What Touch Group does

Touch Group, operating commercially as InTouch (legal name InTouch), is a Senegalese-headquartered fintech founded in 2014 in Dakar that provides a unified digital payment platform operating across 27 African countries. Its platform consolidates multiple payment methods — mobile money, bank cards, and digital wallets — behind a single integration layer accessible through APIs, web checkout, point-of-sale terminals, payment links, and a 60,000-strong physical TouchPoint agent network for cash-in/cash-out and service distribution. The product portfolio spans API InTouch, WebPayment, InTouch Terminal (TPE), Bulk Payment, MyTouchPoint, QR Menu, Billing, Credit Digital (nano-credit, salary advances, installments), and Buy Now Pay Later, with tailor-made enterprise solutions for multi-country deployments.

The company makes money through four primary streams: per-transaction processing fees across the platform, API integration and licensing revenue from businesses embedding InTouch into their systems, POS terminal hardware sales and servicing, and interest and fee income from the digital credit/BNPL products. Go-to-market is hybrid — an API-first self-serve posture aimed at developers and mid-market merchants, direct enterprise sales for tailormade deployments, and channel-led distribution through the TouchPoint agent network and the 2021 CFAO partnership (extending reach across up to 38 countries). Customer segments are horizontally distributed across Large Retailers, SMBs, and Large Enterprises, with vertical exposure including banking (CBAO), education (ISM Group), telecom/media (RTS), energy, e-commerce, and mobility, illustrated by a broad logo wall featuring MTN, Orange, Ecobank, Worldline, Flutterwave, Jumia, Western Union, and others.

Multi-jurisdictional regulatory positioning is a core part of the operating model: InTouch holds PSP licenses in Tanzania and across BCEAO (Côte d'Ivoire, Mali, Burkina Faso), a Money Transfer License in Guinea, an Electronic Money Establishment License in Senegal, and is a Visa PayFac, supported by PCI DSS and ISO/IEC 27001 certifications. The company is privately held with disclosed minority backing from TotalEnergies, Worldline, BIG BOOSTER, CFAO Group, and Mobility 54.

Name

Touch Group

Legal name

InTouch

Website

https://en.intouchgroup.net

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

Touch Group, operating as InTouch, is a Senegalese-headquartered fintech providing a unified digital payment platform across 27 African countries, serving 4,000+ businesses through APIs, web checkout, POS terminals, and a 60,000+ TouchPoint agent network under multi-jurisdictional PSP/EME licenses.

Ownership category

akta.pro rank

Product category

Digital Payment Processing

akta.pro primary industry

Digital Wallet Platforms (Consumer & Merchant) (BPAMAFAC)

akta.pro secondary industries

In-App / Online Checkout Wallets (FSAMAEAH), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)

Keywords

• Digital payment processing
• Mobile money services
• Payment API platform
• Point-of-sale terminals
• Merchant payment solutions

Headquarters

HQ city

Dakar

HQ country

Senegal

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales, Supply Chain

Revenue model

1. Transaction Processing Fees: InTouch earns fees from processing digital payment transactions including mobile money, card payments, and money transfers across its platform.
2. API Integration and Licensing: Revenue generated from providing API access and integration services to businesses that embed InTouch's payment solutions.
3. POS Terminal Hardware and Services: Revenue from sale and servicing of InTouch Terminal point-of-sale devices to merchants.
4. Digital Credit Services: Income from Buy Now Pay Later and Credit Digital solutions, generating revenue through interest on credit extended to customers.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels4 records

Core offering

Touch Group (InTouch) operates a unified digital payment and transaction platform across 27 African countries, enabling businesses to accept Mobile Money, bank cards, and digital wallets through a single API integration. Its product suite spans developer APIs, web payment pages, point-of-sale terminals, bulk disbursement, digital invoicing, and digital credit (Buy Now Pay Later), distributed directly via enterprise sales and through a network of over 60,000 TouchPoint agents.

Product overview

InTouch operates as a unified digital payment platform offering multiple integrated products. The core portfolio includes three flagship solutions: API InTouch (developer-facing API for payment acceptance), WebPayment (online payment processing), and InTouch Terminal (point-of-sale hardware). Supporting products include TouchPoint (physical agent network), PayLink (payment links), Bulk Payment (mass disbursements), MyTouchPoint (mobile app), QR Menu (restaurant payments), Billing (invoicing), and Credit Digital (lending). The platform is available across 27 African countries, serving over 4,000 businesses and 60,000 agents, with customization options for enterprise clients.

Differentiator

Problem solved

Functional benefit

Brands

• MyTouchPoint: Mobile application for managing digital transactions
• TouchPay
• InTouch Terminal
• TouchPoint
• WebPayment
• Bulk Payment

Products and services

• API InTouch A unified payment API that enables businesses to accept all payment methods (Mobile Money, bank cards, digital wallets) and distribute a full spectrum of digital services from a single integration point. Designed for developers and merchants integrating payment acceptance into their platforms.
• WebPayment An online payment solution that simplifies transaction management on websites, supports multiple payment methods, and streamlines the customer purchasing journey. Targeted at e-commerce merchants and online businesses.
• InTouch Terminal An all-in-one point-of-sale terminal that combines payment acceptance with value-added services and customer loyalty tools. Targeted at merchants and retailers needing a dedicated in-store payment device.
• TouchPoint A physical network of over 60,000 TouchPoints across Africa that perform cash-in, cash-out, and digital service distribution for end users. Targeted at consumers, underbanked populations, and merchants needing a physical access point to digital payments.
• PayLink A payment link solution that enables merchants and individuals to securely collect payments through shared links. Targeted at businesses and individuals needing remote or ad-hoc payment collection.
• Bulk Payment A mass payment solution enabling simultaneous salary, bonus, and bulk disbursements to employees or beneficiaries without errors or delays. Targeted at enterprises with large payroll and distribution disbursement needs (e.g., media and telecom firms).
• MyTouchPoint A mobile application for managing digital transactions and accessing InTouch services on a smartphone. Targeted at agents, merchants, and consumers using the TouchPoint ecosystem.
• QR Menu A QR code-based payment solution that enhances customer checkout experience in restaurants and hotels. Targeted at hospitality merchants and their end customers.
• Billing A digital billing solution that streamlines invoice management and payment collection. Targeted at businesses that need automated recurring or one-time invoicing with integrated payment acceptance.
• Credit Digital A digital lending solution that provides nano credit, salary advances, and installment payment options to consumers and merchants. Targeted at underbanked end users and merchants needing short-term credit.
• Tailor-made Solutions Customized digital payment and services solutions designed for complex business needs across multiple African countries. Targeted at large enterprises, banks, telecoms, and public-sector clients requiring bespoke integration, multi-country deployment, or specialized workflows.

Quantifiable outcome

• Improved user experience and simplified administrative management for education sector clients
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

One partnership is on record.

• CFAOcoreStrategic or Co-development Partner · 6 July 2021Strategic partnership announced in July 2021 involving additional capital investment. The partnership aims to expand InTouch's presence across Africa by leveraging CFAO's extensive network across 38 countries, strengthening its position in the digital payments industry.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Flutterwave: Pan-African payment infrastructure provider offering APIs for payment acceptance, mobile money, and bank transfers across multiple African countries. Direct competitor to InTouch's API InTouch and WebPayment products, with similar target merchants and developer-led GTM.
• Interswitch: Nigeria-headquartered pan-African digital payments and commerce company offering payment processing, switching, and merchant services across multiple African markets. Closely comparable business model and product scope to InTouch's unified platform.
• Wave: Mobile money operator and merchant payments provider expanding across francophone and anglophone Africa. Comparable to InTouch's TouchPoint and mobile money integration model, with overlapping target user segments.
• Cellulant: Pan-African digital payments platform providing payment APIs, mobile money aggregation, and merchant acquiring across 35+ countries. Directly comparable to InTouch's unified API, multi-country payment acceptance, and bank/MMO integrations.
• Paystack: Nigerian-origin (now Stripe-owned) payment gateway serving online merchants across Africa with developer-first APIs. Comparable to InTouch's WebPayment and API products for e-commerce merchants.

Broad incumbents

• MTN Mobile Money (MoMo): Telco-owned mobile money platform operated across multiple African markets by MTN Group. Comparable as a major payment rail that InTouch integrates with and competes against for merchant acceptance.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/touch-so-simple
• Xx.com/touchbyintouch

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Touch Group