cards that behave like locals.
Cross-border card processing is where African approval rates go to die. We acquire in-market, so they don't.
Book a technical walkthroughtransactions presented as domestic.
In-market acquiring so the issuer sees a local transaction, not cross-border risk. Approval rates behave.
customers recognise the charge.
Local statement descriptors your buyer can identify at a glance. Fewer disputes triggered by confusion.
renewals survive reissued cards.
Automatic card refresh keeps mandates alive when cards are reissued. Silent churn from lost credentials disappears.
tuned to african patterns.
Fraud rules calibrated to how buyers actually behave here, not a global average that flags legitimate spend.
approval rate is the whole game
A basis point saved on fees is noise next to a percentage point of approval rate. A decline is not a discount. It is zero revenue plus a customer who now believes your product is broken. Domestic presentment is the biggest single lever: the same customer, same card, same amount can succeed as a domestic transaction and fail as cross-border, because foreign-acquired e-commerce is exactly where issuers concentrate their suspicion. We acquire in-market so you are not fighting every issuer's risk model before the customer even enters the picture. The full argument is here: what actually determines approval rates in South Africa.
built for a debit-first market
South Africa pays with debit products that carry tighter card-not-present rules and issuer logic designed for point-of-sale first. A billing setup tuned for credit cards in Europe or the US quietly underperforms here. Ours is tuned for what is actually in people's wallets: correct merchant-initiated flags on recurring charges, tokenised credentials, automatic refresh when cards are reissued, and retries with discipline, because hammering a declined card daily teaches the issuer's fraud model that you look like a bot.
authentication that lifts approvals instead of killing them
3D Secure done properly, with risk-based routing, shifts liability and gives issuers confidence, and approval rates rise. Done crudely it is an OTP wall customers abandon. The difference is configuration, not luck, and it is our job, not yours.
frequently asked questions
Because the transaction arrives as a cross-border, card-not-present charge from a foreign merchant, the exact profile where issuer fraud models concentrate. Local acquiring changes how the transaction presents, and approval rates follow.
A local descriptor the buyer can recognise at a glance, with a reference that matches their receipt. Recognition is dispute prevention: the customer who knows the charge does not tap dispute. There is a public page for anyone who wants to check a charge: /charge.
In every market we operate as merchant of record: South Africa, Kenya, Ghana, Mauritius and Rwanda. In-market acquiring is part of what being the local seller makes possible.
ready to sell into africa without the drag?
Book a technical walkthrough