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Top 10 Payment Gateways in Africa in 2021


It is a well-known fact that Africa’s financial infrastructure is not fully developed. This has led to an increase in the number of people who are looking for alternative ways to make payments and get paid.

One such way, which has proven quite popular in recent years, is via online gateways or payment platforms.

In this blog post, we will take a look at some of the top options available on the African continent today.

We will be looking at Nigeria and South Africa majorly. What are the payment Gateways popular in these top African countries.

Top Payment Gateways in Nigeria

1) PayStack

PayStack is an e-commerce payment gateway that allows you to process card payments online. This platform also offers a merchant account with no setup cost and no per-transaction fee.

It caters to both businesses as well as individuals who need a way of collecting money from their customers via debit or credit cards, Paystack accepts Visa, MasterCard, AMEX, and Diners Club cards.

Paystack was established in 2013 and is based in Lagos Nigeria, with other offices in South Africa, San Francisco, USA, Accra, Ghana.

Their system is free to set up, with no transaction fee per sale, which makes it a great option for businesses that will be making less than 2000 transactions in any month.

2) Flutterwave

Best known for providing payment processing solutions and services to companies in Nigeria, Flutterwave is a company that offers users flexible billing options. It also provides an online transactions solution using mobile money wallet service as well as prepaid cards (M-Pesa). This gateway can be integrated easily into any website or app through its API. If you are planning to start an online business and need to receive payment from customers in Nigeria, this is one of the best options for you.

Flutterwave also offers a white label solution to help business owners save on time and money when getting started with payments. The company provides mobile banking solutions as well as POS terminals that provide end-to-end payment processing services, including card readers and even contactless payments. Flutterwave commission per transaction is 1.4% for local transactions and 3.8% for offshore transactions.

3) VoguePay

VoguePay is a mobile payment service provider that offers security and fraud protection for online retailers, both in-store and eCommerce transactions.

They allow clients to have access to mass payments to employees or contractors via direct deposit into their bank account.

4) CashEnvoy

CashEnvoy is one of the oldest and most experienced processors of local payments in Nigeria. They offer a wide range of solutions for businesses and their customers, including online money transfers, prepaid cards, POS terminals in global markets, cash-in services and other payment processing products that enable its clients to accept electronic transactions from all over the world.

5) DUSUpay

DUSUpay is a payment gateway that has been in the market since 2003. They offer payments and merchant services to companies, retail stores, and other businesses of all sizes around Africa. Their solutions are tailored for the needs of each client, with features like mobile money transfer service, online store integration, omnichannel commerce options, and more.

6) Remita

Remita is a payment gateway based in Lagos, Nigeria. They offer solutions for all types of businesses – large or small. Their features include mobile money transfers within Africa, online POS integration to any website on the world wide web, e-wallet services that are needed for digital payments offline, and more.

Remita is the ultimate payment solution for individuals and businesses who need a way to manage finances across multiple banks. With Remita, you can easily make payments, receive them in various currencies (domestic or foreign), pay bills online with an integrated banking service system that’s tailored just for your needs.

7) Interswitch Webpay

Interswitch is a Nigerian company that has been helping to shape the future of payment transactions. Their efforts have helped to redefine how people pay for their goods and services in Africa, especially as it relates to e-commerce on online platforms.

Nigerian-based Interswitch is the leading digital payments company in Africa, helping to shape an emerging and growing e-commerce sector.

Top Payment Gateways in South Africa

8) PayFast

One of the top payment gateways popular on the African continent is PayFast. This platform allows businesses to process card payments online and accepts Visa, MasterCard, AMEX, and Discover Cards as well as CashU.

Payfast has a growing partnership with leading eCommerce platforms Woocommerce, Magento, Shopify, and more.

9) PayGate

Another popular payment gateway in Africa is PayGate. This company offers a variety of affordable and reliable solutions for making payments online, as well as offline through mobile phones and bank cards.

Paygate was founded in 2006 and has headquarters in South Africa, with regional offices across Africa. PayGate offers merchants access to a variety of payment methods through their single integration, and they work closely with their global partners in order to provide you the best payment process.

10) PayU

PayU is a payment gateway that has been in operation for over ten years and offers businesses an easy way to accept payments from clients around the world. They work with global partners such as Facebook, Paypal,, Adyen, Stripe, and Worldpay which allows you to offer your customers more options when it comes to payment.

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