you sell.we get you settld.
Settld becomes the legal seller of record in each African market, carrying tax, payments, FX, chargebacks and consumer-protection obligations. You sell into Africa without local entities.
a merchant of record is the legal seller, not just the payment pipe.
When Settld is the MoR, the contract, the invoice, the tax obligation and the liability sit with Settld, not with you.
You keep the customer relationship, the brand and the product. We carry the local seller responsibilities in every market we run.
moves money.
A payment service provider connects you to card rails and settles funds. It does not step into the sale, and it does not take on the legal or tax posture of the seller in the market.
is the seller of record.
Card-scheme rules prevent a foreign merchant from simply plugging into a local processor. An MoR is a licensed, in-market entity that transacts as the seller, so your customers pay a local business under local rules.
the surface you integrate once, everywhere we run.
every rail the customer already trusts, in one drop-in.
A single Settld checkout intelligently surfaces the payment methods that convert in each market. Statement descriptor, VAT and refund policy all localise automatically, because Settld is the seller.
four steps, one thread.
- 01
integrate once.
One API, one contract, one integration, with markets switched on as we go live in them.
- 02
we sell as the legal seller.
Settld transacts with your customer in-market, under local consumer-protection and tax rules.
- 03
we collect across every rail.
Cards, mobile money and local debit. Each customer pays the way they actually pay.
- 04
we settle you, net.
Hard-currency payout, net of tax and fees, with full reporting for finance and audit.
built for the software africa is already trying to buy.
If African customers keep failing to pay you, you are who we built this for.