Global Spend

Make Global Payments Simpler

Issue virtual cards and automate mass payouts to employees and suppliers across 200+ countries and regions. 95% of transfers settle on the same day. Manage the entire global payment lifecycle through a single API.

Multi-channel, Global Payout Network

Settle funds instantly with zero fees and automatic reconciliation, enabling faster settlements and fund consolidation within the Zyla ecosystem.

Pay global suppliers, partners and employees in 100+ currencies across 200+ countries and regions.

Support B2B and B2C CNY payout scenarios, with settlement in minutes and built-in compliance capabilities.

Efficient Mass Payments

Initiate up to 200 payments with a single API call, making it easier to manage high-frequency scenarios such as seller settlements, platform split settlements and payroll disbursements.

Disburse funds across North America, Europe, Asia-Pacific, the Middle East, Latin America, and Africa, with support for 30+ major settlement currencies.

Process multiple transactions in one go with batch submission, approval and inquiry, end-to-end status tracking and unified reconciliation.

Localized Payments Directly to Digital Wallets

Pay 14+ major e-wallets, including OVO, GCash, bKash, DANA, and Touch'n Go, with deep coverage across key Southeast Asian markets.

Pay Chinese suppliers and partners through the Alipay ecosystem.

Accept payments directly into an e-wallet and spend them instantly without a bank account.

Issue Virtual Cards for Global Online Payments

Create virtual cards in real time via API for online payment scenarios such as digital advertising, SaaS subscriptions and digital procurement.

Set spend limits, usage restrictions and validity periods, and freeze, unfreeze or cancel cards in real time.

Settle in 15 major currencies and minimize FX costs.

Simpler API + AI-Native Integration

Simple, Fast Onboarding

Start integrating with a plug-and-play, low-friction onboarding experience. A sandbox environment can be generated automatically, without manual approval or lengthy waiting times. Go from registration to your first API call in just a few steps.

AI-Oriented Developer Center

An AI-native Developer Center designed for the full integration journey. AI-readable documentation so your agents understand our APIs, instant sandbox setup to get your environment running, installable skills that give your AI agents the ability to generate Zyla API code, and a built-in copilot to debug along the way.

One-Hour Integration

Integrate standard products in as little as one hour. Built-in testing tools and an AI debugging assistant streamline the transition from testing to production.

FAQs

1. What payment channels does Global Spend support?

World Accounts (real-time and zero fees), bank accounts (100+ currencies across 200+ countries), cross-border CNY payments(minute-level settlement with built-in compliance), and local wallets (14+ Southeast Asian e-wallets and Alipay). Virtual cards are also available for online payments. All channels are accessible via a unified API.

2. What is the maximum number of payments per mass payout?

Mass Payout supports up to 200 payments per API call, ideal for high-volume operations such as monthly seller settlements and payroll. Please note that a batch is restricted to a single currency or country. For payments to multiple countries, create separate batches per country.

3. What is the difference between virtual and physical cards?

Virtual credit cards (VCCs) are created instantly via an API to pay for digital ads, SaaS subscriptions and digital purchases. No physical delivery is required. Physical cards can be requested via the portal and support in-store swipes and ATM withdrawals. Virtual cards settle in 15 currencies with zero FX markups, and can be customized with specific limits and frozen for more granular spend control.

4. How fast do payouts settle?

95% of payouts settle on the same day. Payouts to World Accounts settle in real time. Approximately 80% of payouts to bank accounts settle on the same day, depending on the payee's country and currency. Cross-border payouts in CNY settle in minutes. Virtual card payments are completed in real time.

5. What are the transaction fees for Global Spend?

Transaction fees for Global Spend vary by payment method. Payouts to World Accounts and local clearing channels are fee-free. Fees for payouts to bank accounts depend on the destination country and payment channel used. Virtual cards support settlement in 15 currencies with zero FX markups. For custom pricing, please contact our solutions team.