Introduction to CrissCross

Overview

CrissCross removes the biggest barriers global merchants face when expanding into Africa — fragmented payment rails, complex compliance, and costly FX conversions.

Acting as a Merchant of Record, we let businesses sell locally without setting up entities or managing taxes, while customers pay in local currency and merchants are settled in their preferred currency and location.

Our unified infrastructure delivers the most competitive rates via fiat and stablecoin rails, enabling effortless collections, payouts, and exchanges across markets.

What is CrissCross?

CrissCross is a merchant of record platform that empowers businesses to accept payments across multiple methods and regions through a single, unified interface. As your merchant of record, CrissCross handles all payment provider relationships and domestic acquiring, eliminating the need for merchants to register with local payment providers.

With operations across 20+ markets, CrissCross provides the infrastructure you need to scale globally while maintaining local compliance and competitive FX rates.

Key Features

• Merchant of Record: Accept payments without registering with individual payment providers. CrissCross handles all provider relationships, domestic acquiring, tax, and regulatory compliance in 20+ markets.
• Competitive FX Rates: Access highly competitive FX rates on every transaction via our unified infrastructure supporting both fiat and stablecoin rails.
• Superior Performance: Outperform incumbent providers on transaction success rates and conversion through intelligent routing and automated failovers.
• Reliable Infrastructure: Built as a scalable orchestration solution with intelligent routing, multiple integrations, built-in anti-fraud, and automated fallbacks to ensure the best possible path for each transaction.
• Automated Anti-Fraud: Detect and prevent fraud with custom rules, transaction monitoring, and advanced blocking capabilities.
• Centralized Data: Aggregate payment initiation and settlement data for simplified reconciliation and a unified view.

Benefits

• Go to Market Faster: Skip the hassle of setting up a local entity. CrissCross handles tax, compliance, and regulatory requirements in 20+ markets, allowing you to launch in days, not months.
• Improve Conversion: Add locally preferred payment methods through CrissCross, driving an average of 10%+ uplift in checkout conversion across markets.
• Reduce Engineering Costs: Save on engineering resources by leveraging our API to access all local payment methods, full reconciliation visibility, and a hosted checkout that’s ready for launch.
• Better FX Rates: Access the most competitive FX rates via our unified infrastructure supporting both fiat and stablecoin rails.
• Superior Performance: Outperform competitors on transaction success rates and conversion through intelligent routing and automated failovers.
• Reliable Infrastructure: Enterprise-grade infrastructure with >99.99% uptime, horizontally scalable microservices, and resilient payment delivery with fast recovery.

Ideal Clients

CrissCross is perfect for businesses that:

• Want to expand into African markets without setting up local entities
• Need to accept payments in local currencies while settling in preferred currencies
• Require efficient settlement management across various bank accounts and currencies
• Seek to reduce engineering costs while accessing comprehensive payment infrastructure
• Want to improve conversion rates with locally preferred payment methods

Coverage

CrissCross operates in 20+ markets across Africa and the Middle East, including:

• East Africa: Kenya, Tanzania, Uganda, Rwanda
• West Africa: Nigeria, Ghana, Senegal, Ivory Coast, Benin
• Central Africa: Cameroon, DRC, Gabon
• Southern Africa: South Africa, Zambia
• Middle East: UAE, Saudi Arabia, Egypt, and more