Best ways to receive payments in Africa
How freelancers, sellers, and remote workers across Africa actually get paid - virtual USD and EUR accounts, mobile money, and processors that work with local banks where PayPal and Stripe fall short.
Updated
Compare at a glance
| Platform | Type | Fees / commission | Pays via | Founded |
|---|---|---|---|---|
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Payment platform | No account fees, FX conversion margin | Bank transfer, Mobile money | 2020 |
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Money transfer app | Free P2P within network, FX markup cross-border | Bank transfer, mobile money cash-out | 2018 |
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Payment platform | Up to 2% on currency conversion and withdrawals | Bank transfer, ATM card | 2005 |
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Payment platform | Low conversion fees at the mid-market rate | Bank transfer, Debit card | 2011 |
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Mobile money | Free deposits, tiered P2P and agent withdrawal fees | Cash agents, Bank transfer | 2007 |
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Payment processor | From 1.5% per local transaction | Bank transfer | 2015 |
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Payment processor | Local cards ~1.4%, international 4.8% | Bank transfer | 2016 |
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Mobile money | ~NGN 10 per transfer, ~0.5% agent withdrawal | Bank transfer, agent cash-out, card/ATM | 2018 |
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Mobile money | Free/low in-app transfers, agent cash-out ~0.5% | Bank transfer, agent/POS cash-out, debit card | 2019 |
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Mobile money | Tiered cash-out fees ~0.5-2% | Agent cash-out, bank transfer, ATM | 2009 |
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Mobile money | Free deposits and withdrawals, 1% P2P fee | Agent cash-out, bill pay | 2018 |
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Mobile money | Varies by country, tiered cash-out fees | Agent cash-out, bank transfer, ATM | 2011 |
Virtual USD, GBP, and EUR accounts for African freelancers - receive international payments and convert to local currency at competitive rat…
grey.co17 viewsA pan-African app for sending and receiving money across borders and locally.
chippercash.com22 viewsThe freelancer favorite for international payments - receiving accounts in USD, EUR, GBP and more, connected directly to Upwork, Fiverr, Ama…
payoneer.com27 viewsA multi-currency account with local bank details in 9+ currencies - clients pay you like a local, and conversion happens at the mid-market r…
wise.com19 viewsThe mobile money system that runs East Africa - anyone with a SIM card can receive payments, and small businesses charge through till number…
safaricom.co.ke30 viewsThe Stripe-owned processor built for Africa - Nigerian, Ghanaian, South African, and Kenyan businesses accept cards, mobile money, and bank…
paystack.com26 viewsA pan-African payments company - accept cards, mobile money, and local methods across 30+ African countries, with no-code payment links via…
flutterwave.com17 viewsA Nigerian fintech where individuals and merchants receive payments and transfer money.
opayweb.com23 viewsA Nigerian mobile-money app for receiving payments, transfers, and bill pay.
palmpay.com23 viewsMTN mobile-money service across many African markets for receiving and sending money.
mtn.com21 viewsA West African mobile-money app with low fees for receiving and sending money.
wave.com20 viewsA wide-reach African mobile money service for receiving payments and cash-out.
airtel.africa28 views