Payments — How You Pay, How Operators Get Paid

Pay your way.
Get paid in your rail.

Most travel marketplaces accept Visa and Mastercard. We accept the way Africa actually pays — Mobile Money, local cards, instant bank transfers — and we pay our operators in local currency, within 48 hours.

African countries supported

Mobile-money networks direct

40+

Currencies accepted

48 hrs

Operator payout, in local currency

Four ways to settle a booking.

Africa's payment landscape is fragmented — cards work in some places, Mobile Money in others, bank transfer in a third. We support all of them so wherever you are, the booking goes through.

📱

Mobile Money

Pay from your MoMo wallet directly. The way most of Africa actually pays.

MTN MoMo M-Pesa Orange Money Airtel Money Vodafone Cash

💳

Cards & wallets

All major international cards, plus regional networks. Apple Pay & Google Pay at checkout.

Visa Mastercard Amex Verve Apple Pay Google Pay

🏦

Instant bank transfer

Local instant-rail transfers where they exist — usually fee-free and settled in seconds.

PayShap 🇿🇦 NIBSS 🇳🇬 Pesalink 🇰🇪 GhIPSS 🇬🇭

🪙

Crypto (diaspora)

For diaspora bookings & digital nomads. Stablecoin in, local currency out to the operator.

USDC USDT BTC via BitPay / NOWPayments

Three traveler profiles. Three rails.

A US-style "just accept Visa" approach fails immediately in Kenya (M-Pesa dominant), Senegal (Orange Money), or Ghana (MTN MoMo). So we route by who's actually paying.

Inbound international tourist

Flying in from London, New York, Toronto, Berlin, Lagos via Heathrow. Pays in USD/EUR/GBP with a Visa, Mastercard or Amex — sometimes Apple Pay.

Their needs

· Transparent FX rate at checkout
· Familiar fraud-trust signals (3-D Secure)
· Free 24h cancellation

Pan-African traveler

Ghanaian visiting Kenya. Nigerian visiting South Africa. Pays via Mobile Money from their home country, often in local currency, settled cross-border for them.

Their needs

· Pay from MoMo wallet (no card needed)
· Cross-border MoMo interoperability
· FX inside the cedi/naira/shilling/rand block

Diaspora traveler

UK- or US-based African coming home — often for Detty December. Pays from a foreign card OR sends Mobile Money home for in-country bookings (a chop bar dinner, a Bolt to the airport).

Their needs

· US/UK card → Ghana MoMo settlement
· Book for family members on the ground
· Remittance-grade FX honesty

Twelve priority tourist markets.

As we expand beyond Ghana, each new country gets its own primary mobile money rail, a card rail, a backup gateway, and bank transfer support — built to the local payment habits, not flattened to a US default.

🇬🇭

Ghana

Accra · Cape Coast · Kumasi

Primary — MTN MoMo

Cards — Flutterwave · Paystack · Hubtel

Backup — Kora · DPO Group

🇰🇪

Kenya

Nairobi · Mombasa · Maasai Mara

Primary — M-Pesa (Daraja)

Cards — DPO Group · Pesapal

Bank — Pesalink instant

🇿🇦

South Africa

Cape Town · Johannesburg · Kruger

Primary — PayShap + Adyen

Cards — Stripe · Peach Payments

Backup — Ozow · DPO

🇳🇬

Nigeria

Lagos · Abuja · Calabar

Primary — NIBSS + Verve cards

Cards — Paystack · Flutterwave

Mobile — MTN MoMo · OPay · PalmPay

🇪🇬

Egypt

Cairo · Luxor · Sharm el Sheikh

Primary — Vodafone Cash + cards

Cards — Fawry · Paymob · PayTabs

Mobile — Etisalat Cash · Orange Money

🇲🇦

Morocco

Marrakech · Casablanca · Fes

Primary — CMI for cards

Cards — PayZone · YouCan · Adyen

Mobile — Orange Money · Inwi Money

🇹🇿

Tanzania

Zanzibar · Serengeti · Kilimanjaro

Primary — M-Pesa + Tigo + Airtel

Cards — DPO Group · Pesapal

Backup — ClickPesa · Flutterwave

🇷🇼

Rwanda

Kigali · Volcanoes NP · Lake Kivu

Primary — MTN MoMo + Airtel

Cards — DPO Group · Flutterwave

Backup — Pesapal · Cellulant

🇸🇳

Senegal

Dakar · Gorée · Saly

Primary — Orange Money + Wave

Cards — CinetPay · Flutterwave

Backup — PayDunya · InTouch

🇨🇮

Côte d'Ivoire

Abidjan · Yamoussoukro · Grand-Bassam

Primary — Orange + MTN + Wave

Cards — CinetPay · Flutterwave

Mobile — Moov Money

🇪🇹

Ethiopia

Addis Ababa · Lalibela · Omo Valley

Primary — TeleBirr (dominant)

Cards — M-Pesa Ethiopia · Flutterwave

Backup — Chapa · Santimpay

🇧🇼🇳🇦

Botswana / Namibia

Okavango Delta · Sossusvlei · Etosha

Primary — Visa/MC via DPO + Orange

Cards — DPO Group · Adumo

Backup — Flutterwave · Cellulant

A payment orchestration layer — not a single integration.

Every transaction is routed in real time to the best provider for your country, currency and method. If one rail times out, another picks it up — usually before you notice.

USER

Traveler at checkout

LAYER 1 · FRONTEND

Checkout auto-detects country & offers local rails first

LAYER 2 · ORCHESTRATION ENGINE

Routing · Failover · FX · Reconciliation · Fraud · KYC

CARD RAILS

Stripe · Adyen
Flutterwave

PAN-AFRICAN

DPO · Flutterwave
CinetPay

MOBILE MONEY

M-Pesa · MTN
Orange · Airtel

LAYER 3 · SETTLEMENT

Multi-currency treasury · auto FX hedging · daily settlement

LAYER 4 · PAYOUTS

Hotels · airlines · tour operators · drivers — paid in local currency, local rails

Smart routing

Pick the cheapest, fastest provider per transaction based on country, currency, method and real-time success rates.

Automatic failover

If the MTN MoMo endpoint times out, we retry via DPO or direct API. Customer never sees the failure.

Multi-currency settlement

Accept in 40+ currencies, settle to operators in USD, EUR, ZAR, NGN, KES, GHS and more.

Split payouts

One booking = many payouts — airline, hotel, tour operator, driver — done atomically with our commission deducted upfront.

Reconciliation & refunds

Automated matching of payments to bookings across every provider. Refunds and partial refunds work across all rails.

Licensed where it matters.

Each African market regulates payments differently — and licences take 18–36 months to obtain. We hold or partner-clear the ones that matter for travel.

🔒

PCI DSS Level 1

Highest tier of card-processing security. Annual third-party audit. No raw card data ever touches our servers.

🪪

KYC & AML

Country-specific thresholds. Sanctions screening, ID verification for high-value bookings.

🇳🇬

CBN PSP & NRS

Nigeria Central Bank Payment Service Provider licensing + NRS e-invoicing compliance from 2025.

🇿🇦

SARB authorisation

South African Reserve Bank — required for cross-border flows in & out of ZAR.

🌍

BCEAO (WAEMU)

Licensing for Francophone West Africa — Senegal, Côte d'Ivoire, Mali, Burkina Faso, Togo, Benin, Niger.

📜

GDPR + data residency

Nigeria NDPA, Kenya DPA, South Africa POPIA, Ghana DPA. Your data stays where it should.

✈️

IATA accreditation

Required to issue flight tickets directly — in progress for our Tier-1 air-inclusive packages.

🛡️

3-D Secure 2

Biometric & OTP authentication on all card flows. Reduces fraud to under 0.05% on transactions.

Payment questions, answered.

When will I be charged?▾

We hold your booking for 48 hours without charging your card or MoMo. Once we confirm with the local operator, you'll get a secure payment link by email. Cards are charged at confirmation; MoMo prompts you to approve a pull from your wallet.

What's the FX rate I'll pay?▾

We display the exact rate at checkout — usually within 0.5% of the mid-market rate. No hidden bank spread. If you'd rather pay in cedi from a foreign card we'll show both options.

Can I pay from a US card and have a Ghanaian relative use the booking?▾

Yes — that's the diaspora flow we're built for. You pay from your US Visa/Mastercard; we settle the operator in cedi via MTN MoMo; your relative receives the confirmation and joins the tour.

Is Mobile Money secure for tourist-sized amounts?▾

Yes. MTN MoMo handles over $320 billion in transactions a year. Every pull requires a PIN from your phone — we never see or store it.

What happens if my card payment fails?▾

Our orchestration layer automatically retries via a different acquirer (Adyen → Flutterwave → DPO). In most cases the second attempt succeeds within seconds. You'll only see a failure message if every fallback rail also fails.

How are refunds handled?▾

Refunds go back to the original method — your card or your MoMo wallet — usually within 3–5 business days. Partial refunds are supported on every rail. Cancellation policies are per-tour and shown on the booking page.

I'm an operator — when do I get paid?▾

Within 24–48 hours of the traveler's tour completion, in your local currency, to your MoMo wallet or bank. Weekend bookings settle Monday. No wire fees, no surprise FX.

Pay your way.Get paid in your rail.

Four ways to settle a booking.

Mobile Money

Cards & wallets

Instant bank transfer

Crypto (diaspora)

Three traveler profiles. Three rails.

Inbound international tourist

Pan-African traveler

Diaspora traveler

Built around how Ghana already pays.

MTN MoMo

Visa · MC · Amex

Vodafone Cash · AirtelTigo

Kora · DPO Group

Twelve priority tourist markets.

Ghana

Kenya

South Africa

Nigeria

Egypt

Morocco

Tanzania

Rwanda

Senegal

Côte d'Ivoire

Ethiopia

Botswana / Namibia

A payment orchestration layer — not a single integration.

Smart routing

Automatic failover

Multi-currency settlement

Split payouts

Reconciliation & refunds

Paid in cedi. Paid in 48 hours.

Licensed where it matters.

PCI DSS Level 1

KYC & AML

CBN PSP & NRS

SARB authorisation

BCEAO (WAEMU)

GDPR + data residency

IATA accreditation

3-D Secure 2

Payment questions, answered.

Built for Africa, by Africa.

Pay your way.
Get paid in your rail.