How Businesses in Malta Can Accept Online Payments from Africa

Africa is becoming one of the fastest-growing markets for Maltese businesses. From forex and crypto platforms to e-commerce, SaaS, and online investment platforms, demand from African users is rising fast.

But here’s the problem:Africa doesn’t run on Visa and Mastercard.

Across Africa’s 54 countries, each market has its own preferred local payment system:

• Kenya: M-PESA

• Nigeria: Opay and Bank Transfers

• Uganda: MTN Mobile Money and Airtel Money

• Tanzania: TigoPesa and Vodacom M-Pesa

• Ghana: MTN MoMo

• South Africa: Instant Bank Transfers and Wallets

If your business in Malta only accepts cards, you’re reaching just 1–5% of your potential African customers.The other 95% pay through mobile money, wallets, or direct bank transfers.

To scale into Africa successfully, you need a payment partner that connects you to these local systems — while safely settling funds back into your Maltese or European bank account.

Here are the top payment solutions built for that.

1. Elemitech

Elemitech is built for global businesses that want to operate across multiple African markets using a single system.

It supports payments in Nigeria, Kenya, Uganda, Tanzania, Ghana, Rwanda, South Africa, and more. Customers can pay using mobile money, bank transfers, or cards, with settlements directly into European or USDT accounts.

Why Elemitech works well for Malta-based businesses:

• One API for all major African markets

• Settlements in EUR, USD, or USDT

• Designed for forex, crypto, and trading companies that require compliance

• Handles payouts to African affiliates, partners, and suppliers

Pros:

• Wide coverage across Africa

• Fast settlement cycles

• Reliable for high-volume transactions

2. DusuPay

DusuPay is a strong fit for industries that traditional Maltese or European processors avoid — such as gaming, trading, remittances, and digital investments.

It supports both collections and payouts, making it ideal for businesses that also need to send money to Africa.

Why DusuPay stands out:

• Accepts mobile money and bank transfers across East, West, and Southern Africa

• Works well for high-risk industries

• Simple API or dashboard integration

• Supports crypto or fiat settlements

Pros:

• Wide African coverage

• Reliable for recurring payments

• Flexible settlement options

3. Paystack

Paystack, backed by Stripe, is one of Africa’s most trusted fintech platforms. It covers major markets like Nigeria, Ghana, Kenya, and South Africa, enabling payments through cards, mobile money, and bank transfers.

Why choose Paystack:

• Excellent stability and uptime

• Simple to integrate for SaaS and e-commerce

• Trusted by leading African brands

Pros:

• Ideal for mainstream industries

• Competitive pricing

• Smooth user experience

Limitations:

• Limited country coverage

• Not suitable for high-risk sectors like forex or crypto

Final Thoughts

Maltese businesses looking to reach African customers can’t rely on Visa and Mastercard alone. To win in Africa, you must accept payments the way Africans actually pay.

Here’s a quick guide:

• For high-compliance or large-scale operations → go with Elemitech

• For crypto, gaming, or high-risk sectors → use DusuPay

• For e-commerce and SaaS → integrate with Paystack

The bottom line:If you’re a business in Malta targeting Africa, give customers the freedom to pay through their local methods — and you’ll unlock a massive, fast-growing market.