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Accept African mobile-money
Without the chain
Paysnapper is the mobile-money acceptance layer for merchants selling into Africa. One intermediary between us and each wallet provider. An Africa-native operations team that watches every payment, so the ones that quietly fail don't. Settlement out of local currency into crypto or fiat, across jurisdictions.
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Cards don't work the way most processors assume they do
Card penetration is low across Africa
Card penetration sits below 30% across most African markets, and below 5% for the kind of cards that work on a cross-border B2B checkout. For most of the buyers in these markets, a card-only checkout isn't competing badly. It isn't an option at all.
Stripe doesn't natively touch most African wallets
Stripe doesn't natively connect to M-Pesa, MTN MoMo, or Orange Money. Where it's available at all, it usually sits on top of a local intermediary, which adds a layer instead of removing one. The default "just add Stripe" instinct breaks here.
The chain eats every cross-border sale
Merchants accepting through stacked aggregators have been documented losing up to 7% of every cross-border sale to the layers above the wallet: fees, FX margin, and silent declines spread across processors the merchant never sees on the invoice.
One layer between your checkout and the wallet
Wallet acceptance in Africa usually runs through a stack: a global processor on top of an aggregator on top of a local partner on top of the wallet itself. Each layer is a fee and a place a payment can break. Paysnapper takes the chain down to one intermediary between us and each wallet provider.
1 hand-off. One transparent fee. Failures monitored in real time.
4 hand-offs. Up to ~7% lost across the layers. Each one is a place a payment can silently fail.
Wallets reach the buyers cards don't
M-Pesa runs Kenya. MTN MoMo runs Ghana, Uganda, Rwanda and most of central Africa. Orange Money and Wave run francophone West Africa. The GSMA's latest State of the Industry report puts Africa at the centre of global mobile money, carrying roughly two-thirds of all transaction value on earth.3 We accept directly through the wallets people actually use, country by country.
One intermediary, max
There's one connection between Paysnapper and each wallet provider. No reseller chain stacked on top. That means lower fees passed to you and fewer places a transaction can fail. The chain you pay for is the chain we show you.
Africa-native team, watching the failures cards-first stacks miss
Wallet payments fail in ways a card-centric processor doesn't watch for. USSD sessions time out before the buyer confirms. Provider-side outages stall whole corridors. Webhooks drop. KYC names mismatch. Our team of 30+ Africa specialists monitors these failure modes per country and per wallet.
Settle out cleanly, into crypto or fiat
Collecting in shillings, cedis, or West African francs is half the work. Getting that value out at a fair rate, into a currency your business can use, is the half most providers handle badly. Paysnapper settles African mobile-money revenue into crypto or fiat, across jurisdictions.
From application to processing in 48h
No bots. No tickets. A real specialist walks your application through underwriting while you focus on your business.
Submit application
10-minute form. Business type, processing volume, target markets. No setup fee required.
Underwriting review
Your dedicated manager reviews docs and matches you to the right acquiring bank for your vertical.
Account approved
Receive your MID, gateway credentials, and integration docs. Typically within 24–48 hours.
Go live & scale
Connect via API or plugin. Your manager monitors risk metrics and re-prices as your volume proves out.
A real platform behind the API
Operating principle: maximum automation across every process we run. Underwriting flows, payment monitoring, reconciliation, settlement, treasury moves, the platform handles all of it end-to-end. The team stays focused on the parts that need a human: edge cases, corridor expertise, the underwriting calls that don't fit a template.
platform
Paysnapper clients engage with a smart next-generation payment platform, built with computational capacity designed to scale for years to come.
Monitor your deps and payouts in real-time, manage provider fees across different countries, and leverage powerful analytics for better insights.
payments
Not a single transaction will slip through your fingers.
All payments are displayed on payment registers with real-time status updates. Enjoy the advantage of collecting payments in multiple currencies.
Financial and transaction reconciliations are no longer a headache. With a high level of automation, your CFO won’t need to spend hours on spreadsheets — all is already calculated by the platform.
YOUR GROWTH KNOWS NO BORDERS. NEITHER DO WE.
Africa and the Middle East represent some of the world's most exciting growth opportunities. We deliver high-risk merchant and payment solutions designed specifically for the complexity, diversity, and ambition of these regions.
PAYSNAPPER IS THE PERFECT PARTNER FOR MERCHANTS ACROSS AFRICA & THE MIDDLE EAST
With years of experience in payment processing across emerging markets and state-of-the-art payment software,
11 markets. Six wallet networks. One integration
Click a country to see local wallet coverage, settlement details, and country-specific integration notes.
| Country | Local wallets |
|---|---|
|
Benin
|
MTN MoMo Moov Money
|
|
Senegal
|
Orange Money Wave
|
|
Côte d’Ivoire
|
Orange Money Wave
|
|
Zambia
|
MTN MoMo Airtel Money
|
|
Rwanda
|
MTN MoMo Airtel Money
|
|
Tanzania
|
M-Pesa Mixx by Yas
|
Nigeria
|
M-Pesa
|
Cameroon
|
M-Pesa
|
Uganda
|
M-Pesa
|
Kenya
|
M-Pesa
|
Who Paysnapper is built for
Mobile-money spend in Africa has moved well beyond airtime and retail. The fastest-growing merchant-payment categories on these wallets are now digital services.
Streaming & digital content
Subscriptions, pay-per-view, in-app purchases. Recurring billing on rails that don't natively support card-on-file.
Startups
Early-stage and growth-stage teams launching into Africa. Sandbox in a day, real corridor in a week, transparent pricing as you scale.
E-commerce & marketplaces
Single-shot and split payments, multi-party payouts, returns flow built for wallet-first markets.
Online education & EdTech
Course fees, instalments, region-specific pricing. Built for paying a course off in shillings.
SaaS & subscriptions
Recurring billing on wallet rails, with retry logic that knows the difference between a real decline and a USSD timeout.
Other digital services
API access, professional services, any digital product sold online that doesn't fit the boxes above.
How the rails are doing right now
We watch every wallet integration we run. This is the live picture across our markets, refreshed every minute.
The half nobody else talks about: getting the money out
Collection is the easy half. Pulling local-currency revenue out at a fair rate, into something you can use, is where most providers go quiet. Paysnapper handles settlement directly.
Settle into crypto
USDT, USDC, BTC. Useful when your operating treasury is offshore and you don't want to sit on a depreciating local currency.
Settle into fiat
USD, EUR, GBP and other majors. Wire to your bank, or to a partner account, across jurisdictions.
Across jurisdictions
We move funds into the jurisdiction that matches your corporate setup. Crypto and FX rules differ sharply by country, and we follow the local rules per market. We don't sidestep them.
The Paysnapper platform is designed with our clients'
needs in mind and comes with specialized features.
orchestrates payment flows, distributing them among partnering PSPs based on priority. If a certain channel becomes unavailable, the platform automatically redirects the necessary volume of traffic to the next prioritized PSP.
feature enables simultaneous mass payouts across all payment methods integrated into the platform, ensuring seamless and efficient transactions.
APM
APM is crucial for emerging markets, providing millions of people with access to financial services where traditional banking infrastructure is lacking.
Paysnapper’s core gateway is fully integrated with the most popular mobile money providers across Africa, ensuring businesses can reach their customers. Our platform supports leading telcos on the territories such as Kenya, Tanzania , Uganda, Ghana, Rwanda, Zambia, Ivory Coast, Senegal, Mali, Cameroon, Benin, Ivory Coast. This extensive network ensures seamless transactions across key African markets.
Dashboard
You can unlock the full potential of your business.
All the essential metrics are clearly displayed, providing you with real-time insights into your payment flows, transaction statuses, reports and performance trends. The intuitive design and high-quality data visualization ensure that you can easily monitor and analyze your financial operations, making informed decisions with confidence.
We work tirelessly to ensure that global merchants can operate seamlessly in an open world.
This has never been easier thanks to the robust infrastructure built by the Paysnapper team. Multichanneling is one of our core values. We partner only with trusted local providers, while ensuring multiple backup integrations are in place. Even in the face of unforeseen challenges, our clients' businesses never stop! Show must go on!
