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Collect from anyone. Pay anyone.
Collect ZAR from third parties and pay ZAR out to third parties, with settlement confirmation, unified reconciliation, and compliance screening on every payout.
Regulatory basis
Compliant & regulated
A registered payment provider in every market we serve.
Compliance
Built In
Sanctions screening on every beneficiary. Transaction monitoring across every flow.
Everything you need to collect and pay out in ZAR
Luno Settlements provides ZAR collections and ZAR payouts for businesses moving money into or out of South Africa. Every flow runs through a registered Third Party Payment Provider (TPPP), giving platforms a regulated route into local settlement without building their own banking infrastructure in South Africa.
01
ZAR collections
Receive ZAR from third parties into your account.
02
ZAR payouts
Pay ZAR out to third-party beneficiaries.
03
Settlement confirmation
Every instruction is confirmed once settled.
04
Reconciliation
Match and reconcile every flow, with a full audit trail.
05
Batch payouts
Pay multiple beneficiaries in a single request, each processed and reported independently.
Built for platforms moving money into and out of South Africa
Foreign platforms with a South African leg
Pay ZAR to South African beneficiaries or collect from South African payers, without building your own local stack.
B2B platforms serving trade-finance clients
Collect or disburse ZAR as part of your clients' trade settlement flows.
Domestic South African fintechs
Consolidate a fragmented stack of FX and payout providers into one.
Embedded-finance and stablecoin-native platforms
Use ZAR collections or payouts as one leg of a broader multi-currency operation.
Akses pelbagai pengguna
Likuidasi dalam
Dapatkan akses likuidasi menerusi pasaran kripto dan fiat dengan impak pasaran minimum
Infrastruktur boleh dipercayai
Sistem terbukti dan kukuh dalam menyokong dagangan berskala besar
Tell us about your flows
Complete the form below and a member of our team will get in touch to discuss your requirements.
Frequently asked questions
What is Luno Settlements?
An API-first product for collecting ZAR from third parties and paying ZAR out to third parties, with settlement confirmation, reconciliation and compliance screening on every flow.
How is this different from the OTC desk?
OTC is for executing large-value trades through a private desk. Luno Settlements is for ongoing collections and payouts on behalf of your own customers. Many customers use both together.
How does settlement confirmation work?
Every instruction is reconciled and confirmed once settled, with a full audit trail you can verify.
What compliance screening is applied on payouts?
Every beneficiary is screened against sanctions lists before a payout is made, with transaction monitoring running across every flow.
Is pre-funding required?
Yes. We don’t currently support post-trade settlement for this product, so you fund us with the cash value of what you want paid out before we process it.
What’s involved in integrating?
Luno Settlements is API-first. Full documentation is available through the developer hub.
Which markets are covered today?
South Africa, in ZAR.
What’s the regulatory basis?
Luno Settlements operates under a TPPP registration.
Can foreign entities use this without a South African entity?
Yes. Luno Settlements operates under its own TPPP registration, so foreign platforms can collect and pay out ZAR without registering a South African entity themselves.
How much does it cost?
Pricing is set per customer, based on your volume and requirements. There’s no standard published rate.
INSTITUSI