Multi-country reward sends used to be a project. Separate vendor contracts per market. Different payment rails. Country managers chasing local fulfilment. Finance signing off on currency conversions. The whole thing could take three weeks and still end with someone in Accra receiving nothing because the local setup wasn't complete.

This is a solved problem. Here's how HR teams do it now.

The Single-Wallet Model

The architecture that makes multi-country reward sends fast is the wallet. Rather than initiating a payment every time you want to send rewards — with all the bank approval, FX conversion, and settlement delay that implies — you fund a RibiRewards wallet once and draw against it per send.

The wallet handles the currency complexity behind the scenes. When you send a RewardsCard to someone in Lagos, the value is denominated in naira. When you send one to Nairobi, it's in Kenyan shillings. You manage one balance; the platform handles the local currency experience for each recipient.

The Workflow: Step by Step

Step 1: Prepare your recipient list

A CSV with three columns does the job: recipient name, email address, and country. That's it. You don't need phone numbers, bank details, or local addresses for digital sends. For physical cards, you add a postal address column.

Step 2: Upload and assign value

Upload the CSV into your RibiRewards dashboard. You can assign the same value to everyone, or set individual values per recipient — useful if you're tiering by seniority or performance level. The value is set in your wallet currency and converted to local currency per recipient automatically.

Step 3: Add a message

Optional, but worth doing. A personalised message from the sender — even a two-line note — significantly increases how valued the recipient feels. You can write one message that goes to everyone, or customise by group.

Step 4: Hit send

Digital cards land in recipient inboxes within seconds regardless of country. The Nigeria team gets theirs at the same time as the Nairobi team, the Accra team, and the Cape Town team. No sequential processing, no country-specific delays.

Step 5: Watch the dashboard

Your dashboard updates in real time: delivery confirmed, card opened, redemption started, balance remaining. You can see the aggregate view across all countries or drill down to individual recipients.

What Each Country Gets

The multi-country send doesn't mean every recipient gets the same card. Each country has its own localised catalogue — MTN and Bolt Food for Nigeria, Safaricom and Java House for Kenya, Woolworths and Takealot for South Africa. Global brands like Netflix, Nike, and Apple come standard on every card as a baseline.

Recipients in each country see the brands that are relevant to them. A card sent to Lagos and a card sent to Nairobi on the same CSV upload will show different catalogues when the recipients log in to redeem.

Countries Live Right Now

Nigeria, Kenya, Ghana, South Africa, Egypt, Morocco, Tanzania, Uganda, Senegal, and Ethiopia are all live. Rwanda, Côte d'Ivoire, Zimbabwe, and Cameroon are coming soon. If you have team members in any of these markets, they can receive a RewardsCard today.

How Long Does It Actually Take?

For a typical end-of-quarter send — 200 recipients across five countries — the actual time from opening the dashboard to hitting send is under five minutes once your wallet is funded and your CSV is ready. The preparation (getting the recipient list from your HRIS, deciding on values) takes longer than the actual sending.

That's the shift that matters most: the bottleneck moves from logistics to data quality. Multi-country reward sends are no longer a project. They're an afternoon task.