Understanding Settlement Cycles in Africa

Settlement cycles vary significantly across payment methods and markets in Africa. Understanding these differences is crucial for managing cash flow and reconciling transactions.

Mobile money settlements typically happen within 24 hours for MTN MoMo and M-Pesa, though weekends and public holidays can extend the timeline. Airtel Money settles on a T+1 schedule similar to card payments.

Card payments through Visa and Mastercard settle on a T+2 cycle in most African markets. Funds are held in a settlement account during the clearing period before being released to the merchant's account.

RohoPay simplifies this complexity by providing a unified settlement experience. Regardless of the payment method used by the customer, merchants receive a single settlement report and payout on a predictable schedule.