Collect payments by mobile money, card and bank transfer across African markets.
In many African markets customers pay by mobile money as often as by card. This service connects your software to the providers your customers actually use, whether a pan-African gateway such as Flutterwave, a local one such as PayFast in South Africa, or a mobile-money service such as M-Pesa.
We have already built mobile-money deposits and withdrawals into our SACCO mobile banking product, so the pattern of prompting the customer, waiting for confirmation and reconciling the result is one we know.
What African Gateways includes.
Prompt the customer's phone to approve a payment, then confirm it by callback.
Card checkout and bank-transfer options through gateways that support your country.
Pay out to mobile wallets or bank accounts, for withdrawals, refunds or supplier payments.
Pay-by-bank options such as instant EFT in South Africa, where available.
USSD prompts and QR payments for customers on basic phones or at a counter.
Charge and settle in the currencies of your markets.
Every payment confirmed by callback and matched to your orders, deposits or loan repayments.
Reversals and refunds through the provider, where it allows them.
A typical flow.
We agree the countries, providers and payment methods you need
We connect your provider account in its sandbox
We test collections, failures, timeouts and payouts end to end
We switch to live credentials and go live
We handle the integration. These are the accounts and approvals that sit in your business name.
Use the provider that your customers already use. Mobile money matters as much as cards in many African markets, and we connect it the same way as a card gateway.
Mobile-money collections and payouts, used for deposits, withdrawals and bill payments. Major markets include Kenya, Tanzania, Mozambique and the DRC.
Good fit when Your customers pay by M-Pesa, as in our SACCO and utility use cases.
Mobile-money collections and disbursements in markets where MTN operates, including Ghana, Uganda, Rwanda, Cameroon, Zambia and Nigeria.
Good fit when Your customers use MTN mobile money.
Mobile-money collections across East, Central and West Africa.
Good fit when Your customers use Airtel Money.
Mobile money for customers in West and Central Africa.
Good fit when You serve French-speaking West and Central African markets.
Mobile money popular in Senegal, Cote d'Ivoire, Gambia and nearby markets.
Good fit when You sell in francophone West Africa.
A wallet and payments app widely used in Nigeria.
Good fit when Your customers are in Nigeria.
A Nigerian wallet and payments app that is expanding to other African markets.
Good fit when Your customers are in Nigeria or nearby markets.
A Nigerian mobile wallet and payments network, also used through agents.
Good fit when You reach customers through wallets and agents in Nigeria.
The leading mobile-money service in Zimbabwe.
Good fit when Your customers are in Zimbabwe.
Mobile money in Tanzania, formerly Tigo Pesa.
Good fit when Your customers are in Tanzania.
Cards, bank transfers and mobile money across several African countries.
Good fit when You collect from customers in more than one African country.
Online payments for businesses in selected African countries.
Good fit when You are a start-up or online business in a supported country.
Card and bank payment infrastructure with a long history in Nigeria.
Good fit when Your customers are mainly in Nigeria.
Cards and mobile money for businesses across East Africa.
Good fit when You sell in Kenya, Uganda or Tanzania.
Cards and mobile money across many African countries, including for travel and hospitality.
Good fit when You serve travellers and visitors across Africa.
Pan-African collections across mobile money, bank and card channels.
Good fit when You need many local channels through one provider.
A South African gateway with cards, instant EFT and wallet payments.
Good fit when You sell mainly in South Africa.
Online and in-person payments aimed at small businesses in South Africa.
Good fit when You are a small South African business, online or in store.
Payments for South Africa and the wider region, with cards, EFT and wallets.
Good fit when You want local methods across southern Africa.
Instant bank payments in South Africa, without cards.
Good fit when You want customers to pay straight from their bank.
Ranks follow a commonly cited 2026 comparison of leading providers; rankings change and are not an endorsement. Supported methods, availability by country, settlement terms and onboarding rules differ by provider and change over time, so please confirm them with the provider you choose. All names and logos belong to their owners. WhiteLabel Softwares is not affiliated with or endorsed by any provider listed, and the list is for information only.
Also see: Indian gateways · International gateways
FAQs
Yes. Mobile-money collections and payouts, including M-Pesa, can be connected as part of a project. Our SACCO mobile banking product already uses mobile-money deposits and withdrawals.
Coverage differs by provider and changes over time. Tell us the countries you sell in and we will suggest the providers that serve them.
Yes, many gateways offer both in one checkout. Otherwise we can offer both options side by side.
Yes, where the provider supports payouts, for example withdrawals to a mobile wallet or a bank account.
Related
Checkout, verification, payment confirmation and refunds with Razorpay, already used in our products, or another Indian gateway such as PayU, Cashfree, CCAvenue or PhonePe.
Stripe, Adyen, PayPal, Checkout.com, Worldpay, Airwallex, dLocal and more: cards, wallets, bank debits and local methods in your own software, with payment confirmation and refunds.
OTP login and verification by SMS, with expiry, resend limits and attempt locking, set up for India's DLT rules.
Request a demo and we will confirm what this service involves for your system.
