Send money across Africa through the financial institution you already trust.
PAPSS Access helps you discover, initiate and track cross-border payments through participating banks, fintechs and mobile-money providers across Africa.
Powered by PAPSS. Your money remains with your regulated financial institution.
One connected payment experience across Africa
Four simple steps across Africa
Discover the corridor, choose your provider, authorise the payment with your trusted institution and track it end-to-end.
Choose your payment corridor
Select the country and currency you are sending from and where the recipient will receive the money.
Enter recipient details
Send using a bank account, mobile-money number or PAPSS ID.
Select your provider
Choose from participating banks, fintechs and mobile-money providers.
Authorise and track
Complete the payment through your selected provider and track it using a PAPSS reference.
See how a PAPSS Access payment works
Try the interactive demo: pick a corridor, compare providers, authorise and track — end-to-end.
Receive payments without repeatedly sharing long account details
A PAPSS ID is a simple, portable payment identity linked to your verified bank account or mobile-money wallet.
- PAPSS ID does not hold money
- It maps to a verified receiving account
- You choose where funds are received
- Use it for bank, mobile-money or merchant payments
Built for African businesses
Accept cross-border payments, generate payment links, create PAPSS QR codes and track transactions from one simple interface.
Supported payment methods
Pay and receive in the way that works for you or your business.
Bank accounts
Direct to any PAPSS-enabled bank
Mobile-money wallets
MTN MoMo, M-Pesa, Airtel & more
Fintech accounts
Neobanks and regulated fintechs
PAPSS ID
Human-readable payment identity
Merchant payment links
Shareable checkout links
PAPSS QR codes
Scan-to-pay at any counter
Why use PAPSS Access
Use your existing institution
No need to open another bank account.
Pay in local currencies
Initiate payments using supported African currencies.
Compare available providers
View fees, rates and expected delivery times before proceeding.
Track every payment
Use a universal PAPSS payment reference.
Built for Africa
Designed around African countries, currencies and payment behaviour.
Secure authorisation
Payments are authorised through regulated banks, fintechs and mobile-money providers.
Connecting African people, businesses and economies
PAPSS Access can make cross-border payments easier to discover, simpler to initiate and more transparent to track.
Track your PAPSS payment
Every payment gets a universal PAPSS reference. Enter it anytime.
Secure by design
Experience a simpler way to pay across Africa
Discover participating providers, initiate a payment and track it from one connected interface.