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Scale Africa
A South African card-issuing platform for fintechs, banks, and telcos to launch virtual, physical, and digital card programs across Africa through one integration.
Scale Africa Product Overview
Is Scale Africa Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Fintech card programs
- Banks issuing cards
What It Does Well
- One integration rollout
- Virtual card issuing
Things to Check
- Supported countries list
- Card type availability
About Scale Africa
Scale is a card-issuing orchestration platform for fintechs, banks, telcos, and payment platforms in Africa that want to launch card programs without building issuer relationships, processing, and compliance from scratch.
Key capabilities include:
- Card issuing (Card-as-a-Service): Issue virtual, physical, and digital cards in multiple currencies through one integration and one contract, with issuer processing, BIN sponsorship, customer onboarding tools, and regulatory support. Scale says programs can launch in weeks rather than the 18 months typical of traditional setups.
- Card operations: Tools for fraud prevention, dispute management, decline mitigation, and transaction-level profit and loss reporting.
- Network Optimiser: Captures, reconciles, and analyses card network fees for banks, fintechs, and telcos, and recommends ways to cut them.
- Managed Services: Consulting and operational support for payment businesses, from strategy to implementation, independent of the platform they use.
Available on Web and by API.
Founded in South Africa in 2022, Scale raised a $700,000 pre-seed round in 2024 and partners with Mastercard to support card launches in Kenya, Senegal, Côte d'Ivoire, Zambia, and Zimbabwe, including SME cards, corporate spend cards, companion wallet cards, and payout cards for governments and NGOs. It also hosts the Underdogs in Africa fintech podcast.
Scale Africa Facts
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Official Links
What it does
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Frequently Asked Questions About Scale Africa
Scale is a card-issuing platform for African fintechs, banks, and telcos. You connect once, sign one contract, and Scale handles issuer processing, BIN sponsorship, onboarding, and compliance so you can launch virtual, physical, or digital cards in weeks. It also offers network fee optimisation and managed services.
Scale does not publish specific prices. It describes low setup fees and minimal monthly charges during the first 18–24 months.
Scale is based in South Africa and supports card programs in Kenya, Senegal, Côte d'Ivoire, Zambia, and Zimbabwe through its partnership with Mastercard.
Contact Scale at hello@getscale.africa or through the contact form on getscale.africa to discuss your card program.
No. Scale is infrastructure for businesses, delivered through a web platform and an API integration rather than a consumer app.
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