MSMEs
Small businesses accepting digital payments from customers across town or across borders.
Trade Afrika • PayAfrika
Get Paid. Anywhere in Africa. Instantly.
PayAfrika is Africa’s unified payment layer for digital trade, enabling businesses to accept and settle payments across mobile money, banks, cards, and wallets — all from a single API and dashboard.
Multi-rail payment acceptance for digital trade•One dashboard for payouts, settlements & reporting
PayAfrika Overview
Africa’s Unified Payments Layer for Digital Trade
One platform to accept, route, settle, and reconcile payments across African markets.
Multi-rail payment aggregation
Cross-currency settlement
Instant payouts across regions
Integrated with Marketplace and AfriShip for seamless trade.
Flow
Pay
Verify
Settle
Reconcile
How it works
Payments Made Simple Across Africa
A clear flow from customer payment to settlement and reconciliation.
- 1
Customer Pays
Your customer checks out using their preferred method — mobile money, card, bank, or wallet.
- 2
PayAfrika Processes & Confirms
PayAfrika routes the payment through the best rail, confirms success, and updates your systems.
- 3
You Receive Settlement
Funds are settled into your business account or designated wallet.
- 4
Withdraw or Reconcile
Withdraw funds, pay partners, and reconcile transactions with your records.
Benefits
Key Features
Everything you need to manage payments across Africa.
Multi-Rail Payment Acceptance
Accept mobile money, bank transfers, cards, and wallets through one integration.
Cross-Currency Support
Bill and settle in multiple currencies with FX handled by partner rails.
Instant Payouts
Send money to merchants, partners, and vendors in near real time.
Compliance & Reporting Layer
KYC, AML, and regulatory controls embedded into your payment workflows.
Payment Links & QR Codes
Create shareable links and QR codes for quick one-off or recurring payments.
Checkout for Marketplace Sellers
Optimized checkout flows that connect shoppers to local payment options.
Payout API for Partners
Programmatically disburse funds to sellers, riders, and vendors at scale.
Reconciliation Dashboard
Track settlements, fees, and balances with clear, auditable records.
Who it serves
Built for Businesses Driving Africa's Digital Economy
PayAfrika connects the different players in Africa’s trade ecosystem, from MSMEs and e-commerce stores to large fintechs and digital wallets.
Marketplace Sellers
Vendors on digital marketplaces who need fast and transparent payouts.
Logistics Providers
Delivery and transport partners managing COD, fees, and partner settlements.
Fintech & Platform Partners
Platforms embedding payments, payouts, and collections into their products.
Government & Development Programs
Initiatives disbursing funds, incentives, or stipends across multiple regions.
Ecosystem-ready
One Payment Infrastructure, Endless Integrations
Connect PayAfrika seamlessly with your commerce, logistics, and financial systems.
Trade Afrika Marketplace
Collect payments from marketplace orders with built-in settlement and reporting.
AfriShip Logistics
Link delivery charges and COD settlements to PayAfrika for unified financial flows.
API & Webhook Integration
Connect PayAfrika directly into your platforms, ERP, or custom applications.
FAQ
Frequently Asked Questions
Which payment methods does PayAfrika support?▼
PayAfrika can support a mix of mobile money, bank transfers, cards, and digital wallets, depending on your market and integration.
In which countries can I use PayAfrika?▼
PayAfrika is rolling out across multiple African markets. Contact our team for the latest coverage and timelines.
How do settlements work?▼
Settlements are batched or real-time depending on your configuration. You can settle to bank accounts or designated wallets.
How is pricing structured?▼
Pricing is based on transaction volume, rails used, and your risk profile. We can provide custom pricing for platforms and institutions.
Can I integrate PayAfrika into my own platform?▼
Yes. PayAfrika offers APIs, SDKs, and webhooks so you can embed collections and payouts directly.
Start Accepting Payments Across Africa.
Plug into PayAfrika once and unlock multi-rail payment acceptance, settlements, and payouts for your business.