Payment Gateway Africa Pricing: A Quote Shaped by Your Project

Payment Gateway Africa is a payment gateway in Africa that handles three distinct money movements. Each one is described separately in your proposal because each follows its own path and has its own cost logic.

Pay-ins. These are payments your customers make to you through a local method, such as M-Pesa in Kenya, Wave or Orange Money in Senegal, or D17 and Flouci in Tunisia. The full method list for each market is on the countries we cover page.

Payouts. These are transfers from your project to your own customers, for example refunds, winnings or marketplace earnings. Payouts are offered where available for the method and project, so your proposal states exactly which routes include them.

Settlement. This is the transfer of your accumulated balance from Payment Gateway Africa to you, the merchant. Merchant settlements use same-day dispatch (T+0), meaning Payment Gateway Africa releases the funds on the day itself. This timing covers dispatch only. Bank posting times vary, so when the money appears in your account depends on your bank or receiving provider.

Keeping these three lines apart lets you see what each part of your payment operation costs, instead of reading one blended figure.

Terms are set per project and recorded in the proposal you sign. The main inputs we review are listed below.

Markets. Which of the seven countries you need: Kenya, Egypt, Ethiopia, Senegal, Tunisia, Mali or Guinea. Each market has its own set of local payment methods.

Methods. Which wallets and local transfer options you want enabled in each market. The mobile money payment methods page explains how mobile money payments work in an online checkout.

Operation mix. Whether you need pay-ins only or also payouts, and how you expect volume to split between them.

Expected volume and transaction profile. Your projected monthly volume and typical payment sizes help us shape terms that fit your business.

Business model and review outcome. What you sell and how your platform operates are assessed during merchant verification, described on our AML and KYB requirements page.

Connection type. You can connect through the Hosted Payment Page or directly via H2H API. Both are ways to connect to the same gateway; the integration guide explains the difference.

Existing merchants can activate additional supported payment methods without any connection surcharge. Your connection price stays the same however many methods you enable.

For a merchant already live with Payment Gateway Africa, switching on a method that is already supported can often be completed within one day. If you start in Kenya with M-Pesa and later want Ethiopian customers to pay with CBE Birr or M-Pesa (Ethiopia), the extra method does not raise your connection price.

This applies to methods we already support. It does not mean free onboarding, zero transaction terms or a fixed timeline for new merchants. Processing terms for any new method or market are still agreed in your proposal.

Every project includes status updates sent to your backend through postbacks and webhooks, so your order records reflect each payment result. These notifications go to you, the merchant; Payment Gateway Africa does not send separate notifications to your customers.

Our overall transaction success rate is 85%, measured as successful transactions divided by all transactions. This is a product-wide figure, not a per-country or per-method result.

Controls that protect your account and your customers are outlined on our security overview.

1. Tell us about the project. Share your markets, preferred methods, expected monthly volume and whether you need payouts. The get started form collects all of this in one place.

2. Complete merchant verification. We review your business under our KYB process. The documents you provide help us confirm which routes and operations fit your project.

3. Review and sign. You receive a written proposal covering pay-ins, payouts where available and T+0 settlement. Once it is agreed, you move to a test project and then to go-live.

Have a question before you apply? Use our contact page and the team will reply to your business email.

Before you request a proposal, confirm the methods available in each market you plan to serve. You can see M-Pesa collections in Kenya, phone-number wallet payments in Egypt, CBE Birr and M-Pesa in Ethiopia, Wave and Orange Money in Senegal, D17 and Flouci in Tunisia, Wave, Orange Money and Moov Money in Mali and Orange Money in Guinea.

Listing the exact methods you need in your request is the fastest way to get an accurate proposal.