Licensed Payment System Companies for Sale in Africa

Licensed Payment System Companies for Sale in Africa

Tanzania | Rwanda | Nigeria

Regulated Payment Institutions Available for Acquisition

Africa’s fintech sector continues to experience rapid growth, driven by mobile money adoption, financial inclusion initiatives, and expanding digital commerce. For fintech groups, payment service providers (PSPs), and strategic investors seeking immediate market entry, acquiring an already licensed payment institution provides a faster and more cost-efficient alternative to applying from scratch.

Zitadelle Advisory Group is currently directly mandated by the seller to present three regulated Payment System License companies for sale in key African markets:

Tanzania
Rwanda
Nigeria

These opportunities are suitable for fintech groups seeking regulated expansion, market consolidation, or strategic positioning within high-growth mobile money ecosystems.

Tanzania – Payment System License for Sale

Overview

Tanzania is one of East Africa’s most developed mobile money markets, with strong adoption among both retail and SME users. A licensed payment institution in Tanzania allows operators to participate in one of the region’s most active digital payments environments.

Permitted Activities

The license permits:

Payment gateway and payment interface services
Merchant acquiring and transaction processing
Merchant payment aggregation
Funds transfer services
Settlement and disbursement services
Refund and reversal processing
Financial communication network services
Electronic payment access for the unbanked and underbanked
Interoperability and system integration services

API and System Capabilities

C2B (Customer-to-Business) API
STK Push (Mobile Money integration)
B2C (Business-to-Customer) API
B2B (Business-to-Business) API

This makes the entity suitable for integration with mobile network operators, merchant ecosystems, and fintech platforms.

Rwanda – Payment System License for Sale

Overview

Rwanda has positioned itself as a fintech-friendly jurisdiction with a stable regulatory framework and strong governmental support for digital financial services. It is often considered a strategic gateway for regional East African operations.

Permitted Activities

Payment gateway and payment interface services
Merchant acquiring and transaction processing
Merchant payment aggregation
Funds transfer services
Settlement and disbursement services
Refund and reversal processing
Financial communication network services
Electronic payment access for the unbanked and underbanked
Interoperability and system integration services

API and System Capabilities

C2B (Customer-to-Business) API
STK Push (Mobile Money integration)
B2C (Business-to-Customer) API
B2B (Business-to-Business) API

This license is particularly attractive for groups targeting mobile-first economies and cross-border regional payment solutions.

Nigeria – Payment System License for Sale

Overview

Nigeria represents Africa’s largest economy and one of the continent’s most dynamic fintech markets. Payment transaction volumes and digital wallet penetration continue to increase year-on-year.

Acquiring a licensed payment company in Nigeria allows investors to:

Enter the largest African consumer market
Scale payment infrastructure rapidly
Participate in high-volume transaction ecosystems
Build regional or pan-African payment networks

Permitted Activities

Payment gateway and payment interface services
Merchant acquiring and transaction processing
Merchant payment aggregation
Funds transfer services
Settlement and disbursement services
Refund and reversal processing
Financial communication network services
Electronic payment access for the unbanked and underbanked
Interoperability and system integration services

Why Acquire an Existing Licensed Payment Company?

Acquiring a regulated entity offers significant advantages:

Faster market entry compared to new license applications
Immediate regulatory positioning
Existing operational infrastructure
Reduced regulatory uncertainty
Strategic acquisition of market footprint

For international fintech groups, PSPs, EMI operators, or digital banking projects, these companies may serve as strategic expansion vehicles into Sub-Saharan Africa.

Who Should Consider These Opportunities?

These licensed entities are particularly suitable for:

Fintech companies seeking African expansion
Payment service providers (PSPs)
Electronic money institutions (EMIs)
Crypto-to-fiat payment processors
Strategic investors and private equity funds
Regional payment consolidation groups

Direct Mandate

Zitadelle Advisory Group is acting directly with the seller. Detailed information, pricing discussions, and transaction structuring can be shared with qualified and serious parties upon request.

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