State of Industry
State of Merchant of Record in Africa 2025
How the MoR model is transforming digital commerce across Africa — emerging trends, regulatory shifts, and data-backed strategies for cross-border growth.
2025
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80–90%
Local payment success rates with MoR
2×
Improvement in cross-border success rates
What’s inside this report
Merchant of Record is reshaping digital commerce across Africa. This research examines the operational, regulatory, and payment dynamics that help international businesses improve local conversion while reducing the burden of market-by-market compliance.
Who this is for
Expansion leaders assessing African market entry strategies
Finance, tax, and payment teams building resilient regional operations
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