If you are running a global Forex company and all you accept is Visa and Mastercard, you are getting Africa completely wrong. That approach works in Europe. It works in the US. It barely works in Africa. Visa and Mastercard Are Not Africa’s Reality In many African countries, less than 5% of the population is fully banked . Cards are not the default way people pay. Mobile money is. Let’s look at Kenya. Over 90% of adults use M-PESA  for daily payments. Rent. Bills. School fees