by Robin Philip Robin Philip No Comments

Managing Recurring Billing for Subscriptions

Subscription boxes, SaaS platforms, and insurance premiums rely on frictionless recurring billing.

African Payment Solutions powers complex recurring transaction models for major tech platforms, utilizing advanced tokenization to securely re-bill customers without requiring them to re-enter CVV numbers.

  • Tokenized Vault: Securely store card tokens for future billing.
  • High Success Rates: Smart routing to prevent false declines on recurring hits.
  • Flexibility: Perfect for insurance premiums and monthly subscriptions.

Automate your recurring revenue.

Email us on info@africanpaymentsolutions.com

by Robin Philip Robin Philip No Comments

Boosting Checkout Conversions with Google Pay

Typing out 16-digit card numbers is a leading cause of mobile cart abandonment. African Payment Solutions is rolling out digital wallets like Google Pay, Apple Pay and Samsung Pay enabling customers to complete transactions with a single click or biometric scan.

  • Frictionless Checkout: Eliminates manual data entry.
  • Mobile Optimized: Perfect for consumers shopping on mobile.
  • Security: Leverages device-level biometric authentication.

Modernize your checkout experience.

Email us on info@africanpaymentsolutions.com

by Robin Philip Robin Philip No Comments

Automated Invoicing and Smart Payment Links

Not every business needs a complex e-commerce storefront for getting paid online.

African Payment Solutions provides an automated invoicing and payment link system ideal for B2B and B2C merchants, service providers, and professionals.

Merchants simply upload a CSV file of their invoices, and the system automatically generates branded PDFs and unique payment links for customers.

  • Batch Uploads: Generate hundreds of invoices instantly via CSV.
  • Click-to-Pay: Customers can pay instantly using all enabled payment methods.
  • Tracking: A dedicated dashboard to monitor paid and pending invoices.

Get paid faster with smart links. Email us on info@africanpaymentsolutions.com

by Robin Philip Robin Philip No Comments

The Rise of Instant EFTs: Integrating Ozow and Capitec Pay

Credit cards are no longer the only way to get paid online in South Africa. Instant EFT methods are highly popular, with higher usage than credit cards in certain demographics and verticals.

African Payment Solutions is integrated with leading banks and Instant EFT providers, like Ozow, allowing customers to pay directly from their bank accounts securely.

  • Higher Conversions: Meets local consumer demand for bank-to-bank transfers.
  • Lower Fraud: Instant EFTs have a lower risk of traditional card chargebacks.
  • Seamless Integration: Access Instant EFT alongside card payments through a single API.

Diversify your checkout options.

Email us on info@africanpaymentsolutions.com

by Robin Philip Robin Philip No Comments

Bring Your Own MID (BYO-MID) vs. Aggregator Payment Models

Merchants often overpay for processing because they are forced into rigid aggregator models. African Payment Solutions offers flexibility: startups can use our PayFac aggregator for quick onboarding, while larger enterprises can bring their own Merchant ID (MID) from banks like ABSA to secure wholesale acquiring rates.

  • Aggregator Model: Fast onboarding with pooled risk management.
  • BYO-MID: Connect your own bank account to pay a flat switching fee and keep your low bank rates.
  • Flexibility: Transition seamlessly from aggregator to your own MID as you grow.

Optimize your processing fees today.

Email us on info@africanpaymentsolutions.com

by Robin Philip Robin Philip No Comments

Handling High-Volume and Micro-Transactions for Smart Utilities

Processing micro-transactions, such as prepaid electricity or smart water metering, requires a specific payment gateway configuration to remain profitable. African Payment Solutions processes millions of Rands monthly for major utility providers by offering ultra-low switching costs.

  • Volume Capabilities: Proven capability handling bulk micro-transactions for municipalities and smart estates.
  • Cost Efficiency: Highly competitive processing and switching fees for processing only or BYO-MID
  • Automated Reconciliations: Seamless integration into utility management software.

Need a gateway that handles high volumes affordably?

Email us on info@africanpaymentsolutions.com

by Robin Philip Robin Philip No Comments

How to Simplify PCI-DSS Compliance for South African Merchants

Achieving PCI-DSS compliance can be a costly and time-consuming hurdle for growing businesses. African Payment Solutions completely removes this burden by utilizing a secure token vault and Hosted Payment Pages. When customers check out, their sensitive card data goes directly into the APS vault for Visa and Mastercard tokenization, keeping the merchant’s servers entirely out of PCI scope.

  • Tokenization: Cards are safely tokenized via network tokens.
  • Exemption: Merchants using the APS Hosted Payment Page are effectively PCI exempt.
  • Security: AWS log monitoring redacts all sensitive cardholder data automatically.

Simplify your compliance journey today. Email us on info@africanpaymentsolutions.com

by Robin Philip Robin Philip No Comments

Strategic Investment in Future Payment Methods

Challenge: Strategic Investment Dilemmas for Future Payment Methods

Deciding where to invest internal resources for future payment methods is a complex strategic challenge. Merchants face the dilemma of whether to invest in substantial infrastructure to fix current payment method issues (like EFT CX) or to “hedge bets” on emerging technologies like PayShap. There’s uncertainty about how quickly new technologies will scale, and if customers will even understand them, potentially requiring additional education efforts. Investing in features customers don’t yet know or trust adds another layer of complexity.

How a Tailored Partner Solves This:

A specialised payment partner like us with deep local market knowledge is crucial for navigating these investment decisions. They can help assess market readiness and potential adoption rates for new technologies. For instance, African Payment Solutions (APS) has already implemented Visa network tokenization (being the second in South Africa to do so) and is working on Mastercard tokenization (aiming to be the first or second). This technology offers “a lot of benefits for the e-commerce merchant”, demonstrating a proactive approach to integrating future-proof payment solutions that benefit merchants.

by Ian Ian No Comments

Good Lessons from a VC on “COVID-Beneficiaries” and Our Take on How This May Catalyse eCommerce and Online Payments Across Africa

Notes for video:  Kalon Venture Partners . . introduced to me to the term COVID-beneficiaries. 

Platforms and marketplaces, particularly related to core growth opportunities, like historically tourism and travel, and into the future SME’s moving their services online, and the consequent demand for transport and logistics systems 

Opportunity –  Incoming platforms moving from mature markets to underserved markets across Africa is a sweet spot.  They need all the help they can get and they have better margins and investment capability to tackle the market en masse to gain market share right now with smooth payment services taken care of.  This is particularly relevant when it comes to COVID-beneficiary businesses who are significantly benefitting from the new way of being.

These verticals will be on a growth curve into the future:  Retail and particularly essential services; tourism and travel will come back on stream but it will take some time – and Africa is most likely down the list when it comes to international tourism and travel operators looking for places to book and pay.  

Home entertainment like Netflix, Amazon Prime, PayTV, betting, gambling and gaming are high growth markets.  To facilitate eCommerce deliveries and to bridge the gap between people, logistics and delivery companies are thriving.

Think about your business and who it is serving and which of those or potentially new ones are onto a good growth curve.

eCommerce was on a strong growth curve before, and COVID has been rocketfuel for existing and effectively all businesses who are woke enough to move their services online.

Click here to contact us for your online payment across Africa

by Ian Ian No Comments

Vertical potentials & opportunities across Sub-Saharan Africa for Multinational eCommerce Companies

Vertical potentials & opportunities across Sub-Saharan Africa for Multinational eCommerce Companies

Vertical potentials and opportunities?  

  • Retail – giant size eCommerce (for eg Takealot, Jumia, Safaricom’s Masoko) are mostly well advanced when it comes to their own payments systems.  The silver lining is that this is paving the way for international eCommerce companies to leverage the improved consumer education, logistics and payment systems
  • Tourism and Travel – Tourism and travel are a key contributor to GDP in many SSA countries and booking engines through aggregation provide good payment opportunities
  • Betting and Gambling – digital and accessible, not affected by lack of infrastructure, and popular for entertainment
  • Deliveries and Ridesharing – transport is a base layer for all economies across SSA and the relatively underdeveloped transport infrastructures provide ample opportunities for private service provision off aggregator platforms
  • PayTV – the growth in PayTV has been significant, with Multichoice paving the way for other providers and runner up Netflix
  • DHL – their coverage of SSA is a key component in catalysing eCommerce
  • Insurance – insurance is finding new markets across Africa and cushioning Africans against shocks that come with the territory.  This could need online payment and particularly digital and smart contract based insurance platforms

If you are a multinational eCommerce company looking for payment across Africa please click here to enquire.