Emerging Markets Payments Handbook 2025

Solutions

Payins

All-in-one payment process for global enterprises, to offer customers in emerging markets a seamless and secure payment experience.
Learn more
Payouts

Pay your staff, customers, and partners in the currency of their choice. Payouts enhances customer satisfaction and streamlines your payment process.
Learn more
for Platforms

Handling payins and payouts in local currency through a quick integration.
Defense Suite

Real-time monitoring, chargeback management tools, dispute resolution services, and data analytics.
Invoice Collection

Receive payments in your customer's local currency.

Want to know more about our Payment methods?

Africa and the Middle East

Customers

Scaling New Markets and Overcoming Challenges
Learn more
Success Stories

Impactful Results with Seamless Global Expansion
Learn more

Industries

Digital & Subscriptions

Access reliable payment solutions for your digital platform and subscription services, ensuring smooth customer interactions and global reach.
Learn more
- eLearning
- Streaming
- Gaming
- SaaS
Travel

Streamline travel payments with integrated solutions for cross-border bookings, refunds, and currency conversions for travelers everywhere.
Learn more
- Travel Agencies
- Airlines
- Hotels
- Global Distribution Services (GDS)
- Travel Tech
Retail

Drive growth for your retail business with payment solutions designed for point-of-sale, e-commerce, and omnichannel experiences.
Learn more
- Marketplace
- Retailer
Remittance & Fintech

Transform your remittance and fintech services with advanced payment technology that ensures speed, security, and compliance.
- Remittance
- Fintech
Ride Hailing & Food Delivery

Power mobility and delivery services with fast, reliable payment processing for riders and customers worldwide.
- Ride Hailing
- Food Delivery
Crypto

Connect global payments via one API linking stablecoins, local rails, and 900 methods across emerging markets
Learn more
Other industries

Expand globally with seamless payments tailored for your industry. Effortlessly accept and send payments in emerging markets worldwide.
- Payroll and HR
- Digital Advertising

Digital & Subscriptions

Access reliable payment solutions for your digital platform and subscription services, ensuring smooth customer interactions and global reach.

eLearning

Provide your eLearning platform with payment solutions that support local preferences and reliable transactions for students and teachers worldwide.
Streaming

Simplify payments for your streaming platform with local solutions that ensure smooth transactions and improve customer retention.
Gaming

Boost your gaming platform with secure, real-time payment processing designed to enhance user satisfaction and monetization.
SaaS

Build a payment infrastructure for your SaaS business that simplifies transactions and supports growth across regions.

Streamline travel payments with integrated solutions for cross-border bookings, refunds, and currency conversions for travelers everywhere.

Travel Agencies

The world of travel agencies is fast-paced and dynamic, transforming how people explore by offering seamless booking and unforgettable journeys
Airlines

Transform your airline customer experience with flexible payment methods and efficient solutions for global transactions.
Hotels

Enable cross-border hotel payments with tailored solutions for reservations, pre-authorizations, and on-site transactions.
Global Distribution Services (GDS)

Centralize and simplify travel distribution payments with secure, scalable solutions for your GDS platform.
Travel Tech

The world of travel tech is transforming tourism by integrating innovation and connectivity, offering seamless booking, payments, and unforgettable experiences.

Drive growth for your retail business with payment solutions designed for point-of-sale, e-commerce, and omnichannel experiences.

Marketplace

Facilitate effortless transactions in your marketplace with solutions for sellers, buyers, and secure multi-party payments.
Retailer

Empower your retail business with payment infrastructure that supports global reach, local currencies, and seamless checkouts.

Remittance & Fintech

Transform your remittance and fintech services with advanced payment technology that ensures speed, security, and compliance.

Remittance

Facilitate cross-border remittances with low-cost, reliable, and instant payment options for global communities.
Fintech

Innovate in the fintech sector with scalable payment solutions that foster growth and secure financial transactions.

Ride Hailing & Food Delivery

Power mobility and delivery services with fast, reliable payment processing for riders and customers worldwide.

Ride Hailing

Simplify transactions for your ride-hailing platform with real-time payments and support for diverse payment methods.
Food Delivery

Improve your food delivery operations with seamless payment solutions for quick, secure, and accurate order payments.

Connect global payments via one API linking stablecoins, local rails, and 900 methods across emerging markets

Other industries

Expand globally with seamless payments tailored for your industry. Effortlessly accept and send payments in emerging markets worldwide.

Payroll and HR

Broaden your partners employee-base throughout emerging markets
Digital Advertising

Tailored payment solutions to overcome unique challenges and drive revenue growth.

About us

connects global merchants with billions of emerging market consumers
Learn more

Resources

Blog

Your first stop for payment guidance in emerging markets.
Visit blog
Essentials

Dive into our carefully selected content designed to fast-track your expansion
Learn more
Paymentpedia

A comprehensive online glossary created to clarify payment-related terminology and concepts.
Learn more

Want to know more about our Payment methods?

Nigeria

Nigeria: Effortless Transactions for Nigeria’s eCommerce Market

Nigeria is Africa’s top eCommerce hub, with over 100M internet users. provides local payment options like credit cards, digital wallets, and bank transfers, ensuring fast, compliant transactions to support eCommerce growth across Nigeria.

Demerge Nigeria Limited is a limited company incorporated in Nigeria and licensed by the Central Bank of Nigeria as a Payment Solution Service Provider

Market Overview

eCommerce market revenue is expected to grow at a rate of 10.81% per year (CAGR 2023-2027)* * Source: Statista, 2023

Population: 236.74 M *

Approximately 17% of Nigerians own credit cards.

* Source: Worldometers 2024.
eCommerce: 19.6B *

Nigeria is expected to achieve $10,030.00 million in eCommerce market value by 2027*

* Source: researchandmarkets, 2024
Internet users: 55.4% *

Smartphone penetration is at 56% among Nigerians, this is why payment methods such as mobile money are important.

* Source: datareportal, beginning of 2024.

Gain insight into Nigeria's most relevant payment methods

22% Bank Transfer
16% Internationally-enabled credit card
15% Cash payments
15% Mobile money
14% Debit Cards
14% eWallets
7% Cash on Delivery
2% Domestic only credit card
2% Buy Now Pay Later

Most commonly used options

OPay
Omnichannel
Paga
Cash-based payments
Verve
Credit and debit cards

Credit and debit cards

Play like a local by offering traditional payment methods.
- Visa
- Mastercard
- Verve
Wallets
Learn more

Tackle all audiences.
- OPay
- Paga
Bank Transfers
Learn more

Count on a wide variety of options to drive conversion.
- Zenith
- GT Bank
- Unity Bank
- First Bank
- Sterling Bank
- Providus Bank
- Access
- Okra
- Regular Bank Transfers

The ultimate country Payment Handbook to unlocking eCommerce growth in Nigeria

The ultimate country Payment Handbook to unlocking eCommerce growth in Nigeria

Dominican Republic

Looking to expand other markets?

Global growth is shifting South

See how people pay—and how to reach them—with ’s Emerging Markets Payments Handbook.

See how people pay—and how to reach them—with ’s Emerging Markets Payments Handbook.

Actualizaciones del aviso de privacidad - Colombia

Le informamos que una versión actualizada del aviso de privacidad entrará en vigor el primero de julio de 2025. Hemos realizado cambios en las siguientes secciones:
4. Cuándo podemos revelar los datos personales;
8. Cookies;
9. Sus derechos;
10. Procedimientos para que los titulares puedan ejercer sus derechos en Colombia;
13. Cambios.

Lea el nuevo aviso de privacidad