22++
African Markets
$0M+
Processed value annually
99.9%%
System Uptime
0+
Providers connected
Our products
Africa's payment landscape is fragmented by design.
Every market has different MNOs, different regulatory requirements, different currencies, and different failure patterns. Businesses expanding across the continent face an impossible choice:
Option A: Build direct MNO integrations yourself
Slow, expensive, and requiring dedicated engineering teams in every market. Each provider has different APIs, different settlement processes, and different failure modes.
Option B: Use a payment aggregator
Convenient, but with no control over rates, no visibility into routing, and no path to optimization as you scale. You're locked into their prices.
Two Ways to Work with Payfonte
Whether you already have provider partnerships or need instant access to Africa's payment networks, Payfonte gives you a flexible way to scale.
Infrastructure as a Service
Full payment infrastructure on your own MNO/PSP contracts. We provide the orchestration and technology layer while you maintain direct provider relationships.
- Use your own MNO/PSP contracts
- White-label checkout and dashboard
- Complete API access
- Custom routing rules
- Smart reconciliation engine
Payment Aggregation
Start accepting payments immediately using Payfonte's aggregated MNO partnerships. No direct contracts required.
- Instant go-live capability
- Pre-negotiated MNO rates
- Simplified onboarding
- Managed compliance
- Automatic failover
Our Vision
To give every business operating in Africa complete control over their payment infrastructure - the freedom to use their own provider relationships, optimize every transaction, and scale across markets without compromise.
Security & compliance
Enterprise-grade security
Every mobile money API transaction is protected by industry-leading security standards.
PCI DSS compliant
Built to meet the Payment Card Industry Data Security Standard across all supported transactions.
Continuous monitoring
24/7 system monitoring and anomaly detection across all providers.
Secure tokenization
Card and wallet data tokenized for recurring payments and subscriptions.
End-to-end encryption
All data encrypted in transit and at rest across every market we support.
High availability
High availability through multi-provider redundancy and smart failover.
Quarterly ASV scans
External vulnerability assessments by certified security consultants.
How Payfonte Works
Payment orchestration layers
The difference
Traditional aggregators vs Payfonte
| Traditional aggregators | |
|---|---|
Use your own contracts where you have better rates | Take-it-or-leave-it pricing |
Full control over how transactions are routed | No visibility into routing |
Combine your contracts with our partnerships | Locked into one provider's network |
Graduate from aggregation to BYOK seamlessly | Rebuild integrations to scale or optimize |
You configure routing rules and priorities | Platform determines failover behavior |
White-label everything with your brand | Generic checkout experience |