Our Solutions

Offering localized and compliant solutions for cross-border merchants wishing to access the largest countries in Africa

Processes payments, collects and disburses funds and manages fx conversion for cross-border digital merchants and E-commerce businesses

Reduce operational costs, maximizing revenue and increase reach through one integration covering two thirds of African GDP

Customers can focus on their core business while Cross Switch manages their technology needs and all local operational issues

Merchant can offer most preferred local payment methods to its customers

Local cards, bank transfers, cash and e-wallets

Highest conversion rates in the market

Merchant can reduce drop off rates at their billing page to close to 0%

Fully compliant with local regulations (including tax, Central Bank and other regulatory agencies)


PCI Compliant payments platform

Process Flow

Enabling global merchants to capture market share in high growth, complex African markets

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A total solution for handling local market complexity – fraud, tax, compliance, chargebacks, FX and repatriation

Barriers To Entry

Regulations And
Complex local regulations and approvals along with challenging local taxes can hinder barrier to entry

Time and investment is spent on compliant infrastructure and obtaining neccessary regulatory approvals
Most global payment solutions do not offer coverage for African infrastructure and engineering resources restrict merchant expansion to global markets

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Foreign Exchange

FX, Liquidity and Latency

Cross Switch has partnered with branches of leading international banks and local banks to develop its African banking network. To achieve competitive FX rates and to fully understand liquidity issues, processes and latency in each country

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Cross-border transactions typically have to be conducted through a commercial bank or sponsoring ‘authorised dealer’ in the relevant market with ‘authorisations’ or ‘pre-clearances’ from Central Banks (or their agencies).

Other African countries may not require authorisations per-se for repatriation, but reporting requirements may exist

Liquidity ranges from ‘good’ to ‘challenging’ depending on the market and the current political/economic environment in a country.

Often corelated to a country’s FX reserves, commodity prices (in particular oil and gold), elections and events such as bond repayments and debt refinancings can have significant bearings on liquidity and latency

Some currency pairs have remained in a 10% corridor over the past 5 years while others have fluctuated as much as 50%. Daily spot volumes differ substantially from country to country and within a country depending on numerous events.

Cross Switch strives to understand currency risk and associated issues through close ties with Central Banks and its commercial banking partners

Supporting documentation may be required (contracts, invoices, tax clearance) to initiate foreign exchange transactions and repatriation out of an African country

Typical there will be a lag between commencement of a payment process and repatriation in many African markets. Cross Switch endeavors to achieve as efficient fx and repatriation as possible by working with its banks and the regulators to reduce latency to a minimum


Cross Switch has worked with global tax advisors and their local offices, to understand the key tax considerations for our clients when supplying digital services to consumers across the African continent.

Cross Switch continues to consult with local tax authorities to ensure it remains up to date with the local tax legislation and developments to achieve compliance, transparency and the required tax, reporting, filings and payments

Cross Switch has detailed information on the tax position across its six main African focus countries. Our tax reports set out any value added tax (VAT) and withholding tax (WHT) considerations applicable in each country. Other African markets are under consideration

Based on the advice that has been received to date, one of the key considerations when determining the correct tax treatment is to identify whether our Merchant services are being sold to business customers or private individuals

From a WHT perspective, the rate of WHT will be determined based upon which entity is supplying the service and receiving payment for those services. It is also important to confirm where this entity is established for tax purposes

The way in which tax authorities seek to collect tax on digital services is evolving quickly in Africa. As an example, South Africa has introduced new legislation to ensure tax is collected in country. Our discussions with the Nigerian, Moroccan and Ghanaian tax authorities have also shown that this is an area of significant interest to them