Get @handle →
For Businesses — Now Accepting Applications

Start accepting payments
across Africa

No integration headaches. One @handle. Every customer, every rail. Get your business live in 48 hours and start accepting from 54 countries from day one.

Apply Now → Merchant Portal View API Docs
54Countries covered
0.5%Transaction fee
<5sSettlement time
300+Payment rails
Built for African commerce

Why merchants choose AfriLink

Everything you need to accept payments from any African customer, on any device, in any currency.

💳
Accept any payment
Mobile money (M-Pesa, MTN MoMo, Airtel, Orange), bank transfer, crypto wallet, USSD — every method your customers use, all in one dashboard.
⚡
Real-time settlements
Payments settle to your wallet in seconds, not days. Withdraw to mobile money or bank on demand. No holding periods on approved accounts.
📊
Merchant dashboard
See every transaction in real time. Manage your team, view analytics, generate payment links, handle refunds and subscriptions — all in one portal.
📍
Multi-location support
Run multiple stores, branches or markets under one merchant account. Each location can have its own team members and transaction reports.
Getting started

Up and running in 3 steps

1

Apply and get approved

Submit your business details below. Our team reviews every application within 48 hours. We'll ask for basic business information — no extensive documentation required to get started.

48-hour review
2

Get your merchant @handle

Once approved, you'll receive your merchant @handle (like @techshop.ng or @mama-grace-market). This is your universal payment address. Share it on your shop front, WhatsApp, website, or receipts.

Instant setup
3

Start accepting from day 1

Your merchant portal is live immediately. Generate payment links, set up your POS terminal, invite your team, and start accepting payments from any customer across Africa — no coding required.

Day-one revenue
Pricing

Simple, transparent fees

No monthly fees. No setup costs. No surprises. Pay only when you earn.

Fee type Amount Notes
Transaction fee 0.5% Per successful transaction. Deducted at settlement.
Monthly fee None Zero. Always free to keep your account.
Setup fee None Free to apply, free to activate.
Payment links Free Unlimited payment links and QR codes.
Team members Free Unlimited team accounts with role-based access.
Wallet-to-wallet transfers Zero fee Within the AfriLink network — no cost to you.
Volume discounts Available Contact us for custom rates above $100,000/month.

Provider-side fees (mobile money operator charges, bank fees) vary by corridor and are passed through at cost. All-in fee disclosed before confirmation.

Merchant stories

Trusted by businesses across Africa

★★★★★
"Before AfriLink, I lost customers because they couldn't pay me from Ghana while I'm in Nigeria. Now I just share my @handle and the money arrives in seconds. My cross-border sales grew 40% in the first month."
AO
Adaeze Okafor
Fashion Retailer, Lagos, Nigeria
★★★★★
"The 0.5% fee is genuinely the best I've found anywhere. And real-time settlements mean I always know what's in my account. Setting up took about 20 minutes — my team was live the same afternoon."
KM
Kwame Mensah
Electronics Shop Owner, Accra, Ghana
★★★★★
"I run a small restaurant and I was skeptical — but AfriLink works with M-Pesa, bank transfer and cash QR all at once. My customers pay however they want. The dashboard shows everything clearly. Couldn't go back now."
FW
Fatuma Wanjiku
Restaurant Owner, Nairobi, Kenya
Get started

Apply to become a merchant

Fill in your details below. We review every application within 48 hours and you'll hear from us by email.

✅
Application received!
We'll review your application and be in touch within 2 business days. Check your inbox — you'll receive a confirmation shortly.
Please enter your business name.
Please enter a contact name.
Please enter a valid email address.
Please select your business type.
Please select your country.

By applying you agree to AfriLink's Terms and Privacy Policy.

Questions

Frequently asked questions

What documents do I need to apply?
To get started, we only need your business name, contact details, and country. For full KYC verification (required for higher transaction limits) you'll need a valid national ID or business registration document. You can upload these through the merchant portal after approval — you don't need them to apply.
How long does approval take?
We review every application within 48 hours on business days. Basic accounts can be activated immediately for lower transaction volumes. Full KYC verification (for unlimited limits) typically takes 1–3 business days after documents are submitted.
Do I need to be a registered business?
Not to get started. Sole traders and informal merchants can apply and begin accepting payments immediately. Registered businesses unlock higher volume limits. We accept applications from all 54 African countries and accommodate the full range of business structures common across the continent.
How do I withdraw my earnings?
Withdraw directly from your merchant dashboard to any mobile money wallet (M-Pesa, MTN MoMo, Airtel, Orange Money, etc.) or bank account in your country. Withdrawals are processed in real time or within the same business day, depending on your bank or mobile money operator.
Can I accept payments from customers in other countries?
Yes — this is AfriLink's core strength. Your merchant @handle works across all 54 African countries. A customer in Ghana can pay your Nigerian shop using Mobile Money; a customer in Kenya can pay using bank transfer — all routed through AfriLink automatically. You receive in your local currency.

Your business deserves pan-African reach.

Join thousands of merchants who accept payments from all 54 African countries. Apply in minutes — be live in 48 hours.

Apply Now → Merchant Portal