for a while. So here is something useful in the meantime, free, with nothing to buy at the end of it.
The most common fraud in cross-border trade is not a fake invoice. It is a real invoice, from a supplier you genuinely buy from, arriving with the banking details changed. It passes every check your business runs, because everything on it is true except the account number. The money goes, the stock does not, and the supplier still wants paying.
Tell us who you are about to pay. We confirm the account belongs to the business named on the invoice, and we confirm it with the supplier on contact details we source ourselves rather than the ones printed on the document. Your bank does not check this. It takes us a day and it costs you nothing.
- A written answer within one business dayFrom a person, not an autoresponder.
- One of three outcomesThe account matches the business, it does not, or we could not confirm it. We tell you which.
- Confirmed independentlyWe reach the supplier on details we find ourselves, never the ones on the invoice you were sent.
- No account, no card, no obligationYou do not have to pay through us, now or ever.
A check performed by a person, not an instant lookup, and no check removes the risk entirely. Where we cannot confirm something we say so, rather than implying that we did.
One price per payment, quoted before you commit.
No subscription, no setup fee, no minimum monthly volume. You see the whole cost as a single figure and as a breakdown, and the number you approve is the number that leaves your account.
Pricing is set per corridor, because the cost of moving each currency differs. Larger invoices and regular monthly volume carry a lower rate, quoted to you directly.
See the full breakdown- The rand your supplier receives
- The local-currency amount you pay
- The exchange rate applied, to four decimals
- The SwapEazi fee, as an amount and a percentage
- The collection and payout partner costs
- How long the quote is held
- When the funds are expected to arrive
If a cost is not on that list, it does not exist on your payment.
Businesses that buy from South Africa on a schedule.
If your supplier is in Johannesburg, Durban, Cape Town or Pretoria and you are paying them from somewhere else in the region, you are who we built this for. Company size matters less than whether the payment is repeating.
Retail and FMCG
Supermarkets, wholesalers and distributors restocking from South African suppliers on a weekly or monthly cycle.
Building and hardware
Cement, steel, roofing, fittings and finishes, where a delayed payment holds up a whole site.
Automotive and parts
Dealers, workshops and parts importers buying from South African distributors and OEM agents.
Agriculture inputs
Seed, fertiliser, chemicals and equipment, where the payment window is set by the season and does not move.
Pharmacy and medical
Pharmacies, clinics and medical suppliers buying stock and consumables from South African wholesalers.
Machinery and industrial
Plant, spares and service contracts, where deposits and progress payments have to land on agreed dates.
The questions we get before the first payment.
These come up in nearly every conversation, so they belong on the website rather than in a call you have to book.
A payments company, built by someone who has run payments.
SwapEazi is a South African company. It was started by a payments product manager with more than ten years inside the systems that move money, including Nedbank, Absa, Investec, Nederlandse Spoorwegen and EVBox.
That matters here for one reason. Knowing how settlement, exchange control and reconciliation actually behave is what stops a cross-border payments business from making promises it cannot keep on the day something goes wrong.
About the companyTrade should not wait on a payment.
We are onboarding businesses market by market. Join the waitlist and we will come back with how SwapEazi works for your corridor, your volumes and your suppliers.