Africa’s Best Payment Platform For Freelancers

December 7th, 2022 by Felix Cheruiyot


Discover the best payment platforms available to help you get paid quickly and securely. This guide highlights some of Africa’s best payment platform for freelancers.

Africa remains an untapped market for freelance and gig economy workers, with many African freelancers facing significant payment and other financial challenges. Payment providers have the potential to solve these challenges and help unlock the economic potential of the African continent. Many freelancers in Africa face barriers to accepting payments, including irregular and unreliable banking infrastructure, high transaction fees, and difficulty accessing various currencies.

These issues can be difficult to overcome, leading to stalled transactions, delayed payments, and currency conversion losses. As the African freelancing industry grows and evolves, so do the associated challenges. One of the most pressing concerns is payment processing. With the rise of digital payment platforms and mobile money, freelancers must find ways to securely and efficiently send and receive payments within Africa.

Fortunately, many well-known payment providers offer solutions to help freelancers take advantage of the continent’s digital economy. These payment solutions are designed to make it easier for freelancers to receive payments, reduce fees, and save time.

Payment providers offer a wide range of services, from connecting freelancers with payment networks to providing innovative solutions for managing multiple currencies. By utilizing these services, freelancers can securely and quickly receive payments from across the globe.

Knowing which platform is right for you can be difficult with many available options. In this article, we’ll discuss what payment platforms are and their benefits and give tips on choosing the right one. We’ll also review the best payment platforms for freelancers in Africa to make your decision easier.

What Are Payment Platforms?

Payment platforms refer to online services that allow individuals and businesses to send, receive, and store money digitally. They provide a secure way to transfer money from one user to another without using cash or checks. Payment platforms typically charge low transaction fees and offer additional services such as fraud protection, analytics tools, and currency conversion.

They provide a secure and convenient way to transfer money electronically, allowing users to make payments quickly and securely. They are also often used as an alternative to traditional banking methods, allowing users to send and receive money without going through a bank. Payment platforms are becoming increasingly popular as they offer more features and advantages than traditional banking methods.

They are becoming increasingly popular as they make it easier for businesses to accept customer payments without needing expensive hardware or software. Payment platforms are more secure than traditional payment methods, reducing the risk of fraud and identity theft.

Benefits of Payment Platforms

Increased security

The best Payment platform for freelancers must provide a secure and reliable way to process payments. They use encryption and other security measures to protect customer data and ensure that transactions are secure. This makes it difficult for hackers to access personal information or steal funds. Payment platforms can offer fraud protection, which helps protect buyers and sellers from fraudulent activity. This is particularly important when dealing with international payments, which can often be subject to more risk.


Payment platforms make it easy for customers to make payments quickly and conveniently. Customers can make payments from anywhere, anytime, and with any device. Payment platforms offer merchants the ability to accept payments from virtually any source, including credit and debit cards, e-wallets, and bank transfers.

With payment platforms, merchants no longer need to worry about setting up different payment methods or manually reconciling payments. The platforms provide a secure and reliable payment experience for customers and merchants, ensuring that transactions are completed accurately and instantly.

Payment platforms also provide merchants with detailed analytics, allowing them to track transactions and understand customer behavior. This is convenient for customers and merchants who no longer need to keep track of large amounts of cash. Payment platforms are also secure, ensuring that customers’ personal and financial information remains safe.

Moreover, payment platforms offer merchants a range of features, from analytics to customer loyalty programs, that enable them to manage their businesses better. These features give customers more control over their payments and make it easy to make secure payments with minimal effort.

Cost savings

Payment platforms can help businesses save money by reducing the cost of processing payments. They can also help businesses save time by automating the payment process. By streamlining the payment process, payment platforms can help businesses reduce the time they spend dealing with customer queries and payments, allowing them to focus on other important tasks.

Furthermore, payment platforms can help customers save on transaction fees, as they often charge lower than traditional payment processors. Moreover, payment platforms often offer customers more flexibility in payment options, allowing them to choose the most suitable payment method. All these features combine to make payment platforms a great way for businesses and customers to save money and time.

Improved customer experience

Payment platforms provide a better customer experience by making it easier for customers to make payments. Customers can make payments quickly and easily, and they can also track their payments in real-time. This level of control and convenience encourages customers to continue using the payment platform, ensuring customer loyalty and satisfaction.

The best payment platform for freelancers also offer more financial flexibility, allowing customers to make payments at their own pace and in whatever form they choose. This increased range of choices makes it easier for customers to find a payment option that works best for them, creating a positive customer experience.

Finally, payment platforms often have built-in features that allow customers to compare pricing and features between different payment options, helping them make an informed decision.

Increased efficiency

Payment platforms can help businesses increase efficiency by automating the payment process. This can help businesses save time and money. Payment platforms offer improved efficiency compared to manual processes. Businesses can reduce administrative costs and increase accuracy by automating the payment process. Additionally, these platforms can be integrated with existing business processes, allowing for customized solutions that reflect the needs of individual businesses. With these solutions, businesses can more easily manage their financial tasks and keep up with the payment trends they need to stay competitive.

Increased revenue

Payment platforms can increase revenue by increasing the number of processed transactions. They can also help businesses reduce the cost of processing payments. Businesses can reduce the cost per transaction by increasing the number of processed transactions. Payment platforms can also offer businesses a way to increase revenue without increasing the cost of processing payments.

Businesses can accept customer payments worldwide in multiple currencies by leveraging the platform. This can open up new revenue streams by allowing businesses to expand their customer base and offer services to customers in different countries. Additionally, businesses can offer loyalty rewards and discounts to customers, incentivizing them to use the platform more frequently.

Increased customer loyalty

Payment platforms can help businesses increase customer loyalty by making it easier for customers to make payments. Customers can feel confident that their payments will be processed quickly and securely. Payment platforms can offer discounts and rewards points to customers upon payment, helping to increase customer loyalty. These rewards can be easily tracked and redeemed, increasing customer convenience.

Payment platforms can send customers reminders about upcoming payments, removing the need for them to remember themselves. This added convenience helps ensure that customers will keep returning to the business for their payment needs. Payment platforms can also make it easier for businesses to keep track of their finances. Businesses can get real-time financial reports, helping them make informed decisions quickly.

Tips for Choosing the Right Payment Platforms

Consider regulations

Consider the regulations that apply to the payment platform, and choose a payment platform that complies with those regulations. It is important to ensure that the payment platform is compliant because failure to do so can result in financial penalties and other repercussions. If the payment platform is compliant, it may help protect against fraudulent activity and provide greater peace of mind for customers.

A payment platform compliant with regulations can also help protect against data breaches and other security risks. Therefore, it is essential to consider regulations when selecting a payment solution. Regulations must be met to protect customer data and privacy rights.

The payment platform must comply with the Payment Card Industry Data Security Standard (PCI DSS). This standard is designed to protect credit card information from theft and fraud. Additionally, consider any bank regulations or foreign exchange restrictions that could impact payments or money transfers.

Consider the cost of using the payment platform

Consider the costs of using the payment platform, such as the fees it charges, the processing time it takes, and the number of transactions it can process per hour. All these elements can make a huge difference in how successful the platform will be for your business. For example, a payment platform with a low fee and fast processing time can be a great choice if you need to process many transactions. On the other hand, if you are only processing a few transactions, a high fee and slow processing might be more cost-effective. It is important to consider these factors before deciding which payment platform is best for your business.

Understanding these costs is key to ensuring that you take advantage of the best payment option for your business. The cost of a payment platform should also include any additional features it offers, such as customer loyalty programs, built-in analytics, or support for multi-currency payments. By taking the time to research and compare different payment platforms to determine which is the most cost-effective, you can ensure that you make the best use of your resources.

Consider features of the payment platform

Consider the features of the payment platform, such as the type of transactions it can process, the security measures it uses, and the convenience features it offers. Choosing a payment platform to support the transactions you want to process is important. For example, if you want to accept payment for products and services, you will need a payment platform to process payments for physical goods and services.

If you want to accept payments for digital products and services, you will need a payment platform that can process digital goods and services. The security measures that the payment platform uses are also important to consider.

Consider target customers

Consider the customer base you want to target and choose a payment platform best suited for that customer base. The choice of payment platform can be highly influential in how successful your business is. Depending on the customers you want to reach, you may need to offer different payment methods.

Different types of customers may prefer different payment methods, so it’s important to find the right balance. This is especially important for businesses with customers from all over the world, as customers in different countries may have different payment preferences. Having a payment platform that can cater to their specific needs is key.

Understand their requirements and explore the different payment options available to them. When choosing a payment platform, ensure it can scale and secure the customer’s data and provide authentication and encryption protocols. Choosing a payment platform that can offer flexible solutions for your target customers is important.

Top 3 Best Payment Platforms for African Freelancers


IntaSend is a secure payment platform that allows users to send and receive payments with a few simple clicks. The platform offers a wide range of features, including a built-in wallet, a payment gateway, an advanced fraud detection system, and many more. IntaSend offers various payment options, including credit and debit cards, bank transfers, and Bitcoin.

It also features a secure and reliable wallet system that stores user funds and transactions quickly and securely. Furthermore, the platform has an advanced fraud detection system that monitors all transactions to ensure the security of users’ financial data. It also has a wide range of payment options, allowing users to pay in multiple currencies.

Finally, the platform offers a variety of innovative features, such as API integration, automated payment processing, and more. Below is the highlight of some of the features IntaSend offers;

Bitcoin payment

Bitcoin payments are not common among payment platforms, especially in Africa, making IntaSend a special payment platform because that’s exactly what it offers. IntaSend offers its users to receive Bitcoin payment through its CashApp interoperability. With this feature, you can easily copy your unique Bitcoin address, send it to the sender who uses CashApp, and wait to get notified about the transaction's success.

Wallet API

IntaSend is a revolutionary platform that takes the complicated process of digital wallet APIs and simplifies it. The easy-to-use interface allows users to quickly and safely send money with just a few clicks. Our wallet API eliminates the need for complicated coding and allows users to access funds from anywhere in the world instantly.

We also offer support for security protocols and encryption methods to ensure maximum safety for users. IntaSend's Wallet API offers developers an innovative way to build applications and services around blockchain technology. Our API provides an easy-to-use platform with comprehensive documentation and support to enable developers to create awesome apps quickly.

Multiple ways to get paid

We provide our users with various payment methods, from direct bank transfers to digital wallets and Bitcoin payments to credit and debit cards. Our secure payment system ensures that users have peace of mind when getting paid for their work, and our advanced technology keeps their data safe. We are committed to offering our customers the best experience possible when receiving their payments as quickly and conveniently as possible.

Payment links

IntaSend's revolutionary payment links provide businesses and individuals with a quick and secure way to receive payments. With a simple button click, the sender can instantly transfer funds, eliminating the need for lengthy forms and tedious paperwork. The recipient is immediately notified when the payment is received, allowing immediate access to the funds. Furthermore, IntaSend is also compliant with all major payment processors, ensuring that payments can be securely made from nearly any source.

A payment gateway for unregistered businesses

There’s a strict rule against unregistered businesses that forbids or limits them from using online payment gateways, and rightly so. If you enjoy the features of being an online merchant, you might as well go through the struggle of getting your business registered. On the bright side, IntaSend has created a payment gateway that allows unregistered businesses to receive and send payments online without any stress. This is particularly helpful for small online businesses that cannot afford the associated fees with business registration. The good part is that you don’t need any business documents to register an account with IntaSend.

A popular choice for freelancers

IntaSend is trusted by 2000+ freelancers who use the platform to receive money from anywhere globally, including Bitcoin payments via CashApp. IntaSend provides enough features for freelancers to manage their payments and invoices. An invoicing system allows freelancers to create and send invoices to their clients, including payment links, which they can easily generate, choose their preferred payment method, and share with their clients.


Paystack is a secure payment platform that is PCI DSS compliant and certified by Visa, Mastercard, and other payment networks. It also offers a range of APIs and plugins that allow businesses to integrate their payment systems with their websites and apps.

Paystack also offers a range of analytics and reporting tools that allow businesses to track their payments and customers. It also offers a range of customer support options, including email, phone, and live chat.

Below is the highlight of some of the features Paystack offers;

Secure payment processing

As an innovative digital payment platform, Paystack provides users with secure payment processing. The platform enables businesses to receive payments from customers in multiple countries with a simple integration process. The company takes the hassle out of setting up payment systems and makes it easier for customers to pay securely and quickly. The combination of secure payment processing, efficient integration, and Paystack's commitment to customer service makes it one of the best choices for any business looking to accept payments online.

Fraud protection

Paystack has a fraud protection suite designed to keep its merchants safe from fraudulent transactions. Paystack's fraud protection suite is constantly updated with the latest information on fraud trends. The system uses a combination of machine learning and manual review to identify and flag fraudulent transactions. Paystack also offers a chargeback protection service to its merchants.

APIs and plugins

Paystack is a modern payment processing platform with powerful APIs and plugins. It’s revolutionizing the financial sector and providing businesses with the tools to easily and securely accept payments online. With its intuitive interface, Paystack is helping to simplify the payment process and reduce the complexity of accepting payments. This makes it easier for businesses to quickly set up a secure payment gateway and start accepting payments with the click of a button.

Analytics and reporting

Paystack provides businesses with an array of powerful analytics and reporting tools. They provide insights into customer behavior, transaction trends, and other detailed metrics to help businesses make educated decisions. With Paystack, businesses can identify areas where they can increase efficiency, manage expenses and ultimately improve their bottom line. Furthermore, the analytics and reporting tools are accessible from any device so business owners can access their data anywhere.

Below is the most obvious drawback you must watch out for if you want to choose Paystack as your preferred payment platform;

Only supports registered businesses

If you have an unregistered business, Paystack might not be the ideal option for you as it only supports registered businesses. If you’re signing up as a business, you’ll need to show some business documents to get your account approved. Otherwise, you’ll only be limited to a personal account.


PesaPal is a payment provider based in Kenya that offers a secure and convenient way for customers to make payments online. It is a payment gateway that allows customers to pay for goods and services using their mobile phones, debit cards, and other payment methods.

PesaPal also offers a range of features to make payments easier and more secure. Customers can set up recurring payments, view their payment history, and manage their accounts. PesaPal also offers fraud protection and customer support.

PesaPal also offers a range of services to businesses. Businesses can use PesaPal to accept payments, manage their finances, and track payments.

Below is the highlight of some of the features PesaPal offers;

Bill payments

Paying bills can be a time-consuming and tedious process. That's why innovative startups like PesaPal have been rising to provide users with an easier and simpler way to pay their bills. PesaPal enables users to pay bills, transfer money and buy airtime across Africa from their mobile phones. With its easy onboarding process, support for popular local payment methods, and security features, PesaPal has become the go-to platform for making payments and bill payments in Africa.

Fraud protection

Since fraud protection has become common among payment providers today, PesaPal is no exception. Utilizing the latest fraud detection technology, PesaPal is constantly working to stay ahead of the curve and protect users from fraudulent activity.

Every good thing has a downside, and PesaPal is no exception. PesaPal, just like every other payment platform out there, has things its customers constantly complain about. Below are some of the common drawbacks you can experience with PesaPal;

Poor customer support

Customer support is the core of every business and must be at its best to keep customers happy. PesaPal has not been the best in this area, and more often than not, we’ve seen several complaints from customers who think the company can be better than it currently is in this regard.

Website not ideal for bill payments

A good payment provider should have its best features available both on the app and the website. PesaPal falls short in this regard as bill payment, especially the purchase of airtime, is almost not feasible on the website.


There are several great payment platforms for African freelancers, but the best depends on your needs. Some of the most popular payment platforms for African freelancers include IntaSend, PesaPal, and Paystack. Each platform has advantages and disadvantages, so choosing the one that best suits your needs is important.

For example, Paystack is popular for its user-friendly interface and wide range of payment options. At the same time, PesaPal is great for small businesses that only need access to a few payment options. Ultimately, the best payment platform for African freelancers depends on the specific needs of your business.

IntaSend is a mix of both, offering some of the best features you could ever want in a payment platform. At the end of the day, consider your needs and choose the platform that best suits your business. Sign up on IntaSend today to start accepting international payments. No registered business documents required.

Cover Photo by Windows on Unsplash

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