SPAYZ.io entered the African market by integrating mobile payment solutions, such as M-Pesa in Kenya, to meet the high demand for local payments in online gaming and high-risk sectors. This solution enabled the company to expand into new countries and increase its payment success rate (SR) in Africa by 25% through optimised integrations, localisation, and anti-fraud measures, making payments faster, safer, and more reliable.
How did SPAYZ.io achieve this?
Africa market challenges
Africa’s digital payments market is growing fast, and Kenya is one of the clearest examples of that shift. SPAYZ.io has been live in Kenya for more than two years, offering Mobile Money PayIn and PayOut, and the company sees strong demand from merchants who need local payment methods that work in high-risk verticals such as iGaming and Forex.
For providers, the challenge is conversion. Legacy rails often struggle with local preferences, regulatory complexity, and low approval rates (typically under 60% for high-risk), which is why SPAYZ.io focuses on solutions such as smart routing and anti-fraud tools designed to improve success rates and reduce declines in mobile-first markets.
Anti-fraud regulation in Africa
In Africa's high-risk markets, fraud patterns emerge quickly but can be tricky to track. SPAYZ.io's robust automated monitoring system with precise analytics helps spot unusual, risky transactions over time.
And at the same time, we go further by providing merchants with clear guidelines and advice on the safeguards in place to ensure that STK prompts are initiated only for customers registered on your platform.
For instance, when users are scammed by so-called shops that provide payment credentials and adjust the timing of their deposits, our system flags these traps early, safeguarding operations.
Trustful and safe provider matters
Trust is everything in African payments, where users simply confirm via SMS from their mobile wallet, no heavy KYC needed. SPAYZ.io prioritises reliability, ensuring every transaction feels secure and straightforward.
By partnering with vetted channels, we eliminate downtime and deliver consistent performance, building merchant confidence and user loyalty in iGaming and Forex. A service provider transforms single transactions into long-term partnerships through a flexible, tailored approach.
A real-world case: from redirect issue to seamless SR
Take one of our partners, a provider grappling with stubbornly low Success Rates (SR) in Africa. Every transaction forced users through clunky redirects to external pages, breeding doubt and drop-offs. Merchants lost up to 5-10% in conversions as confused customers abandoned their journeys.
The solution
SPAYZ.io stepped in with host-to-host integration. Then payments happen directly on the merchant's site, with intelligent selection of the optimal Mobile Money operator — no redirects, no friction. Users stay engaged, trust builds instantly, and SR soars.
This transformation happened because we've methodically expanded our African cascades.
If you localise, you win
Localisation is key to success for payment providers. Because if businesses create solutions with knowledge of the market, user flow, and GEO’s challenges, traffic flows steadily without splits, and users stick to familiar mobile operators. SPAYZ.io excels here with native support for wallets like M-Pesa, handling KES seamlessly for PayIn and PayOut.
Our extensive network offers competitive exchange rates and full local currency processing, minimising friction and maximising conversions for high-risk merchants. When payments feel local, users engage more.
Prompt settlements to enable better night sleep
Often, merchants expanding into African markets are surprised to find a longer settlement cycle than in Asian Markets. Enabling a new payment partner with no volume commitment from the merchant's side may result in a T+7 cycle, which, of course, significantly increases the risk of funds getting stuck.
Thanks to profound experience and a large network of liquidity providers, Spayz can enable T+1 settlements for merchants in Kenya, so your funds are safe and sound, available for user payouts the same day and for merchant settlements the next day.
How does the SR manage?
Low Success Rates (SR) plague African payments due to redirects that confuse users and spark security doubts. SPAYZ.io solves this with seamless payments, allowing users to stay on-site and instantly select the best operator.
Example: A merchant observed losses of more than 40% transactions before integrating the SPAYZ.io h2h channel, which solved the issue of user engagement and kept the Success Rate (SR) steadily growing by 25%.
SPAYZ.io results and future plans
SPAYZ.io delivers in Africa, driving consistently high SR with growth potential, through:
- Reliability
- Security
- strong Exchange Rates
- Flexible T+1 settlements
- Ttrue localisation
Now, eyes Cameroon and Tanzania next, with wallet-to-wallet dominance and localisation decisions. Merchants get fast onboarding for high SR in high-risk GEOs.
Ready to boost your SR right now? Contact SPAYZ.io manager for tailored solutions.
