operators, not intermediaries.
Settld is founded by people who have run African payments at scale, integrated with every rail on the continent, and know exactly where the failure modes are. We built the company we wished existed when we were trying to collect African payments for someone else.
make african subscription revenue collectable for the world's software businesses.
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settled means settled.
When we say a transaction is done, it is done: collected, taxed, invoiced, defended and paid out. Certainty is the product.
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built for regulated markets.
We operate where the rules are hard and getting them right is the moat. Compliance is designed in, never retrofitted.
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africa-native.
The rails, the regulation and how people actually pay here are not edge cases to us. They are the product.
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aligned with our merchants.
We are the seller of record, so our obligations to your customers are structural. We succeed only when you collect.
Warren Ross
Making African subscription revenue collectable for global software.
Warren is a chartered accountant, CA(SA), who completed his articles at Deloitte in Johannesburg. He spent six years as Executive Head of Banking at Betway Africa, building the payments operation from startup into one of the largest merchants by volume on the continent, running one of the deepest payment integration stacks in eight African markets across cards, mobile money, vouchers and instant EFT. He led the launch of South Africa's first bank-reserved stablecoin. He founded Settld to make African subscription revenue collectable for global software businesses.
Martin Venter
[PLACEHOLDER: founder to supply]
[PLACEHOLDER: founder to supply]
The merchant of record is the legal seller of a transaction. When Settld is your MoR, we sell to your customer in-market: the contract, the tax, the invoice, the chargeback and the consumer-protection obligations sit with us. You keep the product, the brand and the customer relationship.
A payment provider moves money on your behalf, and you remain the seller with every obligation that carries. A merchant of record replaces you as the seller in-market. Card-scheme rules also prevent a foreign business from simply plugging into a local processor, which is why the distinction matters.
No. You can run on Settld's billing engine, or keep your own engine as the owner of the billing schedule and call Settld to execute each charge. Either way there is one integration and one settlement relationship.
Settld does, with a descriptor configured for recognition in each market. Because we are the seller, billing questions and disputes route to us, not to your team.
You elect a settlement currency and pull settlement when you choose, or set a schedule that suits your treasury. Every payout is itemised from gross collections to net settlement.
Settld does, as the seller. Registration, calculation, compliant invoicing and filing in every market we sell in, including e-invoicing where it is mandated.
We are building South Africa first, with Kenya, Ghana, Mauritius and Rwanda to follow. Market entry is sequenced by licensing and banking readiness in each corridor.
Global software, AI and digital subscription businesses selling to African customers. Some categories require additional review during onboarding, and activities that need their own in-market licence, such as gambling or lending, sit outside what a merchant of record can carry.