---
title: "SzndPay: Payment Gateway in Africa — Fees"
description: "Accept cards, bank transfers, USSD & mobile money in Nigeria, Ghana, Kenya, South Africa & Senegal. Settle funds T+1–T+5 via one API."
canonical_url: "https://liners.com/szndpay"
markdown_url: "https://liners.com/szndpay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/szndpay/screenshot.webp?v=1771751066523"
published_at: "2026-02-22T09:06:28.080Z"
updated_at: "2026-08-31T07:46:01.444Z"
---

# SzndPay: Payment Gateway in Africa — Fees

Accept cards, bank transfers, USSD & mobile money in Nigeria, Ghana, Kenya, South Africa & Senegal. Settle funds T+1–T+5 via one API.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [SzndPay](/szndpay)

## Summary

Accept cards, transfers, USSD, and mobile money in one API

A payment gateway for businesses to accept and settle card, bank transfer, USSD, and mobile money payments across 10+ countries with multi-currency support.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.szndpay.com/ |
| Tagline | Accept cards, transfers, USSD, and mobile money in one API |
| Primary country | Nigeria |
| Platforms | Web, API, Android, iOS |
| Average rating | 2 |
| Published reviews | 1 |
| Verified listing | No |

## About the product

SzndPay is a **payment gateway and settlement platform** for businesses that need to collect payments across multiple methods and markets through a single integration.

Key capabilities include:
- **Omni-channel collections**: Accept **debit and credit cards**, **bank transfers**, **USSD**, and **mobile money** through one integration.
- **Acceptance and settlement**: Provide a single gateway for taking payments and settling funds, with published settlement windows (local payments typically **T+1 to T+3**, international payments typically **T+3 to T+5**, depending on method, country, and risk checks).
- **Security and compliance tooling**: Use **PCI-aligned controls**, **KYC and AML checks**, **data encryption**, and **audit trails** to support audit readiness.
- **Multi-currency and international payments**: Support **multi-currency** collections and settlements, including local African currencies such as **NGN** (availability varies by market).

Available via **web onboarding** with **APIs, SDKs, hosted checkout**, and a **sandbox** for testing integrations.

It targets **startups, SMEs, enterprises, and marketplaces**, including use cases such as **e-commerce**, **SaaS subscriptions and recurring billing**, digital content and subscriptions, and gaming (subject to compliance).

Notable for its focus on **African market coverage with international payment support**, listing acceptance in **Nigeria, Ghana, Kenya, South Africa, Senegal**, plus **United States, United Kingdom, and Canada**, while keeping one consistent API for multi-method collections.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Multi-currency](/tags/multi-currency): Product feature or technology
- [Payment Gateway](/tags/payment-gateway): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Ghana](/countries/ghana): Market
- [Kenya](/countries/kenya): Market
- [Nigeria](/countries/nigeria): Market
- [Senegal](/countries/senegal): Market
- [South Africa](/countries/south-africa): Market

## Related pages

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

## Access and citation

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