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← Embedded Finance Index 2026/Countries/South Africa

🇿🇦 Embedded finance in South Africa

View 59 companies on the map →

59 companies headquartered in South Africa are in the Embedded Finance Index. This page counts which embedded-finance layers they run, which providers they name and which licences they hold.

59
Companies analyzed
48 (81%)
Name at least one embedded-finance provider
25
Hold a licence issued in South Africa
12
Significant or critical accounting-integration gap
Layer adoption

Which embedded-finance layers companies in South Africa run

Companies that name at least one provider for the layer on a sourced page, out of 59.

Payments (PSP) · 66%
39
Accounts / BaaS · 41%
24
Card issuing · 31%
18
Lending / BNPL · 27%
16
FX / payouts · 24%
14
Open banking / data APIs · 14%
8
Insurance · 8%
5
Crypto / stablecoin · 7%
4
KYC / fraud · 7%
4
Payroll · 3%
2
Providers

The providers companies in South Africa name most

Payments
3
1
PayThem Payment Gateway
1
Priority CPX
1
Zapper eCommerce Gateway
1
Zapper QR Payments
1
Accounts / BaaS
1
Lesaka Technologies
1
Access Bank South Africa
1
Investec Bank
1
1
PayInc
1
Card issuing
3
1
adumo
1
Mastercard — issuer Access Bank South Africa
1
1
Investec
1
Lending / BNPL
2
1
Float
1
TymeBank
1
switchpay
1
SMEgo
1
Insurance
Inclusivity Solutions
1
Lesaka Technologies
1
Lion of Africa Life Assurance Company
1
KGA Life
1
I AM SURE
1
King Price
1
Open banking & data APIs
Stitch
2
2
1
Ozow Pay by Bank
1
Investec Developer
1
KYC
2
iiDENTIFii
1
AUTHENTIFI
1
Datanamix
1
1
FX / payouts
2
1
Xoom
1
1
1
MFS Africa
1
Sponsor banks
Access Bank South Africa
1
1
NatWest
1
1
Standard Bank of South Africa
1
Licences issued in South Africa

25 companies hold at least one; a company can hold several kinds.

Bank / credit institution
9
Lending / consumer credit
4
Insurance
2
Investment firm / crypto
2
Accounting systems they connect to

Companies that list a connector for the system.

Xero
8
WooCommerce
4
Sage
3
Shopify
3
WIX
3
Magento
2
OpenCart
2
QuickBooks
2
Who they are
Fintech
32
Infrastructure
10
Vertical SaaS
8
Bank
7
E-commerce
1
IT Services
1
Companies

Companies headquartered in South Africa

Achievement Awards GroupAdumoAfrican BankBank ZeroBankservafricaBashBridgementBrokstockCapitec BankDiscovery BankEntersektEzeebitFirstrandFrancGetSavvi HealthGrindrod BankiKhokhaInvestec One PlaceJUMOLesaka TechnologiesLulaLulalendMama MoneyMFS Africa (Onafriq)MomentMTN MoMoMukuruNaked InsuranceOdyssey Point of SaleOld MutualOnafriqOvexOzowPayPropPayShapPeach PaymentsSanlamSnapScanStandard BankStitchStitch PaymentsSysproTravelitTutukaTymeBankVALRVodapayXagoYocoZapper
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