Onboard Global vs Zap by Paystack

You live and work across borders. Your money should too. Onboard gives you a global account to receive USD and stablecoins, a USD card to spend anywhere, and the freedom to move money wherever work takes you. No borders, no hidden fees. Trusted by 70,000+ freelancers, founders, and remote workers in 142+ countries. GET PAID IN USD OR STABLECOINS - Open a free USD account in your name with no setup fees. - Receive USD from Deel, PayPal, Upwork, or even directly from clients. If you’re paid in stablecoins (USDT/USDC), you can receive that too. - Zero deposit fees. If you earn $1,000, you’ll see $1,000 in your Onboard USD balance, just as it should be. SPEND ANYWHERE, ONLINE OR OFFLINE - Use your Onboard USD Card to pay for tools like ChatGPT or Canva, book flights, or even shop in-store. - Works smoothly with Apple Pay & Google Pay for offline payments. Just tap to pay. - Fund your card in seconds with cash or stablecoins, and spend freely anywhere. SEND MONEY TO YOURSELF OR OTHERS, INSTANTLY - Send money to friends, family, or businesses anytime, anywhere. - Withdraw locally in USD, NGN, IDR, KES, and more within minutes. - Withdraw to any crypto wallet in USDT, USDC, and more. Fast, easy and secure. - Enjoy real-time, better-than-market rates that help you keep more of what you earn. GET SUPPORT THAT ACTUALLY SUPPORTS YOU - No chatbots. No waiting. Just real human support that responds in under 5 minutes. - Move $1K+ monthly? Enjoy a dedicated Relationship Manager to handle payments, resolve issues faster, and keep your global transactions running smoothly. GLOBALLY LICENSED. ALWAYS SECURE - Onboard is licensed in Canada, the US, and the EU, so your money always move safely and securely. Onboard helps you take full control of your money wherever work takes you, giving you the freedom to work, earn, and grow without borders. Supported currencies for funding: USD, EUR, Nigerian Naira (NGN), Indonesian Rupiah (IDR), Kenyan Shillings (KES) and more Supported currencies for withdrawals: USD, EUR, Nigerian Naira (NGN), Indonesian Rupiah (IDR) and more COMPLIANCE DISCLAIMER Onboard is a technology platform, not a bank. Financial services provided through Onboard may be facilitated by third-party licensed financial institutions. Gopay Financial Services Inc., doing business under the brand name Onboard Pay, is a federally incorporated Canadian corporation (Corporation Number: 1666979-4) with its registered office at 3080 Yonge St, Suite 6060, Toronto, ON M4N 3N1, Canada. Gopay is registered with FINTRAC as a Money Services Business (MSB) under registration number C100000565. Onboard Digital is registered as a Money Services Business (MSB) with the United States Financial Crimes Enforcement Network (FinCEN) under registration number 31000293152346. Onboard Digital is a wholly owned subsidiary of Nestcoin Holding Limited, a company registered in the British Virgin Islands (BVI) under company registration number 207469, with its registered address at Intershore Chambers, Road Town, Tortola, British Virgin Islands. Nestcoin Europe Sp. z o.o. (KRS National Register No.: 0001137184) is registered in Poland as a Virtual Asset Service Provider (VASP) and is officially listed in the Virtual Currency Business Activity Register, maintained by the Director of the Revenue Administration Chamber in Katowice under registration number RDWW-1639. All trademarks, service marks, and registered marks belong to their respective owners.

Zap is built by Paystack to do one thing well: make spending effortless, reliable and organized, every single time. Backed by the infrastructure powering thousands of Nigeria's most trusted businesses. Here's what that looks like in practice.
 NO BLOAT. JUST CLEAN, FAST PAYMENTS • Zap is designed to be clutter-free. No unnecessary screens, no confusing menus, just a clean, super-fast payment experience that gets out of your way.
 FINALLY KNOW WHERE YOUR MONEY GOES • Zap automatically categorises your spending and surfaces insights about your financial habits. See patterns, track what matters, and stop guessing at the end of the month.
 PAY LIKE A LOCAL WITH APPLE PAY • Visiting Nigeria? Use Apple Pay to send money to any Nigerian bank account. No local bank account needed, no currency conversion hassle. Pay like a local from the moment you land. PAY A WIDE RANGE OF BILLS • With Zap, you can buy data and airtime, pay for electricity, renew DSTV, get Apple and PlayStore gift cards, and top up your XBOX, PS5, and mobile games without leaving the Zap app. PAY THE SAME PEOPLE FASTER • Zap remembers everyone you pay. Repeat any transfer in two taps without re-entering account numbers. SCAN TO PAY • Point your camera at any account number, whether on a payment decal, receipt, invoice, or phone screen, and Zap reads the digits and finds the bank for you. No more typing long numbers or second-guessing. ALL YOUR BANKS, ONE APP • Connect whichever banks you use and move money from them without switching apps. 
 PAY AT ANY PAYSTACK CHECKOUT • Zap works natively at thousands of Paystack-powered businesses across Nigeria. Pay directly from Zap with just a few taps. It’s faster than any other payment method. FAST, RELIABLE AND SECURE EVERY TIME • Built on Paystack's infrastructure, every transfer is encrypted and protected. Your money moves securely, and when it lands, you'll know immediately. Zap is not a bank. Deposits are held with our licensed banking partner. Zap is a product of Paystack Payments Limited, licensed by the Central Bank of Nigeria.