A regulated payments API for PSPs, payroll, and remittance providers to send cross-border payouts from Canada into UEMOA bank accounts with fast settlement.
Xend Product Overview
Is Xend Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Remittance providers
- Payroll platforms
What It Does Well
- UEMOA bank payouts
- Canada-funded payouts
Things to Check
- UEMOA bank coverage
- Settlement speed
About Xend

Xend is a regulated payment infrastructure product for B2B platforms that need to pay out into bank accounts across the UEMOA (XOF) zone, particularly for PSPs, payroll, remittance, trade settlement, and travel payouts.
Key capabilities include:
- Instant bank settlement using pre-funded local liquidity, with a stated median settlement of ~8–9 seconds from initiation to confirmed deposit
- Single payouts API across 8 UEMOA countries, supported corridors include Canada → UEMOA/XOF, with supported currencies listed as XOF, EUR, USD, and CAD
- Direct bank integrations across 80+ banks, with reach stated as 30M+ bank accounts in the zone
- Deterministic tracking and reconciliation, including webhook-based status updates (TLS and HMAC-signed) and reconciliation exports in CSV, JSON, and ISO 20022
Available via Web dashboard and API (public API noted as private beta as of Q1 2026).
Targeted at PSPs, payroll platforms, remittance providers, commodity and trade settlement businesses, and travel vendors that need high-value bank deposits rather than mobile wallet rails.
Notable for its compliance posture across both ends of the Canada → UEMOA flow, citing operation by Xend Inc. as a FINTRAC-registered MSB and Xend UEMOA SA under a BCEAO Payment Service Provider licence, alongside bank-confirmed payout visibility designed for audit and reporting needs.
Xend Facts
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Frequently Asked Questions About Xend
Xend is a regulated payment infrastructure product that lets you send instant bank payouts from Canada into bank accounts across the UEMOA (XOF) zone using a web dashboard and a single payouts API. You pre-fund local liquidity, initiate payouts in supported currencies (XOF, EUR, USD, CAD), and receive webhook-based confirmations and reconciliation exports for deterministic tracking.
Xend operates on the Canada to UEMOA corridor, supporting payouts into bank accounts across eight UEMOA countries: Benin, Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal, and Togo.
You can sign up by reaching out to Xend to start onboarding, which typically takes 10–14 business days before your first live payout. Initial access is provided via a web dashboard, with the public API moving from private beta to general availability around Q1 2026.
Xend does not advertise a dedicated mobile app, and access is described in terms of a web dashboard and API, so it should be considered a web and API based service only.
Xend is best suited for B2B platforms that need to send high-value bank deposits into the UEMOA zone, including PSPs, payroll platforms, remittance providers, commodity and trade settlement businesses, and travel vendors.
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