Multi-currency wallet, payments and API
Move money across currencies with clarity.
GBF Payment Services gives you a multi-currency wallet, cards and payouts — every balance, fee and status shown plainly before you confirm.
Services are provided through locally licensed payment partners in each country where GBF operates.
Product preview
See the product, not a promise
Four surfaces from the product. Select one to view it.
What you get
One account, every currency you operate in
Hold balances in the currencies you work with, move money between them, and pay out to recipients — from one account.
Multi-currency wallet
Separate balances per currency with available, pending, held and restricted amounts always shown as four labelled figures.
Cards and spend controls
Issue cards with per-card limits and controls. Freeze, unfreeze and review activity without contacting support.
Payouts and transfers
Send to recipients you have approved, with the fee and total shown on a review step before anything moves.
Developer API
A versioned REST API with idempotent writes, deterministic error codes and a machine-readable OpenAPI document.
Business accounts
Team access with defined roles, payout approvals and an audit trail of every action taken on the account.
Clear status language
Every transaction states what happened in plain terms — completed, pending, held, restricted — never colour alone.
Your wallet
Four figures, always labelled
Your position is never a single unexplained number. Each currency balance reports four separately labelled figures, exactly as the platform records them.
- Available
- The amount you can spend, send or withdraw right now.
- Pending
- Amounts in flight — incoming or outgoing transactions that have not settled.
- Held
- Amounts reserved against an authorised transaction or an active review.
- Restricted
- Amounts not currently spendable, with the reason stated on the account.
How it works
From registration to your first payout
Three steps, each with a clear state and a clear next action. Nothing moves without your confirmation.
Register and verify
Create your account with an email address and a strong password, then verify the address with a one-time code.
Bind your device
Each account has one active device. Binding a new device signs out the previous one, so access stays with you.
Transact with review
Every transfer and payout shows the amount, fee, recipient and total on a review step. You confirm before anything moves.
Security
Access is bound to you and your device
Sign-in combines your credentials with a verified device. Sensitive actions ask for step-up verification, and every security event is visible on your account.
Developers
A versioned API built for integration
Idempotent writes, deterministic error codes with a request ID on every failure, and a published OpenAPI document your team can generate clients from.
A single idempotent write creates the payout and returns its state.
Idempotency-Key: 8f2c1b6e-4d0a-4f1b-9a4e-2c7d5b3a1e90
{
"amount": { "minor": 125000, "currency": "GBP" },
"recipient_id": "rcp_7QK2M4",
"reference": "Invoice 10482"
}{
"id": "pyo_3HD9TR",
"state": "pending",
"amount": { "minor": 125000, "currency": "GBP",
"display": "£1,250.00" },
"fee": { "minor": 180, "currency": "GBP",
"display": "£1.80" },
"request_id": "req_01J8Q4X2"
}Finance builds the run
Awaiting approval
A payout run is prepared from approved recipients. Amounts, fees and totals are shown before submission.
| Recipient | Amount | State |
|---|---|---|
| Adaeze OkonkwoInvoice 10482 | £1,250.00 | Prepared |
| Meridian LogisticsInvoice 10483 | £3,480.00 | Prepared |
| Jonas PetersenContract 221 | £640.00 | Prepared |
Illustrative example. Figures in the product are issued by the platform.
For business
Controls for teams, not just individuals
Defined roles, payout approvals and a complete audit trail give finance teams the oversight they need without slowing the people doing the work.
Coverage
Country by country, with licensed partners
GBF Payment Services provides services through locally licensed payment partners in each country where it operates. Corridor availability is shown in the product before you send.
Open an account in minutes
Register, verify your email, and bind your device. Your account is ready when verification completes.