Cross-border payments made simple

Send Money Anywhere
With a Single Link

Create a payment link, share it with anyone, and they claim the funds in their local currency. Real-time FX rates, multiple payout methods, and full transparency.

20+
Supported Countries
6+
Payment Methods
<5 min
Avg. Transfer Time
99.9%
Platform Uptime

How SendLink Works

Four simple steps from creating a link to funds arriving in the recipient's account.

01

Create a Payment Link

Enter the amount, choose your pay-in method (card, bank transfer, or crypto), and generate a unique shareable link.

02

Fund the Transfer

Complete payment through our secure checkout. Funds are held in a trust ledger with full double-entry bookkeeping.

03

Share the Link

Send the link to your recipient via email, text, or any messaging app. They can preview the transfer details publicly.

04

Recipient Claims Funds

Recipient verifies their identity via OTP, locks in the FX rate, and chooses their payout method. Funds arrive in their local currency.

Built for Reliability

Production-grade infrastructure with financial-grade data integrity at every layer.

Real-Time FX Rates

Live exchange rates locked at claim time with a 10-minute window. No hidden markups on conversion.

Double-Entry Ledger

Every fund movement is balanced with immutable debit/credit entries for complete audit trails and reconciliation.

Idempotent API

Every transaction uses unique idempotency keys to prevent duplicate charges on retries or network failures.

JWT Authentication

15-minute access tokens with 7-day refresh token rotation. HttpOnly, Secure, SameSite cookies for CSRF protection.

Multi-Country Support

Configurable country profiles with specific pay-in and pay-out methods per corridor. Extensible provider pattern.

Full API Documentation

Interactive Swagger/OpenAPI docs, Postman collections, and comprehensive endpoint documentation included.

Flexible Payment Methods

Multiple ways to send and receive money, with more providers being integrated continuously.

Pay-In Methods (Sending)

Card PaymentsLive

Visa, Mastercard, and more via Stripe integration. Supports 3D Secure.

Bank TransferComing Soon

Direct bank transfers for larger amounts with lower fees.

CryptocurrencyComing Soon

Pay with USDT, USDC, and major cryptocurrencies.

Pay-Out Methods (Receiving)

Bank TransferComing Soon

Direct deposit to local bank accounts in the recipient's country.

Mobile MoneyComing Soon

M-Pesa, MTN MoMo, and other mobile wallets across Africa.

CryptocurrencyComing Soon

Withdraw to any crypto wallet address. Stablecoins supported.

Payout providers are under active integration. The stub provider currently simulates successful disbursements for testing purposes.

Security First

Every layer of the platform is designed with financial-grade security.

OTP verification for recipients before claim
Claim tokens with scoped JWT validation
Idempotency keys prevent duplicate transactions
Stripe webhook signature verification
CORS protection with configurable origins
Rate limiting on authentication endpoints
Immutable ledger entries for audit trails
Non-root Docker containers
Flyway-managed schema migrations

How a Transfer Moves

From the moment you hit “send” to the instant your recipient sees funds land \u2014 here's everything that happens behind the scenes.

Sender
Create Account
Sign up in seconds with just an email
Generate Link
Set the amount, pick any supported payment method
Pay Your Way
Card, bank transfer, or crypto — your choice
Platform
Payment confirmed
Provider webhook verifies funds received
Ledger entries created
Trust account debited, fees recorded, holding credited
FX rate locked
Live rate frozen for 10 minutes during claim
Funds secured
Recipient
Open the Link
Preview transfer details from any device
Verify Identity
One-time code sent to email or phone
Choose Payout
Bank, mobile money, or crypto — in local currency
Example Scenario
$100
Sent from USA
1:1,500
FX Rate Locked
150,000
Received in Nigeria

Developer-Friendly API

RESTful API with consistent response envelopes, comprehensive error codes, and interactive Swagger documentation. Includes a Postman collection for rapid testing.

API Endpoints — /api/v1
POST/auth/register
POST/payment-links
POST/payin/initiate
POST/claims/verify-otp
POST/claims/submit
GET/countries

Ready to Send Money?

Create your account and send your first payment link in under a minute. No setup fees, transparent pricing.

Explore the API