Payments

Every Payment Method.
One Platform. Zero Hassle.

Africa's payment landscape is the most complex on earth — 40+ mobile money operators, dozens of banking networks, multiple card processors, and different regulatory frameworks in every country. What takes most businesses months of integration work and thousands of dollars in development costs, Porsa delivers out of the box.

One platform. Every payment method. Every African market. Instant settlement.

Start Accepting Payments See All Methods
Mobile Money
Visa & Mastercard
Bank Transfer
USSD
The Challenge

Africa's Payment Complexity
Is Holding Businesses Back

While mobile money transactions in sub-Saharan Africa exceeded $800 billion in 2024, most e-commerce platforms still can't handle Africa's fragmented payment ecosystem. The result? Lost sales, frustrated customers, and businesses that can't scale.

40+ Mobile Money Operators

M-Pesa in Kenya and Tanzania. Orange Money in West and Central Africa. MTN Mobile Money across 16 countries. Airtel Money. Wave. Each with different APIs, settlement cycles, and technical requirements. Integrating even a handful of these takes months of engineering time.

Fragmented Card Networks

Card penetration varies wildly — from 40% in South Africa to under 3% in most of Central Africa. Visa and Mastercard coverage differs by country. Local card schemes like Verve in Nigeria serve 40+ million cardholders that global gateways ignore entirely.

Currency & Settlement Chaos

42 different currencies. Capital controls that restrict cross-border fund flows. Settlement windows that range from instant to 7+ business days. Exchange rate volatility that can wipe out margins. Most businesses either limit their market or accept massive financial risk.

Trust Deficit

Research shows that 67% of African online shoppers have abandoned a purchase because they didn't trust the payment page. Fear of fraud, unfamiliar checkout experiences, and limited dispute resolution mechanisms mean every checkout is a moment of truth — and most platforms fail it.

Africa Payment Landscape Infographic
Payment Methods

Every Way Africa Pays.
All Built In.

Porsa integrates every major payment method across every African market into a single checkout experience. Your customers pay the way they prefer. You receive settlement in your currency of choice.

Mobile Money

Accept payments from M-Pesa, Orange Money, MTN Mobile Money, Airtel Money, Wave, and 30+ other operators. Mobile money is how over 400 million Africans move money — and it's natively built into every Porsa checkout.

M-Pesa MTN MoMo Orange Money Airtel Money Wave

Credit & Debit Cards

Accept Visa, Mastercard, and local card schemes like Verve. Secure 3D-Secure authentication, fraud detection, and PCI-DSS compliant processing. From South Africa's card-heavy economy to Nigeria's growing digital payments — cards are handled.

Visa Mastercard Verve

Bank Transfers

Direct bank-to-bank transfers with instant confirmation in supported markets. Customers can pay from their online banking or mobile banking app without leaving the checkout. Particularly popular in Nigeria, Kenya, South Africa, and Egypt.

Instant EFT Bank Transfer Pay-by-Bank

USSD Payments

USSD-based payments work on any phone — no smartphone, no internet, no app required. Dial a code, confirm the payment, done. Critical for reaching customers in areas with limited smartphone penetration or unreliable data connectivity.

Feature Phones No Internet Instant

QR Code Payments

Generate QR codes for in-person or hybrid commerce scenarios. Customers scan with their mobile money or banking app to pay. Perfect for pop-up shops, events, or businesses bridging online and offline channels.

In-Person Events Hybrid

International Payments

Accept payments from diaspora customers and international buyers through global card networks and alternative payment methods. Multi-currency pricing displays the right currency for each visitor, while Porsa handles conversion and settlement.

USD EUR GBP Global Cards
How It Works

From Checkout to Settlement
in Four Steps

1

Customer Checks Out

Your customer adds items to cart and proceeds to checkout. Porsa automatically detects their location and displays the most relevant payment methods in their local currency.

2

Payment Processed

The customer pays via their preferred method — mobile money, card, bank transfer, or USSD. Porsa processes the payment securely, handles 3DS authentication for cards, and confirms in real time.

3

Compliance Done

As Merchant of Record, Porsa handles tax calculation, collection, and remittance. Invoices are generated. Consumer protection obligations are met. All documentation is available in your dashboard.

4

You Get Paid

Your net revenue is settled to your bank account or mobile money wallet in your preferred currency. Track every transaction, view detailed reports, and reconcile your finances — all from one place.

Security & Trust

Bank-Grade Security.
Built for African Commerce.

Trust is the currency of African e-commerce. 67% of potential buyers abandon purchases due to payment security concerns. Porsa addresses this with institutional-grade security infrastructure that protects both merchants and their customers at every step of the transaction.

Every payment processed through Porsa is encrypted end-to-end, monitored by intelligent fraud detection systems, and protected by automatic dispute resolution. Your customers see a secure, branded checkout experience they recognize and trust — and you get the peace of mind that comes with enterprise-level protection.

PCI-DSS Compliant

Industry-standard card data security

3D Secure 2.0

Advanced card authentication

Fraud Detection

AI-powered transaction monitoring

Dispute Resolution

Automated chargeback handling

Security Shield / Trust Badges
The Numbers

Payments That Perform

10+

Payment methods supported across Africa

54

African countries where you can accept payments

42

African currencies supported for local pricing

0

Gateway integrations required on your end

Stop Losing Sales to
Payment Friction.

Every payment method your African customers prefer — mobile money, cards, bank transfers, USSD — is already built into Porsa. One platform. Zero integration work. Start accepting payments today.

Start Accepting Payments Why Porsa

Free to start. No setup fees. No gateway contracts.