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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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How Crypto Companies Can Accept and Make Fiat Payments in Africa

Updated: Sep 12

Africa's crypto scene is exploding. But here's the problem most people still use local money for daily transactions.

Your crypto platform might be brilliant, but if users can't easily move between their mobile money and your tokens, you're stuck. They want to deposit naira, cedi, or shillings. They want payouts sent to their MTN wallet, not just their crypto address.

Most crypto companies try to solve this by partnering with dozens of local payment providers. It's messy. Expensive. And frankly, it doesn't scale.

There's a better way.

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The Real Challenge

Running a crypto business in Africa means dealing with this reality:

Your users live in two worlds. They earn local currency but want to trade crypto. They need to cash out crypto to pay rent. They want to send money across borders without banks.

But connecting these worlds is hard. Each country has different payment platform in some scenarios online banking and in others mobile money providers. Payment options and Compliance rules change constantly. And finding reliable partners who won't disappear with your money? Good luck.


Don't understand what Mobile Money is? This video will help you understand


What Actually Works

Smart crypto companies are using infrastructure providers like Elemitech to handle the heavy lifting.


Here's how it works:

  • Step 1: Accept what people actually use Your customers pay with MTN mobile money in Uganda. Or bank transfers in Nigeria. Or MPESA in Kenya. Whatever's normal for them.

  • Step 2: Get paid how you want That local payment gets converted and settled to your crypto wallet. USDT or whatever you prefer. Or keep it in local currency if that works better.

  • Step 3: Pay out the same way When users want to cash out, reverse the process. Send crypto, they get local currency in their mobile wallet.


Where This Actually Works

Right now, you can do this across Africa's largest countries with ElemiPay:


  • Uganda: MTN and Airtel mobile money, plus Visa cards

  • Kenya: MPESA, bank transfers, and card payments

  • Nigeria: Bank transfers (the backbone of Nigerian fintech)

  • Ghana: MTN mobile money

  • South Africa: Online banking and card payments

  • Tanzania: MPESA, Airtel, and Tigopesa

  • Rwanda: MTN and Airtel mobile money

  • South Sudan: Mgurush mobile money

More countries are coming online every quarter.


Who's Using This

The companies making this work aren't just exchanges. They're:

Gaming platforms that need fast deposits for in-game purchases. Remittance apps helping people send money home. DeFi protocols building African user bases. Forex platforms competing with traditional brokers.

What they all have in common: they need local payment rails that actually work.


The Technical Reality

You get one API that handles everything. Collection, conversion, payouts. The compliance stuff is handled. The settlement happens weekly (or however often you want).

Your users see a familiar payment flow. You get crypto in your wallet. Everyone's happy.

The fees are straightforward: 1.5% to 6% for collections, depending on the market. Flat fees for payouts. No hidden forex markups or surprise charges.

GET STARTED ACCEPTING AND MAKING PAYMENTS FOR YOUR CRYPTO COMPANY:


Why This Matters Now

African crypto adoption is accelerating. But it's not happening the way Silicon Valley predicted. People aren't abandoning local currency they're blending it with crypto.

The companies that figure out this bridge early will dominate their markets. The ones that don't will stay niche.


What You Should Do

Stop trying to build local payment infrastructure yourself. It's not your core business. And you'll spend years learning what specialized providers already know.

Instead, pick a reliable partner. Test their system. Start with one or two markets. Scale from there.

The opportunity is massive. But the window won't stay open forever. Local players are getting smarter. International companies are paying attention.

The question isn't whether you should connect crypto and fiat payments in Africa. It's whether you'll do it before your competition does.


Getting Started

You have three options:

Build everything yourself (expensive, slow, risky). Partner with dozens of local providers (complex, unreliable). Or use unified infrastructure that handles everything (fast, scalable, proven).

The choice is obvious. The only question is timing.

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