Payments across
Africa.
Local pay-ins and payouts across 11 Africa markets, where mobile money — not cards — is the default way customers pay. One integration, higher acceptance, fast settlement.
How Africa pays
Mobile money is the primary rail across the region, not a secondary option layered on top of cards. Kenya runs on M-Pesa and Airtel; Ghana on MTN, AirtelTigo and Vodacom; Tanzania on Vodacom, Halopesa, Eazypesa and Airtel; Uganda and Zambia on MTN and Airtel; Benin, Burkina Faso, Guinea and Ivory Coast on MTN, Moov and Orange Money in varying combinations per market. A customer initiates the payment from their mobile wallet, not a card form.
Card acceptance is limited across the region — infrastructure and card penetration vary enough by market that mobile money and bank transfer carry the bulk of volume. Nigeria and South Africa are the exceptions, with developed bank transfer rails of their own: Nigeria clears through bank transfer across all banks plus the Verve card scheme, and South Africa runs bank transfer/EFT across all banks alongside SnapScan and Ozow.
A merchant entering African markets should plan around mobile money as the default checkout experience rather than a card form with a mobile-money fallback — conversion follows the rail customers already trust. Settlement runs in local currency per market — KES, GHS, NGN, ZAR, TZS, UGX, ZMW, XOF and GNF — reflecting how fragmented the underlying banking infrastructure is market to market, even where the payment experience itself stays consistent.
Underwriting follows the rail, not a template. A mobile money operator carries its own risk and reconciliation profile — different chargeback mechanics, different dispute signals — so we read fraud market by market rather than through one shared model. Same currency doesn't mean same coverage, either: Benin, Burkina Faso, Guinea and Ivory Coast all run on the CFA franc, but each has its own mobile money operator, which is why coverage is built per market, not per currency zone.
Africa markets
Payouts in Africa
Payouts clear back through the same mobile money or bank transfer rail a customer paid in on — M-Pesa, MTN, Orange Money or local EFT — so a payout reaches a mobile wallet or bank account the way a local business would pay it, not through a cross-border transfer a recipient has to track down. In Kenya that's a phone number, not an account number.
Onboarding hinges on the operator as much as the country. Two Kenyan merchants both routing through M-Pesa still get reviewed on their own transaction pattern — refund rate, average ticket, how spiky the volume is — because the operator's own dispute mechanics do most of the risk work, not a generic country score.
Frequently asked
Do you support card payments in Africa?
Card acceptance is limited to select markets — Nigeria and South Africa are the two where card schemes (Verve, and standard card rails respectively) run alongside bank transfer. Elsewhere, mobile money and bank transfer carry pay-ins.
What is mobile money, and how does it clear?
Mobile money is a phone-based wallet tied to a customer's mobile number rather than a bank account — M-Pesa, MTN Mobile Money and Orange Money are the operators we route through. Customers authorize the payment from their phone; no card or bank login is involved.
Can payouts reach a mobile wallet directly?
Yes — payouts settle to the same mobile money or bank rail a market's pay-ins run on, so funds land in a wallet or account customers already use, not a separate cross-border transfer, and on a timeline consistent with domestic transfers in that market.