What is Smart Invoicing?

Smart Invoicing is a TranzyPay feature that lets a business issue an invoice in its customer's local currency while automatically receiving settlement in USD, GBP or EUR, converted at an optimised FX rate window rather than the rate at the moment of payment.

Which currencies can I invoice in?

Currently, Smart Invoicing supports invoicing in Nigerian Naira (NGN). We're actively working to expand to other currencies, including Ghanaian Cedi (GHS) and Kenyan Shilling (KES).

Which currencies can I settle in?

Settlement is available in USD, GBP or EUR.

How is the FX rate determined?

TranzyPay converts payments at an optimised FX rate window rather than applying the live market rate at the exact moment your customer pays.

Where does the money go while it's being converted?

Customer payments settle into your TranzyPay balance, where the FX conversion and settlement into USD, GBP or EUR then takes place.

Is there an audit trail for FX rates applied to my invoices?

Yes. Each invoice's lifecycle (issued, paid, settled) is tracked, and the FX rate applied is visible for audit and reconciliation purposes.

SMART INVOICING

Bill customers in their currency. Get settled in yours.

Name: Smart Invoicing
Brand: TranzyPay

Invoice in your customer's currency. TranzyPay converts and settles into your USD, GBP or EUR balance, fully audited.

TALK TO SALES SEE HOW IT WORKS

Invoice

#1042

Issued

Customer pays in NGN

₦0

FX applied: 1 GBP = 2,063.83 NGN

Settled to your balance

£0.00

Issued

Paid

Settled

Sample figures for illustration.

Currency mismatch is costing you deals and margin.

Corporates selling across borders face a familiar trade-off. Neither side of it is good for finance teams.

Invoice in your own currency

Lose deals to competitors who quote locally and make your customer carry the conversion.

Invoice in theirs

Take on FX risk, settlement delays and reconciliation in spreadsheets, invoice by invoice.

From invoice to settlement in five steps.

Nothing to reconcile by hand. Each step is recorded on your dashboard and on the ledger behind it.

1
Issue the invoice
Create and send an invoice in your customer's local currency, straight from your TranzyPay dashboard.
2
Customer pays locally
Your customer settles the invoice in their own currency, into their TranzyPay balance.
3
Automatic FX conversion
TranzyPay converts the payment at an optimised FX rate window, not a snapshot market rate.
4
You receive it in your currency
Funds land in your TranzyPay balance in USD, GBP or EUR.
5
Full audit trail
Every invoice's lifecycle, issued, paid and settled, is tracked and visible to you.

Built for corporates billing across borders.

Exporters and service businesses

Invoicing overseas customers who expect to pay in their own currency.

FX-conscious corporates

Quote locally without absorbing FX risk blind.

#1042 issued NGN

#1042 paid NGN

#1042 settled GBP

Finance teams

An auditable record of the FX rate applied per invoice. Not a black box.

Invoice lifecycle tracking, not a black box.

Unlike a basic invoicing tool bolted onto a payments app, Smart Invoicing tracks every invoice from issue to settlement on your dashboard and on the ledger, with FX transparency built in.

Invoice in your customer's local currency
Settle automatically in USD, GBP or EUR
Full FX transparency and audit trail per invoice

Every invoice, tracked end to end

IssuedNGN
PaidNGN
SettledGBP · USD · EUR

FX rate appliedVisible per invoice

Identity verification via KYB/KYC (SumSub)
Encrypted in transit (TLS) and at rest
Every invoice's FX rate is tracked and auditable

Common questions about Smart Invoicing

Ready to simplify cross-border invoicing?

Bill your customers the way they expect. Get settled the way you need.

TALK TO SALES