Alternative Payments
for Emerging
Markets.
Direct connections to the biggest banks and PSPs across LATAM, Africa and Southeast Asia. Over 20 years of payments expertise — the lowest rates, passed directly to you.
On-the-Ground in the Markets That Matter
While most payment providers talk about emerging markets from a distance, Pay-Team has built deep, direct relationships with the banks and PSPs that actually operate there. Our network spans three of the fastest-growing payment corridors in the world.
This means faster approvals, better rates, and payment solutions that genuinely work for local consumers — not just workarounds built from abroad.
End-to-End Payment Solutions
From local payment method integration to cross-border settlement infrastructure — we handle the complexity so you can focus on growth.
Alternative Payment Methods
Access the full spectrum of local payment methods — mobile money, e-wallets, bank transfers, QR codes, and cash-based solutions. We connect your business to the payment methods consumers in emerging markets actually use, maximising conversion and minimising friction.
Cross-Border Settlements
Move funds across borders with speed and compliance. We work with FCA-regulated Money Service Operators and licensed Digital Ledger Technology providers to ensure seamless, compliant settlement — at the most competitive rates available in the market.
Banking & Merchant Accounts
We establish banking relationships for merchants operating in high-risk industries — from traditional banks to licensed EMIs. Whether you need local acquiring in Brazil, a pan-African settlement solution, or a Southeast Asian merchant account, we have the connections.
Independent Payment Consultancy
Our team provides independent advisory services drawing on direct, on-the-ground experience. We assess your merchant risk profile, target markets, and volume requirements to recommend the optimal solution — with complete transparency and no conflicts of interest.
PSP & Bank Introductions
Our 20+ years of industry relationships means direct introductions to vetted payment service providers and banks — saving months of due diligence. We know who delivers, who to avoid, and how to negotiate rates that reflect your actual risk profile and volume.
Cashier UX & Tech Integration
A payment method is only as good as its checkout experience. We provide Cashier UX advice and technical integration support, ensuring local payment methods are presented correctly — reducing cart abandonment and maximising approval rates across all target markets.
We Go Where Others Won't — and We Know How
Emerging markets represent the world's greatest payments opportunity. But they require relationships, experience, and local knowledge that most payment providers simply don't have. Pay-Team was built for exactly this.
Our team has been navigating the complexity of LATAM, Africa and Southeast Asian payments for over two decades. We have direct, on-the-ground connections to the biggest banks and PSPs operating in these regions — connections that take years to build and are impossible to replicate overnight.
The Lowest Rates — Passed Directly to You
Our direct relationships with the biggest banks and PSPs in each market means we secure rates that wouldn't be available independently. We negotiate the best possible terms and pass the savings on — transparently and without hidden margins.
Faster Time to Revenue
Opening accounts with banks and PSPs in emerging markets can take months without the right contacts. Pay-Team's introductions and advocacy dramatically shortens this timeline — getting you live and processing in a fraction of the usual time.
Fully Regulated, Fully Compliant
All our recommended partners are regulated. We operate exclusively within compliant frameworks — FCA-regulated MSOs, licensed DLT providers, and established acquiring banks. Your risk is protected at every step.
A True Partner, Not Just a Directory
We don't just hand over a list of providers and walk away. Pay-Team manages the relationship, negotiates on your behalf, and provides ongoing support — ensuring your payment operations run smoothly at scale.
Deep Local Knowledge, Three Key Regions
We don't spread thin across every market. We go deep in the regions where the opportunity — and complexity — is greatest.
Latin America
LATAM is one of the fastest-growing e-commerce regions globally, yet remains massively underserved by traditional payment infrastructure. Fragmented regulatory environments, high cash usage, and diverse local preferences make specialist knowledge essential. Pay-Team has direct relationships with acquiring banks, local card schemes, and fintech PSPs across Brazil, Mexico, Colombia, Argentina, Chile, and beyond.
Africa
Africa is the world's mobile money capital — with over 500 million registered mobile money accounts. The continent's payment landscape is complex, diverse, and rich with opportunity for businesses that understand it. Our team has worked extensively across Sub-Saharan and North Africa, building relationships with mobile money operators, local banks, and regional PSPs that operate where others can't.
Southeast Asia
Southeast Asia's digital economy is projected to exceed $1 trillion by 2030. The region spans enormously diverse payment cultures — from Thailand's PromptPay to the Philippines' GCash and Vietnam's MoMo. Pay-Team navigates this complexity with on-the-ground expertise and direct PSP relationships across the region's key markets.
The Alternative Payments Specialists
Deep knowledge of the payment methods, regulations, and relationships that make emerging markets work.
Alternative Payment Methods in Emerging Markets
In emerging markets, "alternative" payment methods are often the primary payment method. Credit card penetration in parts of Sub-Saharan Africa sits below 5%. In Southeast Asia, cash and mobile wallets dominate. Across LATAM, real-time bank transfers and voucher-based payments drive billions in commerce every year.
For B2B businesses targeting these regions, getting payment infrastructure right determines whether you win or lose the market. Pay-Team exists to ensure you win.
- Mobile money integration across 30+ African operators
- Real-time payment schemes: Pix, PromptPay, PayNow, SPEI and more
- Voucher and cash-based payment acceptance at scale
- Local acquiring to maximise approval rates
- Multi-currency settlement and FX optimisation
Why LATAM Payment Methods Require Specialist Expertise
Latin America presents a unique payments challenge. Each country operates its own regulatory framework, local card schemes, and preferred payment methods. Approval rates for international card transactions frequently fall below 40% without local acquiring — while solutions like Brazil's Pix can deliver near-instant, zero-cost bank transfers at massive scale.
Understanding which payment stack to deploy, market by market, is what separates successful operators from those who leave revenue on the table.
- Local acquiring in Brazil, Mexico, Colombia, Chile and Argentina
- Pix and instant payment integration for Brazil
- OXXO and convenience store payment solutions for Mexico
- PSE and cash voucher methods for Colombia
- Cuotas (instalment) payment integration across LATAM
African Payment Processing: Beyond Mobile Money
Africa's mobile money ecosystem is the most sophisticated in the world — but also the most fragmented. With over 150 mobile money providers across 50+ countries, navigating the continent's payments landscape without experienced local partners is an enormous undertaking.
Pay-Team has built direct relationships with the operators that matter, enabling seamless collection and disbursement across the continent.
- M-Pesa integration: Kenya, Tanzania, Ghana, Mozambique
- MTN Mobile Money across 17 African markets
- South African EFT and card acquiring
- North African payment solutions: Egypt, Morocco, Tunisia
- Cross-border disbursement across Sub-Saharan Africa
Southeast Asia's Digital Payment Revolution
Southeast Asia is undergoing one of the fastest digital payment transformations in history. With 460 million internet users and a rapidly expanding middle class, the region's payment landscape has evolved from cash-dominant to a sophisticated mix of real-time payments, e-wallets, QR schemes, and open banking rails.
Pay-Team's SE Asia expertise spans from Singapore's PayNow ecosystem to Indonesia's high-growth wallet market.
- Thailand PromptPay and local bank direct debit
- Indonesia: GoPay, OVO, Dana and bank transfer
- Philippines GCash and PayMaya integration
- Singapore PayNow and card acquiring
- Vietnam MoMo, ZaloPay and VietQR
Two Decades of Payment Industry Relationships
The Pay-Team team brings over 20 years of direct, hands-on payment industry experience — not from the sidelines, but from within the banks, PSPs and payment networks that power emerging markets commerce.
This depth of experience means we don't just know who the right partners are. We have the relationships, the credibility, and the track record to open doors that would otherwise take years — and to negotiate terms that reflect your true value as a merchant.
Based in Dubai, we are ideally positioned to serve clients operating across LATAM, Africa and Asia simultaneously — with the right time zones, regulatory environment, and financial hub access to support global B2B payment operations at scale.
Years of Industry Experience
Direct experience within the banks, PSPs and payment networks of emerging markets — not advisory from a distance.
Core Market Regions
Deep, specialist focus on LATAM, Africa and SE Asia — the world's three most important emerging payment markets.
Regulated & Compliant
Every banking and PSP partner we recommend is fully regulated. We operate exclusively within compliant payment frameworks.
Minimum Deposit Options
We work with partners offering zero minimum deposit solutions, making emerging market payments accessible for businesses of all sizes.
Ready to Unlock Emerging Market Payments?
Whether you're entering a new market, struggling with approval rates, or looking to reduce processing costs — our team is ready to help. Reach out and we'll get back to you within 24 hours.
hello@pay-team.com
Address
Pay-Team
IFZA Properties
Dubai Silicon Oasis
Dubai, UAE
Response Time
All enquiries answered within 24 hours
Your enquiry is confidential. We never share your details with third parties.
Frequently Asked Questions
Everything you need to know about alternative payment methods and emerging market payment solutions.