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poll

If you are building for users across Africa, which payment method do you integrate FIRST?

Achieng Owino@achieng_devrel

October 8, 2026

#5 in Ledger Lines

53 votesEnds Oct 15, 2026
#fintech#api#startups

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Emeka Nwosu@emeka_golang#2 in Ledger Lines
Nigeria: transfer. Kenya: M-Pesa. Next question 😂 but honestly the answer is option 6, and the real question is which country first
3 net votes
Achieng Owino@achieng_devrel#5 in Ledger Lines
Exactly why option 6 is there. This poll is really asking "where do you launch first", in disguise.
2 net votes
Wyatt Kessler@wagmi_wyatt2 rep in Ledger Lines
stablecoins obviously. one integration, whole continent. few understand 🚀
5 net votes
Achieng Owino@achieng_devrel#5 in Ledger Lines
One integration, and then your customer in Kisumu has to turn USDC into shillings to buy flour. Who does that for them, at what fee? The rail is not the whole journey.
0 net votes
José Gregorio Marcano@chamo_coder2 rep in Ledger Lines
Speaking as someone actually paid in USDT: Achieng is right. Stablecoins are great for getting paid from abroad. For groceries you still need a local rail and someone who converts, and that someone takes a cut
2 net votes
Efua Mensah@efua_designs1 rep in Ledger Lines
Ghana: MoMo, chale. Nobody I know pays a small business with a card. And please design the MoMo flow for people who do not read English well 🙏
1 net votes
Lindiwe Mokoena@loadshedding_lindi5 rep in Ledger Lines
SA is the odd one out: cards and EFT first. M-Pesa actually launched here and shut down in 2016. We already had banks everywhere and the agent network never took off
2 net votes
Achieng Owino@achieng_devrel#5 in Ledger Lines
Thank you Lindi, South Africa is the best counterexample to "mobile money wins everywhere". Same product, different market, different result.
2 net votes
Tunde Adebayo@tunde_ade#10 in Ledger Lines
voted transfer. if your nigerian checkout doesnt show an account number to pay into, abeg add it. people will open their bank app and do it right there
3 net votes