UAE - Africa Trade

Business payments, built for a dynamic African trade corridor

Business payments, built for a dynamic African trade corridor

Capital controls, local currency gaps, and slow SWIFT wires are the reality of trading with Africa. Hubpay's Collect and Remit service gives UAE businesses collection accounts in Nigeria, Kenya, Ghana, and across Francophone Africa with direct remittance into your UAE AED or USD account.

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Open a free account

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Book a free consulation

Regulated by ADGM

1000+ UAE Businesses

ISO 27001 certified

Grant Thornton Audited

Why UAE businesses lose money trading with Africa

African trade corridors are not like European or Asian payment routes. The same tools that work for UAE-to-UK transfers fail completely when the counterparty is in Lagos, Nairobi or Accra.

Capital controls trap your money

Most African currencies operate under foreign exchange controls. Naira, Kenyan shilling, Ghanaian cedi, CFA franc your local partner may be willing to pay, but the banking system makes it nearly impossible to move that value back to the UAE. Businesses wait months, or write off the funds entirely.

Capital controls trap your money

Most African currencies operate under foreign exchange controls. Naira, Kenyan shilling, Ghanaian cedi, CFA franc your local partner may be willing to pay, but the banking system makes it nearly impossible to move that value back to the UAE. Businesses wait months, or write off the funds entirely.

Traditional provider gap

A UAE wire to Nigeria or Ghana typically travels via SWIFT through multiple correspondent banks, each deducting fees and often fails to arrive at all. Without local banking relationships in-country, your payment either takes weeks or never clears

Traditional provider gap

A UAE wire to Nigeria or Ghana typically travels via SWIFT through multiple correspondent banks, each deducting fees and often fails to arrive at all. Without local banking relationships in-country, your payment either takes weeks or never clears

Hidden conversion losses on every transaction

Even when funds do move, the exchange rate between NGN, KES, or GHS and USD or AED is applied at the provider's discretion with markups that are never itemised. You see the number on the invoice, and a very different number in your account.

Hidden conversion losses on every transaction

Even when funds do move, the exchange rate between NGN, KES, or GHS and USD or AED is applied at the provider's discretion with markups that are never itemised. You see the number on the invoice, and a very different number in your account.

Fast, simple payments for Africa

With advanced features and a user-friendly interface, we cater to the needs of modern businesses.

Multi currency account with live rates

Hold USD, AED, EUR, GBP along with your preferred local African currencies with their live rates, all in one place.

Deposit funds in any currency

Deposit funds into your wallet in any currency you choose including AED, USD & GBP.

Competitive exchange rates

Get the best exchange rates on Hubpay, so you don't lose on currency conversions.

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Why choose Hubpay?

You deserve payments that are fast, easy, and worry-free. With our fully-licensed platform, that’s exactly what you get.

100% guaranteed deliverability

Unlike traditional banks & exchange houses, Hubpay ensures your funds are delivered with the help of our local banking partnerships.

100% guaranteed deliverability

Unlike traditional banks & exchange houses, Hubpay ensures your funds are delivered with the help of our local banking partnerships.

Fast settlements

No more waiting weeks for your funds to clear. Enjoy faster settlement times with transactions typically completed in 1 to 2 days.

Fast settlements

No more waiting weeks for your funds to clear. Enjoy faster settlement times with transactions typically completed in 1 to 2 days.

Clear transaction receipts

For your accounting and audit purposes, Hubpay ensures that every transaction is accompanied by detailed receipts and SWIFT copies for full transparency.

Clear transaction receipts

For your accounting and audit purposes, Hubpay ensures that every transaction is accompanied by detailed receipts and SWIFT copies for full transparency.

African currencies and countries we support

Hubpay has established local banking partnerships across 20+ African nations. Current active corridors for UAE businesses

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NGN

Nigerian Naira

KES

Kenyan Shilling

GHS

Ghanaian Cedi

XAF

Central African CFA Franc

XOF

West African CFA Franc

  • Nigeria

    Ghana

    DR Congo

    Ivory Coast

    Tanzania

    Uganda

    Zambia

    Gabon

    Rwanda

    Cameroon

    Niger

What makes Hubpay different for
UAE-Africa payments

01

Local in-country infrastructure

We hold local banking relationships in Africa. This means funds actually arrive, on time, in the currency your partner expects.

02

Transparent, pre-agreed FX rates

Exchange rates on African currency conversions are agreed with you upfront before each transaction not applied opaquely after the fact.

03

Full transaction documentation

Every Collect and Remit transaction is accompanied by detailed receipts, SWIFT copies where applicable, and FX confirmation documentation, ready for your CFO, auditors, or customs authorities.

01

Local in-country infrastructure

We hold local banking relationships in Africa. This means funds actually arrive, on time, in the currency your partner expects.

02

Transparent, pre-agreed FX rates

Exchange rates on African currency conversions are agreed with you upfront before each transaction not applied opaquely after the fact.

03

Full transaction documentation

Every Collect and Remit transaction is accompanied by detailed receipts, SWIFT copies where applicable, and FX confirmation documentation, ready for your CFO, auditors, or customs authorities.

Speak to a specialist

Is your business exposed to African trade corridors?

If any of the following apply to your business, Hubpay's Africa service was built for you.

You are a UAE-based importer, exporter or commodity trader with African suppliers or customers

You have funds stuck in an African currency with no compliant way to convert or repatriate

You are currently paying 5-15% above the mid-market rate on African currency conversions

Your SWIFT wires to Africa are taking weeks or failing to clear entirely

You need to pay African suppliers, contractors or distributors regularly in local currency

You are expanding into West or Central Africa and need a compliant payment infrastructure before you start trading

Submit your request & we'll revert back

Phone

Submit your request & we'll revert back

Phone

Frequently asked questions

How does Hubpay's Collect and Remit service work for UAE businesses trading with Africa?

Hubpay issues UAE businesses dedicated local currency collection accounts in Africa in NGN, KES, GHS, XAF and XOF. African counterparties pay into these local accounts in their own currency. Hubpay then converts the collected funds to AED or USD at pre-agreed transparent rates and remits directly into the client's UAE account. For outward payments into Africa, the process runs in reverse Hubpay converts AED or USD into the relevant African currency and delivers to the end beneficiaroes in Africa in NGN, KES, GHS, XAF and XOF.

Which African countries and currencies does Hubpay support?

Hubpay currently supports payments across 20+ African countries. Active local currency corridors include Nigerian naira (NGN), Kenyan shilling (KES), Ghanaian cedi (GHS), Central African CFA franc (XAF) and West African CFA franc (XOF). Contact us if your target country is not listed, we expand into new corridors regularly.

How do I get started as a Hubpay Africa corridor Treasury client for Africa payments?

UAE businesses using the Africa corridor are onboarded as Africa corridor Treasury clients with dedicated relationship management. The process starts with a consultation call where we assess your specific corridor, transaction volumes, and currency requirements. Onboarding typically takes 2-5 business days depending on the complexity of your entity structure. Speak to our Africa team to begin.

What documentation do I receive for Africa transactions?

Every Collect and Remit transaction is accompanied by detailed receipts, pre-agreed FX confirmation, and SWIFT copies where applicable. This documentation is designed to satisfy UAE audit, compliance, and customs requirements for international trade finance.

How does Hubpay handle African capital controls?

Hubpay works through local banking partnerships established within each African jurisdiction. This means payments are processed as domestic local currency transactions on the African side within the capital control framework rather than trying to bypass it. The result is higher deliverability, faster settlement, and no compliance exposure for your business.

What industries in the UAE use Hubpay for Africa payments?

UAE commodity traders, agro-food importers and exporters, manufacturing companies sourcing raw materials from Africa, and real estate investors with African operations are the primary users of Hubpay's Africa corridor. Any UAE business with recurring payment flows to or from Nigeria, Kenya, Ghana, or Francophone Africa is a candidate for Treasury onboarding.

Have more questions?

From anything to everything, get in touch with our support team

Your African trade corridor, handled.

Speak to our Africa payments team. We will assess your corridor, confirm our capability, and outline a solution within one business day.

Book a free consultation

Regulated by ADGM

ISO 27001 certified

1000+ UAE Businesses

Grant Thornton Audited