Collect Payments Locally Across Africa
Give your customers familiar ways to pay across supported African markets through local collection accounts, bank transfers, mobile money, cards, wallets and alternative payment methods—all connected through KeyBS Pay.
Local bank-transfer collection is live in Ghana and Nigeria, with mobile money and more local methods across supported African markets.
What is KeyBS Pay Africa Collections?
KeyBS Pay Africa Collections enables eligible businesses to receive local payments across supported African markets through local collection accounts, bank transfers, mobile money, cards, wallets and alternative payment methods. Local bank-transfer collection capability is live in Ghana and Nigeria, with mobile money and other local payment methods available across supported African markets.
One connected platform
One Platform for Payment Collections Across Africa
Expand your payment reach without managing separate collection systems for every market. KeyBS Pay Africa Collections gives your business access to familiar local payment methods across supported African countries through one business platform.
Create payment requests, share Payment Links, add online Checkout, receive invoice payments and integrate supported collections into your platform through the KeyBS Pay API.
Flagship · local bank collection
Local Collection Accounts for African Payments
Give eligible businesses local payment details customers can use to make domestic payments, helping simplify local collections, transaction identification and reconciliation.
Ghana
GHS
Receive eligible business payments in GHS through local virtual-account and bank-transfer collection infrastructure.
- Local collection account
- Local bank-transfer collections
- Business collections
- Payment references
- Transaction visibility
- Reconciliation workflows
- Dashboard management
- Integration-supported workflows
Nigeria
NGN
Receive eligible business payments in NGN through local virtual-account and bank-transfer collection infrastructure.
- Local collection account
- Local bank-transfer collections
- Business collections
- Payment references
- Transaction visibility
- Reconciliation workflows
- Dashboard management
- Integration-supported workflows
Note: These African collection accounts are separate from KeyBS Pay’s Named Multi-Currency Accounts product. Availability is subject to business onboarding, KYB/KYC, transaction eligibility, applicable limits and compliance approval.
Payment methods
Give Your Customers More Ways to Pay
Offer familiar African and international payment methods while managing collections through one KeyBS Pay experience.
Local Collection Accounts
Receive local bank transfers through supported collection-account infrastructure.
Bank Transfers
Collect through supported domestic banking rails.
Mobile Money
Accept payments from customers through supported Mobile Money networks across African markets.
Local Cards
Accept supported locally issued debit and credit cards.
International Cards
Accept supported international debit and credit cards where available.
Digital Wallets
Support enabled wallet-based payment methods, including Apple Pay and eNaira.
Pay With Bank
Allow eligible customers to pay directly through supported bank-based payment flows.
USSD
Allow eligible Nigerian customers to complete payments through supported USSD flows.
QR Payments
Support enabled QR-based payment methods such as NQR.
Alternative Payments
Connect customers to market-specific alternative payment methods.
Local & International Card Payments
Accept supported local and international debit and credit cards on eligible payment flows.
Card availability varies by payer country, currency, card type, merchant category, transaction characteristics and service eligibility.
Coverage
Africa Collections Coverage Explorer
Explore supported markets on the map, then search or filter by country, currency, payment method or rail type. 13 African markets covered.
Explore supported markets
Hover or tap a country to see its currency, collection methods and availability.
View markets as a list
13 markets · 53 payment methods
West Africa
(5)Ghana
LiveGHS · 6 methods
- Local Collection AccountLocal AccountsLocal GHS collection account / bank-transfer infrastructure.
- Bank TransferBank Transfer
- MTN Mobile MoneyMobile Money
- Telecel CashMobile Moneyformerly Vodafone Cash
- AT MoneyMobile Moneyformerly AirtelTigo Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Nigeria
LiveNGN · 8 methods
- Local Collection AccountLocal AccountsLocal NGN collection account / bank-transfer infrastructure.
- Bank TransferBank Transfer
- Pay With BankBank Transfer
- USSDUSSD / QR
- NQR (NIBSS QR)USSD / QR
- eNairaWallets
- PagaWallets
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Côte d’Ivoire
LiveXOF · 5 methods
- Orange MoneyMobile Money
- MTN Mobile MoneyMobile Money
- WaveMobile Money
- Moov MoneyMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Senegal
LiveXOF · 4 methods
- Orange MoneyMobile Money
- WaveMobile Money
- Free MoneyMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Burkina Faso
LiveXOF · 3 methods
- Orange MoneyMobile Money
- MobiCashMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
East Africa
(4)Kenya
LiveKES · 3 methods
- M-PesaMobile Money
- Airtel MoneyMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Uganda
LiveUGX · 3 methods
- MTN Mobile MoneyMobile Money
- Airtel MoneyMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Rwanda
LiveRWF · 3 methods
- MTN Mobile MoneyMobile Money
- Airtel MoneyMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Tanzania
LiveTZS · 4 methods
- Vodacom M-PesaMobile MoneyTanzania M-Pesa is operated by Vodacom
- Airtel MoneyMobile Money
- HaloPesaMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Central Africa
(1)Cameroon
LiveXAF · 3 methods
- MTN Mobile MoneyMobile Money
- Orange MoneyMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Southern Africa
(2)Zambia
LiveZMW · 4 methods
- MTN Mobile MoneyMobile Money
- Airtel MoneyMobile Money
- Zamtel KwachaMobile Money
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
South Africa
AvailableZAR · 4 methods
- EFT — Nedbank, FNB, Absa, Standard BankBank TransferPooled EFT — verify production status with KeyBS operations.
- 1VoucherAlternative Payments
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
- Pay With BankBank TransferActivation required — not live.
Some methods pending confirmation.
North Africa
(1)Egypt
LiveEGP · 3 methods
- Fawry PayWallets
- MeezaWallets
- Local & International CardsCardsCard availability varies by payer country, currency, card type and eligibility.
Payment-method availability depends on the payer’s country, currency, device, transaction amount, business category and compliance eligibility.
Country guides
Accept Payments Country by Country
Explore how to accept local payments in each supported market, with country-specific methods, business examples and answers.
West Africa
Accept payments in Ghana
West Africa
Accept payments in Nigeria
East Africa
Accept payments in Kenya
Southern Africa
Accept payments in South Africa
West Africa
Accept payments in Côte d’Ivoire
West Africa
Accept payments in Senegal
East Africa
Accept payments in Tanzania
East Africa
Accept payments in Uganda
Southern Africa
Accept payments in Zambia
East Africa
Accept payments in Rwanda
Central Africa
Accept payments in Cameroon
West Africa
Accept payments in Burkina Faso
North Africa
Accept payments in Egypt
Collect locally · operate globally
From Local Collection to Global Business Payments
African Collections + Global Treasury + International Payments.
Collect
Receive customer payments using familiar local methods.
Reconcile
Track incoming payments using transaction information and payment references.
Convert
Convert supported currencies where available.
Manage
Manage business funds through supported treasury infrastructure.
Pay
Use KeyBS Pay for supplier payments, international payouts, contractor payments, payroll, China supplier payments and treasury settlement.
Ways to collect
Collect the Way Your Business Works
Dashboard
Manage supported collections through KeyBS Pay.
Payment Links
Create shareable payment links for supported payment methods.
Checkout
Offer supported collection methods through checkout experiences.
API Integration Available
Connect payment collection capabilities to business platforms.
Who it's for
Built for Businesses Operating Across Africa
Importers & Exporters
Collect locally and manage international supplier payments.
Marketplaces
Collect customer payments and manage transaction reconciliation.
Fintechs & Platforms
Connect supported African payment methods to digital products.
Education
Collect tuition and service payments using familiar local methods.
Professional Services
Receive payments from African clients without relying exclusively on international wires.
E-commerce
Give customers familiar local payment options.
Travel & Hospitality
Accept supported payment methods from customers across African markets.
Logistics & Procurement
Collect customer funds and coordinate supplier payments.
Settlement
Flexible Settlement Options
Settlement availability varies by market, currency, payment method and underlying payment infrastructure. Eligible businesses may have access to different settlement options depending on the collection route.
Where settlement timing has been operationally verified we show it; otherwise settlement is route dependent.
Request PricingSettlement varies by route
Connected Through Trusted Payment Infrastructure
KeyBS Pay connects businesses to local and international payment infrastructure through regulated financial institutions, payment processors, mobile-money networks and technology partners.
KeyBS Pay provides the customer-facing platform, payment orchestration, transaction visibility and operational workflows, while regulated financial services are provided through appropriately licensed partners where required.
Payment methods, currencies, transaction limits and settlement availability vary by market, business type and compliance eligibility.
Compliance
Built for Compliant Business Payments
Business Verification
KYB/KYC requirements apply before access to regulated payment services.
Transaction Monitoring
Payments may be monitored according to applicable risk and compliance requirements.
AML Controls
Risk-based AML controls apply across supported payment flows.
Source of Funds
Supporting documentation may be required based on transaction size, corridor and risk profile.
Sanctions Screening
Transactions and counterparties may be screened against applicable sanctions requirements.
Beyond Africa
Beyond Africa
KeyBS Pay also connects eligible businesses to selected international collection methods outside Africa.
One ecosystem
Connect Collections with Your Wider Payment Operations
Subject to settlement, eligibility and applicable controls, businesses may connect available balances with supported KeyBS Pay services.
Why KeyBS Pay
Why Businesses Choose KeyBS Pay
Familiar Local Payment Methods
Let customers pay through methods they already recognize and use in their market.
Multi-Market Access
Manage supported collection methods across multiple African countries through one business platform.
Flexible Collection Channels
Collect through Payment Links, Checkout, invoices and API integration.
Centralized Visibility
Monitor transaction references and payment statuses from one dashboard.
Connected Cross-Border Services
Subject to settlement and eligibility, connect available funds with supported currency exchange, supplier-payment and global-payout services.
Business-Focused Support
Access support designed around verified businesses and cross-border payment requirements.
Trust & compliance
Built for Verified Business Payments
KeyBS Pay Africa Collections is designed for verified businesses. Product availability depends on business activity, customer location, currency, transaction requirements and compliance eligibility.
Questions
Frequently Asked Questions
What is KeyBS Pay Africa Collections?
KeyBS Pay Africa Collections enables eligible businesses to receive local payments across supported African markets through local collection accounts, bank transfers, mobile money, cards, wallets and alternative payment methods. Local bank-transfer collection is live in Ghana and Nigeria, with mobile money and other local methods available across supported markets.
Which African countries does KeyBS Pay support for collections?
Supported markets include Ghana, Nigeria, Kenya, South Africa, Côte d’Ivoire, Senegal, Tanzania, Uganda, Zambia, Rwanda, Cameroon, Burkina Faso and Egypt. Payment-method availability differs by country and eligibility.
Does KeyBS Pay provide a Ghana local collection account?
Yes. A local GHS collection account with bank-transfer collection is live in Ghana for eligible verified businesses, subject to onboarding, KYB/KYC and compliance approval.
Does KeyBS Pay provide a Nigeria local collection account?
Yes. A local NGN collection account with bank-transfer collection is live in Nigeria for eligible verified businesses, subject to onboarding, KYB/KYC and compliance approval.
Can my business collect GHS?
Yes. Eligible businesses can collect GHS through the Ghana local collection account, bank transfer and supported mobile money, subject to eligibility.
Can my business collect NGN?
Yes. Eligible businesses can collect NGN through the Nigeria local collection account, bank transfer, Pay With Bank, USSD, NQR and supported wallets, subject to eligibility.
Which African countries support Mobile Money?
Supported mobile money markets include Ghana, Kenya, Rwanda, Uganda, Zambia, Tanzania, Côte d’Ivoire, Senegal, Cameroon and Burkina Faso. Available networks vary by market and eligibility.
Can customers pay using M-Pesa?
Yes. M-Pesa is a supported mobile money method for eligible collections in Kenya, and Vodacom M-Pesa in Tanzania.
Can customers pay using MTN Mobile Money?
Yes. MTN Mobile Money is supported in selected markets, including Ghana, Cameroon, Côte d’Ivoire, Rwanda, Uganda and Zambia.
Can customers pay using cards?
Yes. Supported local and international debit and credit cards are available in eligible markets. Card availability varies by payer country, currency, card type, merchant category and transaction eligibility.
Does KeyBS Pay support USSD?
Yes. Eligible Nigerian customers can complete payments through supported USSD flows.
Does KeyBS Pay support NQR?
Yes. Supported QR-based payments such as NQR (NIBSS QR) are available for eligible collections in Nigeria.
Can international companies collect payments from Africa?
Yes. Eligible international businesses can collect local payments from customers across supported African markets and connect those collections to wider KeyBS Pay treasury and payout workflows, subject to onboarding and compliance eligibility.
How are African collections settled?
Settlement availability varies by market, currency, payment method and underlying payment infrastructure. Where settlement timing has been operationally verified we show it; otherwise settlement is route dependent and confirmed during onboarding.
Can I integrate African collections into my platform?
Yes. Eligible businesses can integrate supported collection methods into a website, marketplace or application. API integration is available in addition to the dashboard, Payment Links and Checkout.
What documents are required?
Business verification (KYB/KYC) is required before collection services are activated. Specific documents depend on your business type, activity, jurisdiction and risk profile; additional source-of-funds evidence may be requested.
Can collected currencies be converted?
Subject to eligibility and applicable controls, supported collected currencies may be converted through KeyBS Pay currency-exchange workflows where available.
Can collected funds be used for supplier payments?
Subject to settlement, eligibility and applicable controls, businesses may use available balances for supported supplier payments, international payouts, contractor payments and payroll.
Can KeyBS Pay support marketplaces?
Yes. Marketplaces and platforms can collect customer payments across supported methods and manage transaction reconciliation through the dashboard and API.
Does KeyBS Pay support cross-border business payments after collection?
Yes. Beyond collections, KeyBS Pay supports supported cross-border supplier payments, global payouts, treasury and China supplier payments, subject to eligibility and compliance approval.
Start Collecting Payments Across Africa
Give your customers familiar ways to pay locally while connecting African collections to the broader KeyBS Pay payment and treasury ecosystem.
Collect in Africa. Operate Globally.
Business accounts only · Subject to KYB/KYC, compliance review and service eligibility. Payment-method availability depends on the payer’s country, currency, device, transaction amount, business category and compliance eligibility. Services are provided through KeyBS Pay and its regulated payment partners.
KeyBS Pay is the public-facing brand of KeyBS Finance LLC (Missoula, Montana, USA), the primary legal entity. Services are provided through KeyBS Pay and its regulated payment partners.
Last reviewed: September 2026