Key Findings

Case Study

Market Players

Share

Key Findings

Case Study

Market Players

Share

Key Findings

Case Study

Market Players

Share

Key Findings

Case Study

Market Players

Share

The 2025 State of

Merchant of Record in Africa

The 2025 State of

Merchant of Record in Africa

The 2025 State of

Merchant of Record in Africa

Discover how the Merchant of Record model is transforming

digital commerce across Africa. Gain insights into emerging

trends, regulatory shifts, and data-backed strategies to

leverage MoR for cross-border and scalable business growth.

Discover how the Merchant of Record model is transforming digital commerce across Africa. Gain insights into emerging trends, regulatory shifts, and data-backed strategies to leverage MoR for cross-border and scalable business growth.

Discover how the Merchant of Record model is transforming digital commerce across Africa. Gain insights into emerging trends, regulatory shifts, and data-backed strategies to leverage MoR for cross-border and scalable business growth.

0.0B

People

0.0B

People

0.0B

People

0.0B

People

$2.1T

Combined GDP

$2.1T

Combined GDP

$2.1T

Combined GDP

$2.1T

Combined GDP

$0.0T
$0.0T
$0.0T

B2B Payments

Scaling shouldn't be

this hard

Scaling shouldn't be

this hard

Scaling shouldn't be

this hard

African startups often struggle to scale due to

Failed payment transactions

Cross-border payments often see dramaticfailure rates

Failed payment transactions

Cross-border payments often see dramaticfailure rates

Failed payment transactions

Cross-border payments often see dramaticfailure rates

Failed payment transactions

Cross-border payments often see dramaticfailure rates

Tax registration mess

Complex regulations across multiple countries and jurisdictions

Tax registration mess

Complex regulations across multiple countries and jurisdictions

Tax registration mess

Complex regulations across multiple countries and jurisdictions

Tax registration mess

Complex regulations across multiple countries and jurisdictions

Compliance complexity

Unclear data protection and regulatory requirements

Compliance complexity

Unclear data protection and regulatory requirements

Compliance complexity

Unclear data protection and regulatory requirements

Compliance complexity

Unclear data protection and regulatory requirements

Even well-funded startups like AltSchool hit this wall.

From Product-Market Fit

to Pan-African Chaos

From Product-Market Fit

to Pan-African Chaos

From Product-Market Fit

to Pan-African Chaos

African startups often struggle to scale due to

AltSchool grew to 100,000+

students across Lagos, Nairobi,

and Kigali. But expansion brought

chaos:

Broken payment gateways

Tax registration in multiple countries

Unclear compliance rules

"We ran into serious problems accepting local

payments and staying compliant"

"We ran into serious problems accepting local

payments and staying compliant"

Adewale Yusuf, CEO, AltSchool

There's a Smarter Way:

Merchant of Record

(MoR)

There's a Smarter Way:

Merchant of Record

(MoR)

There's a Smarter Way:

Merchant of Record

(MoR)

Boost cross-border

payment success up to 90%

Local payment orchestration and compliance handled

automatically

Simplify tax & compliance

One integration covers VAT, data protection, and regulatory requirements

Expand into new markets faster

Skip the complex setup and go-to-market faster than ever

Want to Expand Faster

Across Africa?

Want to Expand Faster

Across Africa?

Want to Expand Faster

Across Africa?

Download the 2025 State of Merchant of Record in Africa report.

Packed with strategies, data, and stories from real companies.

Download the 2025 State of Merchant of Record in Africa report.

Packed with strategies, data, and stories from real companies.

Download the 2025 State of Merchant of Record in Africa report.

Packed with strategies, data, and stories from real companies.

50+ Pages

In-depth analysis and case

studies

Real Examples

Actual implementations and

results

Actionable Insights

Strategies you can

implement today