Cellulant
Cellulant is a payments API platform for African businesses to collect online and offline payments via mobile money, cards, and bank accounts, with settlement and reconciliation.

Is Cellulant right for you?
Best for
- African B2B teams
- Cross-border sellers
- Marketplaces and platforms
- Omnichannel merchants
- Subscription businesses
What it does well
- One API payments
- Mobile money checkout
- Card and bank payments
- Multi-currency collections
- Settlement and reconciliation
Things to check
- Supported mobile money networks
- Settlement currencies
- Settlement timeframes
- Refund handling
- Offline payment options
Cellulant is a B2B payments platform built for businesses and partners across Africa that need to collect and manage payments online and offline through a single integration.
Key capabilities include:
- Single payments API to accept mobile money, local and international cards, and bank account payments through one connection
- Cross-border payment support designed for multi-country operations across African markets
- Real-time payment processing for prompting, collection, settlement, and reconciliation, helping businesses track transactions end to end
- Product suite coverage that includes Tingg (digital commerce and payments) and Agrikore (smart contracting for agribusiness), as referenced in the research brief
Available via API.
Target users include merchants, enterprises, financial service providers, mobile network operators, and payment-heavy sectors such as airlines, telecoms, e-commerce, ride-hailing, retail, remittances, and agribusiness.
It is notable in the African market context for its multi-country footprint (reported across 34 African countries), its focus on enabling payments for both banked and unbanked users via mobile wallets, and its long operating history (founded 2003, Kenya).
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