JOURNEYby Clear Vantage Systems
Meet Journey · Business payment coordination

Money moves.See every step.

Journey helps U.S. businesses pay suppliers, contractors, and teams in Nigeria and the Philippines, with every business verified and every fee shown up front.

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Clear Costs

See the full cost before you pay.

Paying abroad comes with more than a transfer fee: exchange rates that move, duties on imported goods, and tax forms for contractors. Journey puts all of it in one place before your money leaves.

Locked exchange rate

The rate you accept is the rate you get.

When you accept a quote, Journey locks the exchange rate. If the naira or peso moves while your ACH funding clears, your recipient still gets the amount on the quote.

Rate at quote1,650.00 NGN
Market moves to1,612.40 NGN
Your rate1,650.00 NGN · locked

Illustrative figures.

At the quote

Payment purpose

Tag each payment as goods, services, contractor, or software. Journey shows what applies to that kind of payment.

At the quote

Total cost quote

Rate, the 2.5% fee, and for imported goods an estimated duty and customs fee line, so the full cost is on one screen.

When you add a recipient

W-8 forms on file

Contractors fill in the right W-8 once. Journey stores it and reminds you before it expires.

At year end

Year-end pack

Totals per vendor, rates used, fees paid, and forms on file, ready to export to QuickBooks, Xero, or NetSuite.

Always on

Rule-change alerts

A heads-up when tariffs or paperwork rules change for the countries you pay.

When you need an expert

Broker and CPA handoff

One click to a licensed customs broker or CPA partner, with your payment record attached.

Journey shows and organizes. Licensed customs brokers and CPAs file and advise. Duty figures are estimates, and Clear Costs features are rolling out in phases.

Pricing

A clearer quote. By design.

One flat 2.5% fee and a locked rate. Enter an amount to see what arrives, and for goods, the estimated duties too.

$USD

Example rates from the Journey demo. In the product, the rate locks the moment you accept the quote.

You send10,000.00 USD
Journey fee (2.5%)− 250.00 USD
Amount converted9,750.00 USD
Exchange rate Locked on accept1 USD = 1,650.00 NGN
Your recipient gets₦16,087,500.00
Your total cost
Payment10,000.00 USD
Total10,000.00 USD

Services done abroad: usually no U.S. tax to withhold. Journey keeps your contractor's W-8BEN on file.

Who it's for

Same payment. Two sides served.

For businesses

Pay abroad without the guesswork

  • Know exactly what your recipient gets before you fund
  • Pay suppliers, contractors, and teams from one workspace
  • Keep a clean, exportable record for your books and audits
  • Work only with verified businesses on both sides
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For partners

Plug into pre-verified volume

  • Payout providers and banks receive flow that has already cleared KYB
  • Transparent economics: rate and fee are visible to every party
  • Shared payment records make reconciliation simple
  • Customs brokers and CPAs: receive referred clients with organized records
  • Help open the next corridor with us
Talk partnerships
Our approach

Journey coordinates. Licensed partners move the money.

Journey is non-custodial. We handle verification, quotes, and tracking. Regulated financial partners handle funding, settlement, and payout. Your funds never sit with us.

Sender
Your business
  • U.S. company
  • Pays in USD
Journey
Coordination layer
  • Business verification
  • Recipients and quotes
  • Status tracking and records
Licensed partners
Money movement
  • ACH funding
  • FX and settlement
  • Local payout
Recipient
Your partner abroad
  • Nigeria or Philippines
  • Paid in NGN or PHP
Compliance first

No payment moves until the business behind it is verified.

Nothing hidden

Rate, fee, and amount received are shown before you commit.

One record

Each payment is a single traceable record from quote to delivery.

Questions

Good to know

Does Journey hold my money?

No. Journey is non-custodial. It coordinates the payment, while licensed financial partners handle funding, currency exchange, and payout.

Who can use Journey?

U.S.-based businesses that pay suppliers, contractors, or team members in Nigeria or the Philippines. Each business completes a one-time verification (KYB) before sending.

What does it cost?

A flat 2.5% of the amount you send. The fee, the exchange rate, and the amount your recipient gets are all shown on the quote before you fund.

Is Journey live today?

This is the demo edition. You can explore the full flow with fictional data, and no real funds move. Businesses and partners can request early access now.

Can the exchange rate change after I accept?

No. Journey locks the rate when you accept the quote. Your recipient gets the amount shown, even if the market moves while your funding clears.

Does Journey work out duties and taxes?

Journey shows estimated U.S. duties and customs fees for imported goods and keeps contractor tax forms on file. It does not file customs entries or give tax advice. Licensed customs brokers and CPAs in our network do that.

Which countries are next?

Nigeria and the Philippines come first. New corridors open as we add local partners. If you serve another market, we'd like to talk.

Early access

A clearer next step. By design.

Explore Journey in a private demo workspace with fictional data. No banking credentials needed. Businesses and partners can request early access at the Brooklyn Tech Expo or through the demo.

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