✨ Global payments, treasury & FX — send and settle across Africa, Europe and the Americas.

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Collections

Collect PaymentsFrom AnywhereReconcileEverything

Receive international payments faster, with unified reconciliation, multi-currency accounts and automated reporting — built for businesses operating across borders.

CBN Licensed
Multi-currency Accounts
Automated Reconciliation
African business team reviewing financial reports
Live reconciliation

98%

Match Rate

Auto

Reconciliation

Platform Features

Everything you need to collect at scale

Routing, reconciliation and compliance — built for high-volume collection businesses.

Collection Methods & Routing

Flexible routing rules and multiple collection methods let you direct payments to the optimal local rail based on currency, amount and beneficiary type.

  • Local virtual accounts and IBANs
  • Mobile money integrations across Africa
  • Card acquiring with fallback routing

API-First Collections

Create collection requests, provision virtual accounts and receive webhook events for paid/failed states. SDKs shorten integration time.

  • REST API with full webhook support
  • Virtual account provisioning via API
  • SDK support for Node, Python, Java

Reconciliation & Reporting

Map remittance fields to your accounting system, download settlement reports and automate matching to invoices.

  • Customisable remittance mappings
  • Settlement reports (CSV / SFTP)
  • Auto-match to invoices

Disputes & Refunds

Track chargebacks, manage disputes and automate refund flows with clear audit trails for every transaction.

  • Chargeback tracking and alerts
  • Automated refund flows
  • Full audit trail per dispute

Core Capabilities

Core Capabilities

Virtual accounts, mobile money, reconciliation and dispute management.

Virtual & Local Accounts

01

Virtual & Local Accounts

Provision account identifiers in multiple countries for local collection and faster reconciliation.

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Mobile Money Collections

02

Mobile Money Collections

Accept payments across M-Pesa, MTN MoMo, Airtel Money and other major African mobile money networks.

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Card Acquiring & Bank Transfers

03

Card Acquiring & Bank Transfers

Multiple acquiring partners and local bank rails to maximise acceptance and minimise failures across different payment types and geographies.

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98%

Auto-reconciliation Rate

140+

Currencies Accepted

<2min

Average Match Time

Testimonials

Trusted by Growing Businesses

Trusted by merchants and enterprises for secure, seamless international money transfers.

Lagos Logistics Co. testimonial
Lagos Logistics Co.
Reconciliation used to take our team two full days each month. With Pilot Finance it's done automatically overnight — our CFO couldn't believe it.

Lagos Logistics Co.

Finance Director, Lagos Logistics Co.

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Ready to movemoney globally?

Open your Pilot Finance business account today — global payments, simplified. No hidden fees, no slow settlements.

CBN Licensed
256-bit Encryption
140+ Currencies
Create accountTalk to sales

No credit card required · Free sandbox access

125M+

Successful Payments

24hrs

Average Settlement

140+

Supported Currencies