Compare the Top High-Risk Payment Processors in Africa as of January 2026

What are High-Risk Payment Processors in Africa?

High-risk payment processors, also known as high-risk merchant account providers, provide specialized services for merchants who process payments for high-risk businesses. These businesses typically have difficulty in obtaining services from traditional payment processing providers due to the associated risks. High-risk payment processors usually charge higher fees to cover their own risk and provide additional technical support. They generally offer a range of solutions tailored to meet the specific needs of each merchant, such as fraud protection, data security, and dispute resolution. Compare and read user reviews of the best High-Risk Payment Processors in Africa currently available using the table below. This list is updated regularly.

  • 1
    Payscout

    Payscout

    Payscout

    Our proprietary Paywire platform was built to handle simple and complex payment needs, with easy integration for both software and web applications. Our partners are able to process more payments by expanding their acceptance channels and adding multiple payment methods. Our platform has the ability to integrate with complex peripherals including EMV readers and check scanners, with support for mobile, web, desktop, and Thin Client solutions. ‍Paywire is a turnkey and flexible solution with multiple interfaces that can accommodate a multitude of payment processing, monitoring, and reporting needs. As an active member of ACA International, and with over 20 years of experience serving the collections industry, we know the operational and compliance needs of your agency. We are a world-leader in secure, flexible, and highly customized ecommerce solutions and our proprietary Paywire platform can be configured to meet your needs.
    Starting Price: $1.65 per month
  • 2
    CARDZ3N

    CARDZ3N

    CARDZ3N

    CARDZ3N supports global payments for credit cards, ACH, SEPA, and Crypto (140+ coins). CARDZ3N processes payments for emerging markets & high-risk businesses, including CBD, crypto exchanges, gambling, travel, and more. We also offer a Stripe Alternative with rates starting at 2.25% for non-profits & 2.75% & $0.25 for e-commerce. CARDZ3N also offers other payment options, such as ACH, payroll and HR, benefits, or business capital. CARDZ3N Our mission is to solve the most pressing problems facing our clients, large and small. Our unique approach is what distinguishes us and what makes us different. We offer a wide range of services and solutions that help organizations achieve their vision, facilitate change, and maximize performance and productivity.
  • 3
    CutPay

    CutPay

    CutPay

    At CutPay we offer a range of card machines for businesses that are looking to accept face-to-face payments. CutPay provides ecommerce online packages that create favorable premises for you to develop your business in the virtual environment. Process credit and debit card payments easily and securely over the phone or from orders received by fax through CutPay’s virtual terminal. Save time, and money and better serve your customer with CutPay EPOS solution. Whether you run a local shop with a single till or a large multi-site international franchise, CutPay can handle all of your requirements. Whether you own a restaurant, retail shop, or ecommerce site, lower fees and a bump in revenues can potentially make a big jump in your take-home income. It can even make the difference between profit and loss. In addition to our incredibly low fee rates, we also offer you excellent customer service and care by having a team of experts standing by to assist you with set up and usage.
    Starting Price: Free
  • 4
    Nuvei

    Nuvei

    Nuvei

    One platform. One partner. Limitless global possibilities. Bring it all together through one end-to-end payment technology platform. Take advantage of all Nuvei has to offer without changing provider. That’s right. We believe in choice, flexibility and redundancy. Add us to your gateway stack for faster growth and geographic coverage, or take advantage of our full platform for maximum benefits. Leverage our connections with 200+ global acquirers to capture every payment opportunity, increase acceptance rates, and reduce operating costs. Reach a new level of payment processing capability with our extensive flexibility and customization. Start processing fast. Our payment platform easily integrates with multiple gateways, platform partners and eCommerce plugins. Take advantage of all Nuvei has to offer without changing providers. That’s right. We believe in choice, flexibility and redundancy.
  • 5
    Merchant One

    Merchant One

    Merchant One

    We use state-of-the-art technology, and make compliance a top priority. We’re here to stay. We aren’t brokers, so you’ll be dealing directly with the source. We understand what it takes for merchants to be successful online. The Merchant One payment gateway offers data security, fraud detection, and lots of options for ease of use and, ultimately, your success. Virtual Terminal: Key in or swipe sales through our secure payment portal. Credit and ACH payments. If you prefer to do your own EMV Level 3 processor certification, you can interface directly with our unified payment enablement platform using our API. We’ll provide you with integration examples for your own applications as well as our integration guide and API documentation. Unlike with our SDKs, any development using our APIs will require additional processor certifications for your chosen payment device.
  • 6
    2Checkout

    2Checkout

    Verifone

    The 2Checkout Monetization Platform is comprehensive and flexible, so you can quickly pursue new market opportunities and deliver exceptional user experiences. The all-in-one monetization platform that maximizes your revenues and makes global digital sales easier. We enable merchants to accept mobile and online payments from buyers worldwide. Our payment processing is seamless, safe, reliable, no matter where you are on the map. This is the all-in-one monetization package that helps global businesses grow digital commerce revenue streams. Get in front of new customers worldwide via our niche affiliates from across the globe, and use our channel manager solution to multiply your global distribution network online. Reach out through the channels where your customers are buying.
    Starting Price: 4.5% + $0.45 per sale
  • 7
    Clover

    Clover

    Clover Network

    Clover POS is an all-in-one cloud-based solution for processing and accepting payments. With Clover POS, business owners and retailers get secure access to a complete suite of products and features that replaces standard cash register, stand-alone terminal, receipt/label printer, and barcode scanner. The platform includes features such as fast checkouts, inventory management, time clock, purchase orders and vendor maintenance, cloud reporting and management, QuickBooks integration, lifetime hardware warranty option, and so much more. Clover builds smart, customized point of sale systems to make running your business easier. Join the mass migration to online orders. We’ve got you covered from click to pickup. Shopping and dining should be enjoyable—and worry-free. Keep it that way with contact-free orders and payments. Counterside, curbside or home office-side, Clover is as mobile and flexible as you need it to be.
  • 8
    Payop

    Payop

    Payop

    Payop is a powerful terminal and payments operational system which comprises traditional terminal management functions, such as device firmware updates, along with advanced features including asset tracking, transaction analytics and providing operational insight. Payop allows you to establish independence from terminal manufacturers. Here are 10 compelling business reasons why this is important​. Payments is a critical component of any merchant’s business and any disruption to service will have a direct impact on their business and their end customers. Once a payments solution goes live, merchants or service providers have the responsibility to make sure it stays up-and-running and up to date. They require an easy to use operational toolset that proactively manages payment applications and terminals thereby helping to prevent downtime. This includes dealing with routine maintenance operations like updates as well as unforeseen circumstances.
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