10 Best CryptoProcessing Alternatives in Africa for Secure & Fast Crypto Payments 2026

I’ll go over Africa’s Top crypto-processing options in this post. Businesses and consumers need reliable platforms to accept, send, and manage digital assets as cryptocurrency adoption spreads across the continent.

These substitutes make it easier for African consumers to use cryptocurrency for payments, trading, and cross-border transfers by providing secure wallets, merchant tools, low fees, and fast transactions.

Factors to Consider When Choosing a Crypto Payment Processor in Africa

Security & Compliance

• Find out if there is sufficient encryption with other security measures in place as well.
• Some countries in Africa have regulations in place; please check compliance.

Supported Cryptocurrencies

• Look for processors that also support Ethereum, Bitcoin, as well as stable coins.
• Greater flexibility is provided to customers as well as users.

Ease of Integration

• Accessibility of an API for mobile and web apps.
• There should be e-commerce plugins for platforms such as Shopify, WooCommerce, and Magento.

Transaction Fees & Speed

• Examine how much is charged for each transaction since that contributes to how much costs are for a business.
• There should be timely payments for a good end user experience so payment processing should be quick.

Local Currency Support

• There should be an option to convert crypto to local African currencies such as KES, ZAR, or NGN.
• This addresses volatility risks to customers and businesses.

Customer Support

• There should be assistance that is specific to a region, or if there is support available 24/7.
• Look for support that is provided over the phone or by email, and live chat.

Reputation & Reliability

• Examine the industry and user reviews to gather information.

• Consistently achieving minimal downtime is pivotal due to the need for ongoing business activities.

Extra Traits

• Functions such as invoicing, automated payments, and payment options via mobile.
• Added features benefit businesses by simplifying payment management.

How to Choose the Right Alternative

Assess Your Business Needs

• Identify the type of activities the business engages in, i.e., e‑commerce, in‑person sales, remittances, or subscriptions.
• Go for a processor focusing on the particular type of payment your business operates on.

Check Supported Markets & Currencies

• Ensure the platform supports the countries you are operating in.
• Seek for local currency conversion (e.g., NGN, ZAR, KES) to minimize volatility risk for your customers.

Evaluate Fees & Rates

• Analyze transaction fees, conversion fees, and withdrawal fees.
• Settle on a processor with affordable rates that fits your transaction volume.

Review Integration Options

• Seek setup solutions such as plugins for Shopify, WooCommerce, or standard APIs on the payment system.
• Settle on an alternative that integrates smoothly with your existing website or POS system.

Prioritize Security & Compliance

• Ensure the platform’s security features are of high standard such as encryption, secure wallets and compliance with the regulatory framework for financial activities.
• Good security structures lowers the risks of hacks, fraud, and loss of funds.

Consider Customer Support Quality

• Choose customers with quick access to support services (email, chat, phone).

• Support closer to home is critical for businesses based in Africa.

Value Added Features

• Features such as invoicing tools, recurring billing, analytics, and mobile money integration can help the adoption of the platform.
• Additional functionalities can help businesses to grow and manage them more efficiently.

Experience the User Journey Yourself

• You should spend some time using demo accounts or pilot implementations to appreciate how seamless the payment flow is for the end users.
• Excellent user experience will result in better conversions.

Do Your Own Research

• Have a look at community user reviews, feedback, and expert reviews.
• Having a proven and reputable payment processor will mitigate some of the operational risks.

Business Growth

• Pick a solution that is able to grow with your business in terms of the number of transactions.
• Growth flexibility provides the same solution for the long term so that you don’t have to keep moving to a new solution.

Key Point & Best CryptoProcessing Alternatives in Africa List

Platform	Key Points
Cryptomus Africa	Supports multiple cryptocurrencies, easy integration, instant transactions.
Plisio Africa	Low fees, API support for merchants, supports BTC, ETH, and stablecoins.
BTCPay Server (Africa)	Open-source, fully decentralized, no middlemen, self-hosted for full control.
CoinGate Africa	Accepts multiple crypto payments, invoicing tools, merchant-friendly dashboard.
BitPay Africa	Well-established, supports Bitcoin & stablecoins, robust security features.
Sendwave Africa	Primarily for remittances, fast transfers, easy mobile integration.
VALR Pay	Local fiat on/off ramps, crypto payments, competitive fees for African users.
Ramp Network	Seamless fiat-to-crypto onramp, API integration, supports global payments.
Eversend	Multi-currency wallet, crypto payments, cross-border transactions.
Luno Merchant Tools	Easy crypto acceptance for businesses, invoicing tools, Africa-focused support.

1. Cryptomus Africa

One of the best alternative crypto processers in Africa is Cryptomus Africa. Its speed, flexibility, and security serve as the trifecta in why it is the best and why it outdoes its competitors.

It operates with a myriad of coins available in the crypto space like Bitcoin and Ethereum, as well as stablecoins, meaning crypto payments can be accepted with ease anywhere in Africa, be it a business or individual.

Its strong API integration is especially useful in the flexibility’s case as it can be integrated with various e-commerce and mobile applications. What is especially noteworthy about Cryptomus Africa is its center of focus with local currency adjustments and its easy smoothing of fiat and crypto conversions that help merchants curb the risk volatility.

Cryptomus Africa Features , Pros & Cons

Features:

• Secured and fast transactions
• Support for merchant integration purposes
• Multi-crypto wallet and a payment

Pros:

• Supports a large variety of digital coins
• Process transactions fast and easy
• Is useable for personal and business purposes

Cons:

• Users of the mobile app might experience a lack of functions
• Africa is still in the process of fully onboarding digital currency
• Crypto has a steep learning curve, which is an obstacle for some users

2. Plisio Africa

Plisio Africa has gained recognition as a leading crypto payment processor across Africa due to the company’s low costs, extensive offered crypto assets, and simple payment integrations. Companies receive the ability to accept payments made using Bitcoin, Ethereum and various stablecoins which allows for quicker settlements and a better experience for the end-user.

What makes the payment processor truly stand out is the fact they have prioritized African based merchants. They offer flexible-api integrations along with the ability to customize payment buttons and invoices.

Their solution is sufficient enough to allow merchants to track and manage their transactions effectively. Plisio’s Africa’s strong crypto security along with the ability to convert to and from fiat empowers continental African businesses to adopt digital payments with confidence.

Plisio Africa Features , Pros & Cons

Features:

• Cryptocurrency payment processing and invoicing
• Support for multiple coins per merchant
• E-commerce platforms have integration made easy

Pros:

• Easy for new merchants to get set up
• Variety in digital coins is available
• Several Payment processing solutions

Cons:

• Adoption rates in Africa is on the lower side
• Little to no support for customers
• Primarily a crypto focus, a lack of traditional payment options

3. BTCPay Server (Africa)

BTCPay Server (Africa) is a unique crypto processor alternative in Africa. Its open-source and fully decentralized nature gives businesses unparalleled freedom and control over their transactions without the assistance of any third-party. Unlike conventional processors, it lets vendors set up their own payment servers which provides a higher degree of security and confidentiality.

It is also highly adaptable to support many other cryptocurrencies, as well easily integrates with multiple e-commerce platforms. The most distinguishable feature of BTCPay Server is its unique zero fees model and censorship resistant architecture is the one that most benefits, and suits, African businesses in search of a cheaper, more secure, and independent crypto payment processor that gives power back to the businesses and their customers.

BTCPay Server (Africa) Features , Pros & Cons

Features:

• Self hosted, open-source crypto payment processor
• Control of the capital with decentralized processing
• Several cryptocurrencies and Bitcoin are supported

Pros:

• Total autonomy from all third parties, no unnecessary fees
• Privacy and security are hard to breach
• Users are able to use the service at no charge, however they have to self-host

Cons:

• Needs tech skills to get going
• Harder to maintain
• Tough for non-techies

4. CoinGate Africa

Because it combines adaptability, dependability, and user-friendly features specifically designed for African enterprises, CoinGate Africa is a top solution for cryptocurrency processing in Africa. With support for more than 50 cryptocurrencies, including Ethereum and Bitcoin, it makes it simple for businesses to take a variety of cryptocurrency payments.

The most notable aspect of CoinGate Africa is its extensive merchant tools, which make transaction administration easier for companies of all sizes. These capabilities include payment buttons, invoicing, and seamless e-commerce connection.

It also helps businesses stay profitable by providing quick settlements and clear charge schedules. CoinGate Africa offers a dependable, effective, and scalable solution for cryptocurrency payments throughout the continent with robust security features and the capacity to convert cryptocurrency to local currencies.

CoinGate Africa Features , Pros & Cons

Features:

• Support other cryptocurrencies
• Merchant invoicing, payment buttons, and POS
• Support Bitcoin, Ethereum and other altcoins

Pros:

• Global makes it easy
• Good tools support for merchants
• Support other cryptocurrencies

Cons:

• Difficult for the beginners
• Less focus on African fiat payments
• Customer service may be slower in Africa

5. BitPay Africa

BitPay is one of the most secure and trusted crypto processors in the world. BitPay Africa is the most trusted crypto processor in Africa. Companies can settle payments in Bitcoin, Ethereum, and stablecoins and can get paid every 5 days.

BitPay also offers merchants predictable fee structures, enhancing their budgetary control. What makes BitPay Africa different is its fully customizable, enterprise-grade scalable solutions, which are perfectly suited to small, medium, and large businesses.

BitPay helps African businesses and merchants adopt digital payments. BitPay helps African merchants accept digital payments with confidence. BitPay Africa has the best and most efficient payment solutions in the African market for businesses.

BitPay Africa Features , Pros & Cons

Features:

• Process bitcoins and other crypto payments
• Cards for payments and invoice settlement
• Tools for merchants with websites

Pros:

• World class security and merchants
• Good payment option for merchants
• Many crypto currencies supported

Cons:

• Small payments may get costly
• Low support for African currencies
• Difficult for any new crypto user

6. Sendwave Africa

Sendwave Africa is particularly renowned across the continent of Africa for its seamless login incursions for its crypto processing competitors in the cross border payments and remittance transactions for the fast and low price cross border payments and remittance transactions.

Although users would typically send and receive mobile money transfers, users send and receive digital currencies quickly and with ease. A major reason that receive digital currencies quickly and with ease is that they are unlike any of their competitors they are integrated deeply across many Africa’s With a user-friendly mobile interface, transparent fees, and strong security protocols,

Sendwave Africa empowers individuals and businesses to move money seamlessly across borders, making it one of the most accessible crypto payment solutions on the continent.

Sendwave Africa Features , Pros & Cons

Features:

• Cross border remittances
• Mobile money and bank transfers
• Cheap international payments

Pros:

• Transfers are instant
• Low cost for the user
• Good app for users

Cons:

• Does not support payments in crypto
• Not many features for advanced users
• Country coverage may be limited

7. VALR Pay

The fusion of crypto and local fiat transactions with little friction is what makes VALR Pay the top crypto processor in Africa, which has the largest market for crypto in the region. VALR Pay allows businesses in Africa to accept major cryptocurrencies (like Bitcoin and Ethereum) and, with the click of a button, can convert that to local fiat, taking away any risk of volatile crypto losing value.

Because VALR Pay is a crypto processor built to serve the local markets, they also have rapid settlements, an easy to use dashboard for merchants, and local currencies. VALR Pay has excellent security, custom built to meet the local regulations and is a crypto processor that can serve any size business. All these features makes VALR Pay the top crypto processor in Africa.

VALR Pay Features , Pros & Cons

Features:

• Cryptocurrency exchange and payment service
• Transfer and trade in a variety of digital currencies via a multi-currency wallet
• Merchant integrations

Pros

• Allows for trading in a variety of digital currencies
• Regulated and secure platform
• Convenient for users wanting to trade in cryptocurrencies, whether to buy, sell, or transfer.

Cons

• Service offerings and features geared mostly to cryptocurrency than fiat money.
• Low adoption of the platform by merchants in Africa.
• Some functionalities are blocked unless the user goes through a verification process.

8. Ramp Network

Ramp Network is a leading alternative in crypto processing in Africa. Ramp Network’s competitive edge is the simplicity is the digitization of payments as the ease of converting fiat to crypto allow users, both businesses and individuals to easily and conveniently make and receive payments.

Ramp Network’s unique innovation in the crypto ecosystem is the onramp solution that permits users from Africa to directly purchase crypto from their country due to geographic crypto barriers that slow down the rate of crypto adoption. Ramp Network’s partnered crypto wallets, of which there are many, offer crypto integrations in apps, websites, and ecommerce platforms.

Ramp Network’s other major selling propositions are speed, and that their transactions are processed off the the blockchain secretly and securely. As a crypto payment processing Africa’s businesses reliable digital currency payment and compliantly onboards them to crypto payments.

Ramp Network Features , Pros & Cons

Features

• On and off crypto payment ramps
• Conversions of fiat to crypto and crypto to fiat
• Integration of APIs for merchants and platforms

Pros

• Offers rapid conversions for cryptocurrency.
• Has great flexibility when it comes to payment integrations.
• Offers support for a wide variety of payment options.

Cons

• Other major currencies than the ones in Africa are limited.
• Integration is probably going to require some advanced technical setup.
• Offers a product mostly focused on businesses that are cryptocurrency native.

9. Eversend

Eversend is a top crypto processing alternative in Africa because of its exlusive approach ot digital payments and cross border transactions. Eversend helps many people and businesses send, receive, and convert all in one place.

On top of that, Eversend is the only one that does crypto wallet integrations, local fiat conversions, and seamlessly manages multi-currency accounts. Eversend provides Africa citizens a way to better manage their finances.

Eversend also offers fast transactions, low fees, and robust security to businesses to help them manage their domestic and international payments. Eversend helps many merchants and individuals in Africa to use crypto in a more seamless and helpful way.

Eversend Features , Pros & Cons

Features

• Offers a wallet that can carry both fiat and cryptocurrency
• Supports payments and bill payments across borders.
• Allows for the exchange of crypto and its transfer to other wallets.

Pros

• Offers support for a wide variety of cryptocurrencies.
• Has low fees for its transactions.
• Service is available for use by both individuals and SMEs.

Cons

• Users in certain countries face access restrictions.
• Users will face limitations until they complete the verification process.
• Not best suited for use by a high volume of users.

10. Luno Merchant Tools

Luno Merchant Tools has positioned itself as the best alternative in Africa for processing crypto payments. This service offer merchants the simplicity and ease of processing crypto payments.

Merchants are able to trade and sell Bitcoin and Ethereum, while the service merchants are able to sell set up and sell on their website or e-commerce rather easily. What differentiate Luno Merchant Tools Africa are the local currency conversions and fees. Plus, crypto volatility is pretty quick, easy and aligned with the market.

Merchants are able to manage payments easy on the dashboard, and there are options for invoicing as well. With all of these easy features, Luno Merchant Tools is helping African merchants to scale up.

Luno Merchant Tools Features , Pros & Cons

Features

• Tools for merchants to accept cryptocurrencies
• Wallets for both Bitcoin and Ethereum
• Offers invoicing and dashboards for merchants

Pros

• Smooth crypto integration for companies.
• Compliant and secure platform.
• Accepts Bitcoin and Ethereum.

Cons:

• Only supports a few of the largest cryptocurrencies.
• Smaller transactions can have a higher fee.
• Still growing in Africa.

Benefits Of Best CryptoProcessing Alternatives in Africa

Speed of Transactions

• Crypto payments are instant, allowing businesses and people to receive funds in a matter of minutes.

Inexpensive Transactions

• Crypto processors are cheaper than any traditional banking and remittance service.

Transcends Borders

• Firms are able to obtain clients in all corners of the planet and do not have to rely on local banking systems.

Multi-Currency Support

• Payments can be made in any cryptocurrency and most of the time, these platforms convert the funds in local African currencies to avoid volatility.

Robust Security

• Funds are kept in secure wallets with advanced encryption so that no one can access the funds without permission and no fraud or hacking can take place.

Compatible with Most Systems

• Most platforms have APIs, plugins and merchant tools to allow seamless integration into webpages, apps, or e-commerce platforms.

Digital Payments Availability

• Crypto processors allow for people to take part in digital payments who do not have access to traditional banking facilities.

Adaptable for Companies

• This can be used by micro businesses all the way to corporate conglomerates and provides the ability to grow without needing to migrate to another platform.

Comparison Table

Platform	Supported Cryptocurrencies	Transaction Fees	Unique Features	Local Currency Support
Cryptomus Africa	BTC, ETH, Stablecoins	Low	Instant transactions, easy API integration	Yes
Plisio Africa	BTC, ETH, LTC, Stablecoins	Low	Merchant tools, invoicing, customizable payment buttons	Yes
BTCPay Server (Africa)	BTC, ETH, other major coins	0% (self-hosted)	Open-source, fully decentralized, no middleman	Depends on setup
CoinGate Africa	BTC, ETH, 50+ altcoins	Medium	E-commerce integrations, invoicing tools	Yes
BitPay Africa	BTC, ETH, Stablecoins	Medium	Enterprise-grade tools, multi-user account management	Yes
Sendwave Africa	BTC, ETH	Low	Mobile money integration, remittance-focused	Yes
VALR Pay	BTC, ETH, Stablecoins	Low	Local fiat on/off ramps, quick settlements	Yes
Ramp Network	BTC, ETH, Stablecoins	Low	Seamless fiat-to-crypto onramp, easy API integration	Yes
Eversend	BTC, ETH, Multiple Cryptos	Low	Multi-currency wallet, cross-border payments	Yes
Luno Merchant Tools	BTC, ETH	Low	Africa-focused merchant dashboard, invoicing, easy integration	Yes

Conclusion

The digital payment landscape in Africa is changing quickly, and cryptocurrency processing platforms are essential to facilitating effective cross-border transactions for both individuals and enterprises.

The greatest substitutes, including Cryptomus Africa, Plisio Africa, BTCPay Server, CoinGate Africa, BitPay Africa, Sendwave Africa, VALR Pay, Ramp Network, Eversend, and Luno Merchant Tools, are distinguished by their distinct advantages, which include smooth fiat-to-crypto conversions, support for local currencies, quick settlements, strong security, and user-friendly integrations.

Business requirements, transaction volume, and desired features all play a role in selecting the best platform, but taken as a whole, these options offer dependable, scalable, and secure ways to accept cryptocurrency payments throughout the continent.

FAQ