Products / Virtual Accounts
Receive International Payments Instantly
Get virtual bank accounts in USD, EUR, GBP. Receive payments from platforms like Upwork, PayPal, Stripe directly into your Upesa wallet.
THE CHALLENGE
Receiving international payments shouldn't cost a fortune
Freelancers in Africa face high fees and slow payouts. Upesa removes these barriers.
Excessive Transfer Fees
Losing 5–10% to fees every time you receive an international payment silently drains your earnings over time.
Slow Settlement Windows
Waiting days for payments to arrive impacts cash flow and makes financial planning nearly impossible.
No Local Bank Account Support
Many international platforms require a US or European bank account to pay out. African professionals are left out.
Complex Compliance Requirements
Setting up foreign accounts often requires in-person visits, extensive documentation, and months of waiting.
THE SOLUTION
Your global bank account, ready in minutes
Upesa gives you dedicated virtual accounts in USD, EUR, and GBP with real account details — routing numbers, IBANs, and sort codes — so any platform or client can pay you just like a local.
Built on Stellar Blockchain
Get actual routing numbers, IBANs, and sort codes — not just a virtual wallet. Works with Upwork, Youtube, Tiktok and more.
Instant Settlement
Funds arrive in your Upesa wallet within minutes of being sent. No multi-day delays or rediculous fees
Zero Maintenance Fees
Create and hold virtual accounts at no cost. No monthly fees, no minimum balance requirements, no inactivity penalties.
Multi-Currency Support
Hold USD, EUR, and GBP balances separately or convert to NGN. Manage all currencies from a single dashboard.
Supported Currencies
Three currencies, one wallet
Receive payments in USD, EUR, or GBP — each with a dedicated account and full banking credentials.
United States Dollar
Receive payments from US-based platforms like Upwork, Fiverr, Amazon, Stripe, and PayPal directly to your US bank account details.
ACH routing number & account number- FedWire support
- Same-day ACH settlement
Euro
Accept payments from European clients, marketplaces, and platforms. Full IBAN details enable seamless SEPA transfers from anywhere in the Eurozone.
- Full IBAN & BIC details
- SEPA & SEPA Instant support
British Pound Sterling
Receive pound sterling payments from UK-based clients and platforms. Real sort code and account number compatible with all UK banking apps.
- UK sort code & account number
- Faster Payments
- Works with all UK banking apps
FEATURES
Everything in your virtual account
Designed to make receiving international payments as simple as possible.
Multi-Currency Accounts
Get dedicated USD, EUR, and GBP accounts with real credentials. Switch between currencies instantly from one dashboard.
Instant Inbound Settlement
Payments arrive in minutes, not days. Real-time notifications when funds land — never wonder if your payment arrived.
Zero Maintenance Fees
No monthly account fees, no minimum balance, no dormancy charges. Hold your account and your money for free.
Instant FX Conversion
Convert received USD, EUR, or GBP directly to NGN or USD with competitive exchange rates and transparent pricing.
MPC-Secured Wallet
Every virtual account is backed by MPC technology — no single point of key failure. Enterprise-grade protection for your funds.
Transaction History
Full audit trail of all incoming and outgoing transactions. Export statements for tax purposes or client reporting.
FAQ
Frequently asked questions
Everything you need to know about virtual accounts
Yes. Upesa virtual accounts come with real account credentials — routing numbers for USD, IBANs for EUR, and sort codes for GBP. These are dedicated accounts assigned to you, not shared pooled accounts. Any platform or person can send money to these details just like any regular bank account.
Get your virtual account in minutes
From download to receiving your first international payment — it takes less than 10 minutes.
Download Upesa & Sign Up
Download the app on iOS or Android. Sign up in 2 minutes with email and password.
Select Personal Purpose
Select "Personal Purposes" in onboarding to access wallet features.
Complete KYC Verification
Submit a government ID and selfie. Users are verified quickly.
Get Your Account Details
Your virtual account credentials for USD, EUR, and GBP are generated instantly.
Start Receiving Payments
Link your account to Upwork, PayPal, or Stripe. Funds arrive instantly.