built for the software africa is already trying to buy.
If African customers keep failing to pay you, you are who we built this for.
Four patterns you can already spot in your own dashboards.
- 01
declines clustering on african cards.
- 02
churn you never chose.
- 03
support tickets asking for local payment methods.
- 04
sign-ups that never convert at dollar prices.
global tools with a growing african user base.
The dashboard says Lagos, Nairobi and Johannesburg are signing up. The revenue report says otherwise. Cross-border card declines and missing local rails sit between you and money that already wants to move. That gap is exactly what a merchant of record closes.
monetising everywhere except by international card.
African demand for AI tools is real and growing fast, but the buyers hold local debit cards and mobile wallets, not the international credit cards your checkout assumes. Collection, not demand, is the constraint. We remove it.
deep, recurring, chronically under-collected demand.
Course platforms and learning apps see some of the deepest recurring demand on the continent, and some of the worst collection rates. Mandate-based billing on the rails families actually use changes the economics of the whole segment.
recurring billing, audiences across the continent.
Streaming, media and creator platforms need small recurring amounts collected reliably at scale. That only works when renewals run on real mandates and failed charges recover with local timing, which is precisely what our recurring stack does.
A merchant of record can only carry what the law lets a seller carry. Activities that require their own licence in each market sit outside the model: gambling and betting, lending and credit, insurance, deposit-taking, securities and crypto exchanges. We also do not serve physical-goods marketplaces or money-transfer businesses. Some categories we do serve require additional review during onboarding.