> ## Documentation Index
> Fetch the complete documentation index at: https://docs.business.blaaiz.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payroll for distributed teams

> Pay employees and contractors in their local currency from a single wallet

Pay employees and contractors in their local currency, regardless of where your company holds funds. Fund a single wallet and run payouts to team members across NGN, GBP, EUR, CAD, and USD.

## How it works

```mermaid theme={null}
flowchart LR
    A[Fund your USD wallet] --> B[Blaaiz converts + routes]
    B --> C[Employee in Nigeria - NGN]
    B --> D[Contractor in UK - GBP]
    B --> E[Contractor in EU - EUR]
    B --> F[Employee in Canada - CAD]
```

## Step-by-step

1. **Fund your wallet** — Deposit funds into your business wallet via [Virtual Bank Account](/guides/virtual-bank-accounts) transfer or any supported collection method.
2. **Create employees as customers** — [Create a customer](/api-reference/customer/create) for each team member. Salaried employees are typically `type=individual` and use the standard KYC flow. If your team includes incorporated contractors paid through their company, use `type=business` and follow the [KYB flow](/guides/kyb/overview) for those records.

   <Note>
     NGN payouts to a `type=business` recipient work today. For other currency rails on business recipients, contact [support@blaaiz.com](mailto:support@blaaiz.com) before relying on them — coverage is evolving.
   </Note>
3. **Preview costs** — Call [Fee breakdown](/api-reference/fees/get-breakdown) for each payout to calculate the FX rate and fees before committing.
4. **Run payouts** — [Create a payout](/api-reference/payout/create) for each employee. Use `to_amount` to guarantee each person receives the exact salary amount in their local currency.
5. **Confirm delivery** — Listen for `payout.completed` webhooks to confirm each payment landed.

<Note>
  Use `to_amount` for payroll so employees receive the exact agreed salary regardless of fee or FX fluctuations. Your wallet is debited the converted amount plus fees.
</Note>

## APIs used

* [Create customer](/api-reference/customer/create)
* [Create payout](/api-reference/payout/create)
* [Fee breakdown](/api-reference/fees/get-breakdown)
* [Webhook events](/guides/webhooks/events)