Africa is not one payment market. It’s 54 different systems. And this is where most payment service providers get it wrong. The Reality of Payments in Africa If you're planning to expand your PSP into Africa, the biggest challenge is not demand. It’s infrastructure. Each country operates on completely different payment rails: Kenya runs on mobile money like M-Pesa Uganda uses MTN and Airtel Money Nigeria relies on cards, transfers, and wallets South Africa is heavily bank-bas