Payment Center For Africa

What Payment Center For Africa does

Payment Center for Africa (PCA) is a Casablanca-based B2B monetics and digital solutions provider serving banks and financial institutions across 18 African countries. Founded in 2015 as a spin-off from BCP (Bank of Africa Group), the company opened to external clients in 2016 and launched its Squad Factory digital innovation unit in 2018. PCA's core offering is a multi-bank, multi-currency monetics platform that processes electronic payment transactions, manages ATM (GAB) networks, and delivers back-office monetics services. The platform is connected to international payment networks (Visa, Mastercard) and regional networks (CMI for Morocco, GIM-UEMOA for West Africa), and includes value-added services such as cardless withdrawals, contactless payments, prepaid cards, and mobile/ATM money transfers.

The company's proprietary technology stack includes real-time ATM park monitoring and supervision (ISO 9001 certified since 2005), an intelligent fraud detection system using behavioral analytics on cardholder transaction patterns, and the Squad Factory digital unit covering mobile applications, web applications, and business portals. PCA operates at meaningful scale: 2,000+ ATMs connected, 200+ million transactions processed annually, 2+ million end users served, and peak processing capacity of 23,000+ transactions per minute. The customer base spans 20+ leading African banks.

PCA monetizes through transaction-based fees on monetics processing plus professional services revenue from Squad Factory digital engagements. Pricing is structured in three tiers (Standard, Silver, Gold) on multi-year managed services contracts, with each successive tier adding operational efficiency and innovation layers. Go-to-market is direct enterprise B2B sales targeting banking institutions, supplemented by industry event presence (e.g., AIBC Eurasia 2026) and digital marketing via LinkedIn, Instagram, Facebook, and the pca.ma corporate website. The company is privately held with no disclosed funding rounds or external investment, and is led by Director General Anas Drihany.

Name

Payment Center For Africa

Legal name

Payment Center for Africa

Website

https://pca.ma

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Payment Center for Africa is a Casablanca-based B2B provider of monetics processing, ATM network monitoring, and digital solutions, serving 20+ banks across 18 African countries with a multi-bank, multi-currency platform connected to Visa, Mastercard, CMI, and GIM-UEMOA networks.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Monetics transaction processing
• Electronic payment processing
• ATM fleet monitoring
• Banking fraud management
• Digital banking solutions

Headquarters

HQ city

Casablanca

HQ country

Morocco

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Monetics Transaction Processing: Processing of electronic monetics and digital transactions for banks. Services include transaction processing, ATM park management, back-office monetics, and risk/fraud management. Revenue derived from transaction volumes processed across connected ATMs and payment terminals.
2. Digital Solutions Services: Digital transformation services including application development, business portals, and digital journey consulting. Provided through the Squad Factory unit.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Payment Center For Africa operates a multi-bank, multi-currency monetics (electronic payment) processing platform that delivers transaction processing, ATM park monitoring, monetics back-office, fraud/risk management, and project assistance to African banks. The platform connects to international (Visa, Mastercard) and regional (CMI, GIM-UEMOA) payment networks, processing 200+ million transactions annually across 2,000+ ATMs in 18 countries. A complementary Squad Factory unit provides digital transformation services including mobile applications, web applications, and business portals.

Product overview

Payment Center for Africa (PCA) operates as a unified monetics and digital solutions platform provider. The core Monétique platform (with Standard, Silver, and Gold service packages) offers end-to-end monetics capabilities including transaction processing, ATM network monitoring, monetics back-office services, fraud risk management, and project assistance. This is complemented by the Squad Factory digital unit which provides digital transformation services through mobile applications, web applications, and business portals. All offerings share a common foundation of agile methodologies and connect to international (Visa, Mastercard) and regional (CMI, GIM-UEMOA) payment networks.

Differentiator

Problem solved

Functional benefit

Brands

• Squad Factory: Digital innovation unit within PCA, focused on agile development, new technology experimentation, digital product incubation, and start-up support.

Products and services

• Monétique (Monetics Platform) Multi-bank, multi-currency monetics platform providing transaction processing, ATM network management, and back-office services for banks across Africa. The platform connects to international (Visa, Mastercard) and regional (CMI, GIM-UEMOA) payment networks and is offered as part of Standard, Silver, and Gold service packages.
• Transaction Processing Electronic transaction and monetics processing services enabling banks to process card payments and digital transactions reliably and innovatively across connected ATMs and payment terminals.
• ATM Park Monitoring (Monitoring du parc GAB) Real-time ATM network supervision solution providing automated banking machine monitoring, dispute management, and card management, with ISO 9001 certified processes maintained since 2005 and supported by 24/7 expert monitoring teams.
• Monetics Back-Office Certified back-office operations for monetics including value-added services such as cardless withdrawal, contactless payments, prepaid cards, and ATM/mobile money transfers, with performant, multi-bank, and multi-currency processing.
• Risk and Fraud Management Fraud detection and risk management solution using an analytical behavioral model for cardholder monitoring, with 24/7 expert surveillance and SLA commitments for fraud efficiency improvement across electronic transactions.
• Project Assistance (Assistance Maîtrise d'Ouvrage) Functional and technical expert support accompanying banking clients through monetics projects, from requirements gathering and functional design through testing, deployment, and change management.
• Squad Factory Digital Solutions Digital innovation unit providing customer journey digitization, mobile applications, web applications, and business portals for banks, using agile methodologies (Scrum, DevOps, Kanban) with an embedded innovation lab; has incubated more than a dozen startups.

Quantifiable outcome

• 200+ million transactions processed per year
• +3 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature4 records

Partnerships

One partnership is on record.

• Oddin.ggminorGTM or Marketing PartnerOddin.gg powered the AIBC Awards at the AIBC Eurasia 2026 summit where PCA was recognized as a notable award winner. This represents a co-marketing relationship through the awards program.

Scale indicators7 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Flutterwave: African payment infrastructure platform enabling banks and businesses to process payments across the continent — comparable to PCA's bank-facing payment processing capabilities and pan-African reach.
• Cellulant: Pan-African digital payments platform providing payment processing, collections, and disbursements for banks and businesses across multiple African countries — overlaps with PCA's payment processing and digital solutions offerings.
• Network International: Middle East and Africa-focused payment processor offering merchant acquiring, card processing, and ATM/payments infrastructure to banks — closely aligned with PCA's bank client base and multi-network processing model.
• DPO Group (Direct Pay Online): Pan-African payment service provider offering multi-currency processing and bank/merchant payment solutions across African markets — comparable to PCA's multi-bank, multi-currency transaction processing platform serving financial institutions.
• Onafriq (formerly MFS Africa): Pan-African payments network connecting mobile wallets, banks, and money transfer operators across Africa — directly comparable to PCA as a multi-bank, multi-country payment infrastructure provider targeting financial institutions.
• Interswitch: Nigeria-based pan-African payment processing and digital commerce platform serving banks and businesses with switching, processing, and card management — directly comparable to PCA's bank-focused monetics processing and multi-network connectivity across Africa.

Broad incumbents

• Fiserv: Global financial technology and payments provider with bank processing, card services, and ATM management solutions — overlaps with PCA's monetics and ATM supervision offerings as part of a much wider product portfolio.
• Worldline: European-headquartered global payment processor with growing African presence offering merchant services and financial processing — adjacent incumbent with overlapping bank processing capabilities.
• ACI Worldwide: Global real-time payment processing and electronic payments software provider serving banks worldwide — competes with PCA in the broader payments infrastructure category with much broader product portfolio.

Regional players

• PayU: Naspers-owned payment service provider with strong presence across emerging markets including Africa — comparable in serving banks and merchants with payment processing, but with broader geographic and product scope than PCA.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Payment-Center-for-Africa-PCA-105265874232748
• LinkedInlinkedin.com/company/payment-center-for-africa---pca
• Instagraminstagram.com/pca.officiel/?hl=en

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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 Payment Center For Africa