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  • imageAcquiring
  • Alternative Payment Methods
  • Alternative Payment Methods
  • API integration
  • Banking as a Service (BaaS)
  • Banking Solutions
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  • Blockchain Development
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  • Contactless Payments
  • Contract Drafting and Review
  • Credit Card Processing
  • Cross-Border Payments
  • Crypto Acquiring
  • Crypto exchange
  • Crypto Payment Gateway
  • Crypto Solutions
  • Cryptocurrency Exchanges
  • Cryptocurrency Trading
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  • Financial Services
  • Financial Technology
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  • Highrisk Merchant Accounts
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  • Open Banking Solutions
  • Payment Gateways
  • Payment Infrastructure
  • Payment Processing
  • Payment Processing Solutions
  • Payment Processors and Gateways
  • Payments and Transactions
  • Peer-to-Peer (P2P) Payments
  • Personal Finance Management
  • Point of Sale
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  • Regulatory Compliance
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  • Stock Trading
  • Traditional Banks
  • Traditional Payment Processors
  • Traditional Payment Processors
  • Transaction Services
  • Wallet Services
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Top 12 Cross-Border Payment Gateways for Africa

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  • Top 12 Cross-Border Payment Gateways for Africa

🌍 Introduction: The Cross-Border Opportunity in Africa

Africa’s digital economy is booming, with the e-commerce sector alone expected to surpass $75 billion by 2025. African merchants—ranging from startups and SMEs to export-focused enterprises—are increasingly going global. Yet, cross-border transactions remain complex due to multi-currency settlements, regulatory variations, fraud risk, and banking infrastructure gaps.

To address these hurdles, a new generation of cross-border payment gateways is stepping up, offering African merchants fast, secure, and scalable ways to transact globally. These gateways support USD, EUR, GBP, and local currencies, integrate with e-commerce platforms, and comply with KYC/AML policies across borders.

Below are the top 12 cross-border payment gateways for Africa, ranked based on their ability to facilitate international payments for African businesses.

1. Flutterwave

Headquartered: Nigeria
Coverage: 30+ African countries, US, UK, EU, Asia

Why It Stands Out:

  • Accepts payments in 150+ currencies
  • Integration with PayPal, Apple Pay, and card schemes
  • Offers virtual cards and USD domiciliation
  • Cross-border payouts to bank accounts and mobile wallets

Best For: African exporters, SaaS providers, and online marketplaces

2. Paystack (A Stripe Company)

Headquartered: Nigeria
Coverage: Nigeria, Ghana, South Africa, Kenya, US

Why It Stands Out:

  • Seamless multi-currency checkout
  • Stripe’s infrastructure enables smooth international expansion
  • Developer-friendly APIs
  • Fraud detection and real-time analytics

Best For: E-commerce and service businesses targeting global clients

3. Chipper Cash

Headquartered: San Francisco & Africa
Coverage: 8 African countries + global corridors

Why It Stands Out:

  • P2P and business payments across Africa and the West
  • Supports local and international currencies
  • Mobile-first and low fees
  • Crypto payment features

Best For: Freelancers, remittance-based businesses, fintech platforms

4. DPO Group (A Network International Company)

Headquartered: Kenya
Coverage: 20+ African countries

Why It Stands Out:

  • Accepts Visa, MasterCard, AmEx, and M-Pesa
  • Instant cross-border settlement
  • Multi-language and multi-currency checkout
  • PCI DSS Level 1 certified

Best For: Tourism, hospitality, education, and global e-commerce players

5. Thunes

Headquartered: Singapore
Coverage: 130+ countries, strong African network

Why It Stands Out:

  • Interoperable with mobile wallets, banks, PSPs
  • High-speed payouts across continents
  • Foreign exchange optimization tools
  • APIs for international payment rails

Best For: Enterprises, fintechs, and global marketplaces needing wide coverage

6. Cellulant

Headquartered: Kenya
Coverage: 35+ African countries

Why It Stands Out:

  • Connects African consumers to global merchants
  • Integrates card payments, bank transfers, and mobile money
  • Transparent cross-border fees
  • Partnered with global acquirers

Best For: Enterprises with pan-African presence needing international collection

7. PayGate (South Africa)

Headquartered: Cape Town
Coverage: Global reach via DPO integration

Why It Stands Out:

  • Full e-commerce stack: subscriptions, fraud tools, 3D Secure
  • Integrates with DPO for cross-border coverage
  • Accepts 40+ currencies

Best For: South African merchants seeking international reach

8. AZA Finance (formerly BitPesa)

Headquartered: UK & Africa
Coverage: 100+ currency pairs, Africa-focused

Why It Stands Out:

  • FX and liquidity provider for African businesses
  • Cryptocurrency-powered cross-border settlement
  • Fast international B2B payments
  • Institutional-grade compliance and KYC

Best For: Import/export companies, financial institutions, cross-border traders

9. Payoneer

Headquartered: USA
Coverage: 190+ countries including Africa

Why It Stands Out:

  • Receive payments from US, UK, EU, AU in local African currencies
  • Mass payouts for freelancers and global sellers
  • Global receiving accounts
  • Low FX conversion rates

Best For: Freelancers, Amazon/eBay sellers, SaaS exporters

10. Interswitch

Headquartered: Nigeria
Coverage: West and East Africa, global corridors

Why It Stands Out:

  • Cross-border acquiring and settlement
  • Multi-channel collections (POS, Web, USSD, QR)
  • FX options and corporate accounts
  • ISO 8583 and RESTful API support

Best For: Banks, retailers, and payment processors

11. RemitONE

Headquartered: UK
Coverage: 100+ countries, agents across Africa

Why It Stands Out:

  • Cross-border remittance infrastructure for B2C and B2B
  • White-label platform for payment gateways
  • AML/KYC engine built-in
  • Integrates with banks, telcos, and MTOs

Best For: Remittance companies and licensed payment processors

12. Kora

Headquartered: Nigeria & Canada
Coverage: Nigeria, Ghana, Kenya, and expanding globally

Why It Stands Out:

  • Payins in USD, GBP, EUR with instant NGN settlement
  • API access for developers and platforms
  • Virtual accounts and local compliance features
  • Enables African businesses to collect globally

Best For: Fintechs, subscription businesses, and software vendors

🧭 What to Look for in a Cross-Border Gateway for Africa

When choosing a cross-border payment gateway for your African business, consider:

  • Multi-Currency Support: Can it handle USD, EUR, GBP, and local African currencies?
  • Settlement Speed: Does it offer fast, reliable payouts to local bank accounts or wallets?
  • Global Compliance: Is it licensed and compliant in all jurisdictions you operate in?
  • Fees and FX Rates: Are the foreign exchange spreads and transaction costs competitive?
  • Fraud & Risk Tools: Can it protect you from fraud and chargebacks?
  • Integration Flexibility: Does it support your tech stack and preferred e-commerce platform?

🌐 Final Thoughts: Enabling Africa’s Global Ambitions

The global economy increasingly depends on seamless digital trade—and Africa is no exception. With an expanding base of digital-savvy consumers and entrepreneurs, the continent needs payment infrastructure that keeps pace. These top 12 cross-border payment gateways are not just tools—they’re enablers of Africa’s global economic transformation.

Whether you’re selling handmade crafts, digital software, or managing a fintech platform, your ability to transact globally hinges on your choice of payment gateway. Make that choice count.

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