Top Payment Gateways in Cameroon

Cameroon is a mobile money–first market.

Cards exist. But for most local customers, MTN MoMo and Orange Money are the default.

If your checkout does not support these two well, you will lose conversions. Simple.

So the “best” payment gateway in Cameroon depends on what you are actually doing.

If you sell locally, you want fast MTN MoMo and Orange Money checkout with clean settlement.

If you sell across Africa or internationally, you want one integration that works beyond Cameroon without rebuilding payments every time.

Below are the options that actually matter.

Quick comparison table

Payment gateway	Best at	Best for	Key strengths	Main trade-off
DusuPay	Cross-border Africa payments	Forex, marketplaces, global platforms	One API for multiple African countries, built for scale	Heavier than what a small local shop needs
ElemiPay	Collections + payouts + FX	Forex, gaming, crypto, high-risk platforms	High-risk friendly, FX and settlement built in	Overkill for basic local checkout
PayUnit	Local Cameroon payments	SMEs, ecommerce, local merchants	Strong MTN MoMo & Orange Money support	Limited outside Cameroon
Flutterwave	Pan-African & global checkout	Startups, SaaS, online businesses	Easy integration, cards + mobile money	Payout flows can be rigid
Paystack	Developer-friendly checkout	Tech teams, online businesses	Clean APIs and documentation	Cameroon coverage can be selective
Campay	Direct mobile money APIs	Developers, custom builds	Direct MTN MoMo & Orange Money APIs	You manage more logic yourself

1. DusuPay

What it is

DusuPay is built for businesses that want to accept and make payments across Africa, not just Cameroon.

Strengths

• One integration covers multiple African countries.

• Strong fit for forex, remittance, marketplaces, and platforms that operate across borders.

Ideal for

• Global businesses selling into Cameroon

• Platforms collecting from users in multiple African marketsForex and trading platforms that need African rails in one place

Not ideal for

A small local business that only needs basic MTN MoMo checkout.

2. ElemiPay (Elemitech)

What it is

ElemiPay is part of Elemitech’s payments stack. It focuses on collections, payouts, FX, and settlement for high risk businesses under one API.

Strengths

• Collections and payouts handled together

• FX and liquidity management built in

• Designed for industries most processors avoid

Ideal for

• Forex platforms

• Crypto and gaming businesses

• High-risk or regulated payment flows

Not ideal for

Teams that just want a simple local checkout for Cameroon only.

3. PayUnit

What it is

PayUnit is one of the most Cameroon-focused payment gateways.

Strengths

• Strong support for MTN MoMo and Orange Money

• Understands local merchant needs

• Simple onboarding for SMEs

Ideal for

• Local ecommerce businessesCameroon-based SMEs

• Merchants selling mainly inside the country

Not ideal for

Cross-border payouts or multi-country expansion.

4. Flutterwave

What it is

Flutterwave is a well-known pan-African payment gateway with global reach.

Strengths

• Supports cards and mobile money

• Good for startups expanding across Africa

• Simple hosted checkout

Ideal for

• Online businesses

• SaaS companies

• Startups that want quick setup

Not ideal for

Complex payout flows or high-risk industries.

5. Paystack

What it is

Paystack is a developer-first payment platform popular with tech teams.

Strengths

• Clean APIs

• Strong developer experience

• Good card handling

Ideal for

• Engineering-led

• businesses

• Online services

Not ideal for

Businesses that rely heavily on local mobile money volume in Cameroon.

6. Campay

What it is

Campay focuses on direct mobile money APIs for Cameroon.

Strengths

• Direct MTN MoMo and Orange Money integrations

• Great for custom payment flows

• Fast and reliable for mobile money

Ideal for

• Developers building custom systems

• Businesses where mobile money is most of the volume

Not ideal for

Anyone who wants a plug-and-play multi-method checkout.

How to choose the right payment gateway in Cameroon

Pick based on reality, not hype.

If you sell mainly in Cameroon

You need MTN MoMo and Orange Money done right.

Good fits: PayUnit, Campay

If you sell across Africa

You want one integration that scales beyond borders.

Good fits: DusuPay, ElemiPay, Flutterwave

If you are high risk

Forex, betting, gaming, crypto. Many gateways will slow you down or reject you.

ElemiPay is built for this category.

FAQ

Do I need cards in Cameroon or is mobile money enough? Mobile money is the baseline. Cards matter more when you sell internationally.

Should I integrate mobile money directly or use a gateway? Direct APIs give control but add work. Gateways give speed and multiple payment options.

What should matter besides fees?

• Settlement speed

• Reliability

• Refund handling

• Reconciliation and reportingP

• ayout support if you pay users or suppliers