---
title: "54pay: Payment Gateway in Africa"
description: "Collect and send payments across 20+ African countries via one API—cards, mobile money & bank transfers, plus payout to local banks/wallets."
canonical_url: "https://liners.com/54pay"
markdown_url: "https://liners.com/54pay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/54pay/screenshot.webp?v=1782852787184"
published_at: "2026-07-02T00:20:23.685Z"
updated_at: "2026-10-06T16:02:59.640Z"
---

# 54pay: Payment Gateway in Africa

Collect and send payments across 20+ African countries via one API—cards, mobile money & bank transfers, plus payout to local banks/wallets.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [54pay](/54pay)

## Summary

Collect and send payments across Africa with one API

A payments API for businesses and developers to collect customer payments and make payouts across 20+ African countries using cards, mobile money, and bank transfers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.54pay.co/ |
| Tagline | Collect and send payments across Africa with one API |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

54Pay is an Africa-focused payments platform for **businesses and developers** that need one integration to **collect and send payments** across multiple African markets.

Key capabilities include:
- **Collections (Payin)** to accept customer payments and get paid instantly, with support for **cards, mobile money, and bank transfers**.
- **Payouts** to deliver funds directly into **local bank accounts and wallets** across Africa.
- **Checkout** to embed customer payment flows in apps and websites.
- **Payment Links** for no-code payment collection, enabling teams to generate a link and share it anywhere.
- **Settlement** into a chosen account or wallet, with the website stating instant settlement in the right currency (settlement speed can vary by payment method).

Available via **Web** and **API**, with developer documentation at https://api.54pay.co.

Target users include **B2B product teams, fintechs, marketplaces, and merchants** that want to run **cross-border collections and payouts** across African countries without integrating many local payment providers.

Notable context for Africa: the website states coverage in **20+ active African countries** and a roadmap toward all **54 African countries**. It also reports **50,000+ transactions processed daily**, **$1B+ annual payment volume**, certifications for **ISO 27001**, **ISO 22301**, and **NDPR**, and registration as a **Money Services Business (MSB) with FINTRAC in Canada**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Bulk Payments](/tags/bulk-payments): Product feature or technology
- [Cross-Border Payments](/tags/cross-border-payments): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [Payment Links](/tags/payment-links): Product feature or technology
- [Cameroon](/countries/cameroon): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [Egypt](/countries/egypt): Market
- [Gambia](/countries/gambia): Market
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Mozambique](/countries/mozambique): Market
- [Nigeria](/countries/nigeria): Market
- [Tanzania](/countries/tanzania): Market
- [Uganda](/countries/uganda): Market
- [Zambia](/countries/zambia): Market

## Related pages

- [Alternatives](/54pay/alternatives)
- [Reviews](/54pay/reviews)
- [Transparency](/54pay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/54pay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)