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Accept payments for your business in Africa

Collect and make payments from 14 African countries. Mobile money, Credit/ Debit cards and online banking channels accepted

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High-Risk Payment Processing in Africa: Why Elemitech is the better option

Processing payments across Africa costs high-risk businesses 40% more than other regions. Most payment processors either reject high-risk merchants outright or charge fees that kill profitability. If you're running a forex platform, crypto exchange, gaming site, or remittance service targeting African markets, you know this pain.

Elemitech built the first payment infrastructure designed specifically for high-risk businesses operating in Africa. Here's how we solve the problems that traditional processors can't handle.


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The Real Problem with African Payment Processing

Africa's payment landscape creates unique challenges for high-risk businesses:

  • Settlement Delays Kill Cash Flow: Moving money from Nigeria to London takes 5-10 business days with traditional banks. Your customers pay instantly, but you wait weeks to access funds. In some countries like Burundi, you may even struggle to get a settlement to your country done subjecting your money to actually being lost in the system.

  • High Transaction Fees Eat Profits: Standard African payment processors charge 8-15% for high-risk transactions. Add currency conversion, international transfer fees, and compliance costs - you're looking at 20%+ total costs.

  • Infrastructure Breaks Under Pressure: Most African fintech companies can't handle volume. When your forex, betting, remittance or any other high risk platform processes 10,000 transactions in Nigeria during market hours, their systems crash. You lose customers and revenue.

  • Limited Geographic Coverage: Africa has 54 countries and each of these countries has a different locally preferred payment method. You want to expand across Kenya, Ghana, South Africa, and Uganda. But you need separate integrations for each country. As an example Kenyans pay with MPesa, Nigerians with Opay and South Africans pay with online banking. Different APIs, different compliance requirements, different settlement processes. Many PSP's can not handle this complexity,


How Elemitech Solves Payments for High risk businesses

We built our infrastructure to handle these exact problems:

Direct Global Settlements

Your funds settle directly to any international banks, USDT wallets, or US accounts within 24-48 hours.

Single API Across 15+ African Countries

One integration gives you access to mobile money, card payments, and bank transfers across Nigeria, Kenya, Ghana, South Africa, Tanzania, Uganda, Rwanda, and more. Same API, same reporting, same settlement process.

99.8% Uptime During Peak Hours

Our infrastructure handles 50,000+ transactions per hour without failures. When cryptocurrency markets spike at 2 AM Lagos time, your payments keep processing.

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Technical Infrastructure That Actually Works

PCI DSS Level 1 Compliance

Full certification means your customer data stays secure. No compliance headaches for your business.

Real-Time Transaction Monitoring

Every payment gets tracked in real-time. You see exactly where delays happen (spoiler: they don't happen with our system).

Multiple Backup Systems

If one processing route fails, transactions automatically switch to backup infrastructure. Your customers never see payment failures.

24/7 Technical Support

Real humans who understand high-risk businesses. No chatbots. No ticket systems that take 48 hours to respond.


Why High-Risk Businesses Choose Elemitech

  • Speed: Settlements that used to take 2 weeks now happen in 2 days.

  • Reliability: When other processors reject your transactions, we process them.

  • Transparency: Fixed pricing with no hidden fees. You know exactly what you'll pay before processing.

  • Scale: Handle growth from $10K to $10M monthly volume without changing infrastructure.

  • Geographic Reach: Expand across Africa without negotiating separate deals in each country.

Countries Where Elemitech Processes High-Risk Payments

We currently support high-risk payment processing in:

  • Nigeria (mobile money, cards, bank transfers)

  • Kenya (M-Pesa, cards, bank transfers)

  • South Africa (cards, EFT, mobile payments)

  • Ghana (mobile money, cards, bank transfers)

  • Tanzania (mobile money, cards, bank transfers)

  • Uganda (mobile money, cards, bank transfers)

  • Rwanda (mobile money, cards, bank transfers)

  • Zambia (mobile money, cards, bank transfers)

  • Ethiopia (mobile payments, bank transfers)

  • Morocco (cards, bank transfers)

Additional countries launching Q4 2024: Senegal, Ivory Coast, Cameroon, Botswana, Namibia.


Next Steps for High-Risk Businesses

Stop losing money to overpriced, unreliable payment processors. Elemitech gives you the infrastructure to scale across Africa without the traditional headaches.

Book a technical consultation: https://calendly.com/sales-ops-elemitech

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