2025 Report

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The State of Merchant of Record in Africa





The State of Merchant of Record in Africa

Scaling business across Africa is Hard

African startups are ambitious, but expansion is a minefield of failed payments, confusing tax laws, and regulatory nightmares. These obstacles can stop even the most promising businesses in their tracks.


African startups are ambitious, but expansion is a minefield of failed payments, confusing tax laws, and regulatory nightmares. These obstacles can stop even the most promising businesses in their tracks.


Payment failures

Payment

Payment

High transaction failure rates across the continent frustrate customers and kill revenue.

An infinite canvas with modern layout, styling and typography features. Design, then publish.

An infinite canvas with modern layout, styling and typography features. Design, then publish.

Tax & compliance

Tax & compliance

Confusing tax laws and regulatory hurdles create roadblocks and slow expansion.

Setup costs

Setup costs

Building entities and gateways country by country is costly and slow.

Building entities and gateways country by country is costly and slow.

There's a Smarter Way to Scale


The Merchant of Record (MoR) model simplifies everything. Instead of juggling countless local systems, you partner with one entity that handles it all.



The Merchant of Record (MoR) model simplifies everything. Instead of juggling countless local systems, you partner with one entity that handles it all.


Cross-Border Payment Success Rates

The Old Way

0%

The MoR Way

0%

An MoR partner dramatically increases your payment success by leveraging optimized, local payment channels.

Case Study

“Working with an MoR was a game-changer. We went from struggling with payments to seamless acceptance across Africa.”

“Working with an MoR was a game-changer. We went from struggling with payments to seamless acceptance across Africa.”

Adewale Yusuf, CEO, AltSchool

Want to expand faster across Africa?

Download the 2025 State of Merchant of Record in Africa report. Packed with real-world examples, success benchmarks, and practical strategies to expand fater and smarter in Africa.