Onafriq – Powering Seamless Payments Across Africa

Overview

Onafriq is Africa’s largest digital payments network and a game-changing payment gateway designed to simplify how businesses collect and disburse funds across the continent. With a single integration, Onafriq provides access to more than 500 million mobile wallets, over 200 million bank accounts, and 1,700+ payment corridors. The platform enables cross-border and domestic transactions at scale, empowering enterprises, fintechs, NGOs, and government agencies with reliable, secure, and compliant financial infrastructure.

Whether you’re an e-commerce platform, fintech startup, or global brand expanding into African markets, Onafriq’s unified gateway solution eliminates integration complexity and provides unmatched payment coverage across 41 countries.

Key Features of Onafriq’s Payment Gateway

1. Pan-African Reach

Onafriq connects businesses to:

• 500+ million mobile wallets

• 200+ million bank accounts

• 180+ financial service providers, including banks, mobile network operators, and cash-out agents

• Coverage in 41 African countries, including Nigeria, Kenya, Ghana, Egypt, South Africa, and Uganda

This extensive reach allows global and local merchants to operate efficiently in Africa without requiring multiple payment integrations per country.

2. Unified Integration

Onafriq’s gateway simplifies operations by combining:

• Collections – Accept payments via mobile money, card, bank transfer, USSD, and agent networks

• Disbursements – Send funds to customers, employees, or vendors through wallets, banks, or cash-out agents

• Card issuance – Launch and manage prepaid virtual or physical cards tailored for local markets

• Treasury – Efficiently manage cross-currency and cross-border settlements across African markets

All of this is made accessible via one API and one contract, saving time and development resources.

Onafriq’s Core Payment Services

Collections

Businesses can collect payments from a wide range of sources:

• Mobile money: Airtel, MTN, M-Pesa, Orange Money, and others

• Bank transfers from over 200 million connected accounts

• Card payments, including both local and international schemes

• Cash-to-digital via Onafriq’s agent networks

This diversity ensures that customers across income levels and regions can pay through their preferred methods.

Disbursements

Onafriq enables real-time payouts across borders or within countries. Use cases include:

• Salary and vendor payments

• Government social grants

• NGO and development disbursements

• Refunds and gig worker payouts

Payouts can be made to mobile wallets, bank accounts, or accessed via local agents.

Card Programs

Onafriq offers issuance of branded prepaid cards for individuals or corporate use. These cards can be:

• Physical or virtual

• Preloaded or reloadable

• Configured for specific use cases such as salary payments, government grants, or marketplace payouts

Treasury and Settlement

Cross-border business is simplified with Onafriq’s treasury capabilities:

• Multi-currency support

• Consolidated settlement across countries

• Built-in currency conversion

• Risk-managed float holding and liquidity provision

These features are vital for businesses transacting in several countries and currencies across Africa.

Security and Compliance

Onafriq meets high global standards of data protection and risk management. Key certifications and controls include:

• ISO 27001 certification for information security management

• PCI DSS compliance for secure card processing

• Regulatory licenses across multiple jurisdictions, including Nigeria, Ghana, South Africa, Mauritius, and the United Kingdom

• Anti-money laundering and counter-terrorism financing controls built into transaction monitoring and onboarding flows

Businesses can operate confidently knowing their payment infrastructure meets legal and operational requirements in all supported countries.

Use Cases

E-commerce Platforms

• Accept payments from customers in over 40 African markets

• Offer local payment methods like mobile money and USSD

Money Transfer Operators

• Expand reach into new African markets with instant settlement

• Offer receivers multiple payout options: wallet, bank, or agent cash-out

NGOs and Governments

• Disburse grants, subsidies, or relief payments with full traceability

• Serve underbanked populations with mobile money and agent access

Marketplaces and Gig Platforms

• Pay out freelancers or vendors across countries

• Issue prepaid cards for easy and accessible spending

Conclusion

Onafriq is the leading payment gateway for businesses looking to operate, grow, or expand into African markets. Its one-contract, one-API model removes the friction of cross-border payments and opens access to the continent’s most important financial channels, mobile money, bank transfers, and digital wallets.