The cost of accepting payments across African markets is not always visible in the transaction fee.
Payment failures can reduce completed sales. FX costs can affect margins. Settlement deductions can make expected revenue different from actual settlement. Refunds can create additional costs, while manual reconciliation can consume valuable finance and operations time.
When these costs are spread across different markets and payment methods, it can become difficult to see where the biggest problems are.
The Cross-Border E-commerce Payment Cost & Settlement Worksheet helps you document these costs and identify the areas that may deserve attention first.
Payment conversion losses
Identify where unsuccessful or incomplete payments may be affecting completed transactions.
Payment and processing costs
Document the fees associated with collecting payments across your markets.
Currency and FX costs
Review the effect of currency conversion and related costs on your payment economics.
Settlement costs and delays
Record when funds become available, what deductions apply and whether settlement timing creates operational or cash-flow challenges.
Refund-related costs
Consider the costs and operational effort associated with refunds and payment reversals.
Reconciliation burden
Identify how much manual effort is required to match payment, settlement, and financial records.
Market-level differences
Compare payment performance and costs across the African markets in which you operate.
This worksheet is designed for e-commerce businesses collecting payments across multiple African markets. It can be particularly useful if your business is:
Gather your payment information
Collect the transaction, fee, settlement, and reconciliation information available for your markets.
Record the costs and operational impact
Use the worksheet to document the payment costs and issues affecting your business.
Compare markets and identify patterns
Look for differences in payment performance, costs and settlement across markets.
Prioritize the biggest issues
Use the completed worksheet to determine which payment or settlement problems deserve attention first.
Built for e-commerce businesses evaluating the cost, performance and operational impact of payment infrastructure across African markets.