Finding the best online casino South Africa has to offer takes more than a quick search. This page compares the leading platforms players are using, examining each platform across the criteria that matter most: payment methods and withdrawal speeds, welcome bonuses and ongoing promotions, mobile compatibility, security standards, and responsible gambling tools.

Whether you are new to online gambling South Africa or looking to switch to a better operator, this comparison gives you the structured, practical information you need to make a confident decision. Every site reviewed here has been assessed for ZAR support, licensing credibility, and overall player experience.

Leading Online Casino Platforms Compared for SA Players

Casino Welcome Bonus Visit
1xBet Up to 30000 ZAR Play Here
22Bet Up to 28178.26 ZAR Play Here
MelBet Up to 32874.64 ZAR Play Here
BetWinner up to 28181.14 ZAR Play Here
20Bet Up to 2254.65 ZAR Play Here

*18+ Terms and conditions apply!

1xBet – Withdrawals processed within 15 minutes for e-wallets; extensive market coverage

22Bet – Fast crypto payouts; strong sportsbook alongside live dealer coverage

MelBet – Reliable EFT processing; broad live dealer and slots selection

BetWinner – Competitive withdrawal times; generous welcome bonus structure

20Bet – Efficient bank card processing; clean interface suited to new players

Top South Africa Online Casino Platforms Reviewed

Each of the five South Africa online casino operators reviewed below has been evaluated specifically for SA players. The reviews cover the live dealer games, mobile access, payment options, customer support quality, and the bonuses most relevant to players depositing in ZAR. Use these summaries to identify which best online casino South Africa platform best fits your playing style and budget.

1xBet – Best for Variety and Fast E-Wallet Withdrawals

1xBet Casino

1xBet operates as a best online casino South Africa candidate for users who want one of the largest sections available, with thousands of slot titles, a comprehensive table games library, and a live section powered by multiple leading software providers. The platform's gaming section is clearly separated from its sportsbook, making navigation straightforward whether you are there for slots or live dealer roulette.

The live section at 1xBet is a particular online casino South Africa strength, featuring studios from Evolution, Pragmatic Play Live, and several other providers. SA players can access live blackjack, baccarat, roulette, and game show titles around the clock. The mobile app is available as an Android APK download directly from the site, while iOS users can access a fully functional browser version or a dedicated app depending on their region.

Payment options at this online casino South Africa account include EFT, bank cards, and a wide range of cryptocurrencies, with e-wallet withdrawals typically processed within 15 minutes. Customer support is available 24/7 via live chat and email. The welcome bonus for new players is competitive, with a deposit match that applies to the gaming section specifically.

Best for: 1xBet is the best online casino South Africa option for players who want maximum game variety, fast e-wallet withdrawals, and a combined experience on a single account.

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22Bet – Best Online Casino South Africa for Crypto Users and Sports-Gaming Crossover

22Bet Casino

Among gambling sites South Africa users might use for both verticals, 22Bet positions itself as a dual-purpose platform where sports betting and iGaming carry equal weight. The main section includes slots, jackpot games, table games, and a live dealer lobby that covers all major categories. For SA players who enjoy switching between a football bet and a few rounds of blackjack, the seamless navigation between sections is a genuine advantage.

The live dealer lobby is well-stocked with Evolution Gaming titles and features dedicated tables for baccarat, roulette, and poker variants. The South Africa online casino mobile experience on 22Bet is delivered primarily through a responsive browser interface, with an Android APK available for download from the operator's website. Deposits and withdrawals in ZAR are supported, and cryptocurrency transactions are among the fastest available, often completing within minutes.

Customer support operates around the clock through live chat. For an online casino South Africa comparison, the welcome offer at 22Bet covers both sports and gaming, giving new registrants flexibility in how they use their bonus funds. Wagering requirements are standard for the market.

Best for: 22Bet is the best choice for SA players who use cryptocurrency and want a platform that integrates sports betting and iGaming without compromise.

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MelBet – Best for Live Dealer Depth and EFT Banking

MelBet Casino

MelBet has built a strong reputation among SA players as a best online casino South Africa candidate for deep live dealer offering and reliable EFT banking options. The gaming section spans thousands of titles across slots, table games, and specialty categories, with software from providers including Microgaming, NetEnt, and Pragmatic Play. The platform's layout makes it easy to filter games by provider or category.

The live dealer lobby at MelBet is one of the most comprehensive available to South Africa online casino users, with multiple tables for each major game type and dedicated studios for VIP players. The mobile app is available for both Android and iOS, offering full access to the gaming lobby, live dealer section, and cashier. EFT deposits and withdrawals are processed reliably, making MelBet a practical choice for users who prefer traditional banking methods.

For a South Africa online casino review, support availability matters. Customer support is available 24/7 and can be reached through live chat, email, and telephone. The welcome bonus is generous, with a high maximum match amount and free spins included for new registrants.

Best for: MelBet is the best online casino for SA players who prioritise live dealer depth, EFT banking reliability, and a wide game library from established software providers.

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BetWinner – Best for Bonus Value and Flexible Payment Options

BetWinner Casino

BetWinner competes strongly on bonus value, offering one of the more generous welcome packages among the gambling sites South Africa players can access. The gaming section is extensive, covering slots, table games, virtual sports, and a well-developed live dealer lobby. The platform also maintains a full sportsbook, giving users the option to diversify their activity across both verticals. That balance makes it a best online casino South Africa option for players who value promotions.

The live dealer lobby at BetWinner includes titles from Evolution, Ezugi, and other leading providers, with tables available for all major game categories. The mobile experience is supported by both an Android APK and an iOS app, with full cashier functionality available on both. For payment flexibility, this online casino South Africa setup includes EFT, bank cards, and cryptocurrency for deposits and withdrawals, with competitive processing times across all methods.

Support is available around the clock via live chat and email. Bonus terms at BetWinner are clearly documented, and the platform provides a dedicated promotions page where ongoing offers are updated regularly. In a South Africa online casino review, clear bonus documentation matters.

Best for: BetWinner is the best online casino for users who want strong bonus value, flexible payment options, and a platform that covers both gaming and sports betting comprehensively.

Play at BetWinner

20Bet – Best for Clean Design and Straightforward Gaming

20Bet Casino

20Bet offers a focused gaming experience that appeals to players who prefer a clean, uncluttered interface over feature overload. The gaming section covers slots, table games, and live dealer titles from a curated selection of software providers. While the library is not as extensive as some competitors, the quality of the titles available is consistently high. As a best online casino South Africa choice for simpler play, 20Bet keeps the experience focused.

The live dealer section at this South Africa online casino includes roulette, blackjack, baccarat, and live game shows. The platform performs well on mobile browsers, and an Android APK is available for users who prefer a dedicated app experience. SA players can deposit and withdraw using bank cards, with processing times that are reliable and transparent.

Support is available via live chat and email, with response times that are generally prompt during peak hours. The welcome bonus at this online casino South Africa account is a straightforward deposit match, with clearly stated wagering requirements and game restrictions that make it easier to plan your play.

Best for: 20Bet is the best online casino for those who want a clean, well-organised platform with honest bonus terms. The interface keeps the main steps simple. It can also suit players who are newer to online gambling South Africa.

Play at 20Bet

How We Rank the Best South Africa Online Casino Sites

The best online casino South Africa ranking methodology used in this guide is built around the specific needs of SA players. Every operator is assessed against the same set of criteria, and no site is recommended without passing each checkpoint. The goal is to give readers a transparent view of how these platforms compare so that the final South Africa online casino choice reflects genuine player priorities rather than surface-level impressions.

  • License check - For any best online casino South Africa review, licensing and regulatory compliance form the foundation of every review. A platform that cannot demonstrate valid licensing from a recognised authority is excluded regardless of its other qualities. We check for licences issued by reputable international regulators and note whether the operator has sought registration with provincial gambling boards. This filter helps separate gambling sites South Africa players can review further from sites that fail basic checks.
  • Payment options and withdrawal times - Payment options and withdrawal times are assessed in detail because they directly affect the player experience at gambling sites South Africa users compare. We examine which methods are available for ZAR transactions, what the minimum and maximum limits are, whether fees apply, and how long withdrawals realistically take from request to receipt. Fast, transparent payouts are weighted heavily in the final ranking.
  • ZAR support - ZAR support is evaluated as a standalone criterion because currency conversion fees can significantly erode player value. A best online casino South Africa account should allow SA players to deposit, play, and withdraw in Rand without automatic conversion, and those operators are rated more favourably than those that require USD or EUR accounts.
  • Mobile access - A South Africa online casino mobile test assesses both the dedicated app and the browser experience on Android and iOS devices. We look at loading speed, navigation clarity, cashier functionality, and whether the live dealer section performs reliably on mobile connections.
  • Game variety - Game range is reviewed for both breadth and quality in each online casino South Africa review. We consider the number of titles available, the diversity of categories, the software providers represented, and whether the library includes games that are popular among SA users specifically.
  • Customer support and security - Customer support and security are evaluated together in each online casino South Africa assessment because both relate to player protection. We check SSL encryption standards, two-factor authentication availability, and the responsiveness of support channels including live chat and email.
  • Responsible gambling tools - Responsible gambling tools are a mandatory inclusion in every best online casino South Africa review. Operators that provide deposit limits, session time controls, self-exclusion options, and links to local support organisations are rated more positively than those that offer minimal safeguards.

Is Online Gambling South Africa Legal?

Online gambling South Africa law is complex and has evolved significantly over recent years. The National Gambling Act of 2004 and its subsequent amendments form the primary legislative framework, but the regulation of interactive gambling remains a subject of ongoing legal development. Provincial gambling boards hold authority over licensing within their jurisdictions, and players should verify whether an operator holds a valid licence issued by one of these boards before registering.

It is important to note that many of the online gambling South Africa users access is provided by internationally licensed operators rather than locally licensed ones. While playing on these platforms is not explicitly criminalised for individual users, the legal position of offshore operators in South Africa is not straightforward. Players are encouraged to review the National Gambling Board's verified operators portal for a current list of licensed and approved operators. Understanding the legal landscape helps players make more informed choices about where they register and deposit.

Payment Methods Available at Online Casino South Africa Sites

Choosing the right payment method for a best online casino South Africa account affects how quickly you can access your winnings, how much you pay in fees, and whether your account operates in ZAR without unnecessary conversion. Cashier details matter.

SA players should check each online casino South Africa cashier for ZAR support, deposit and withdrawal limits, KYC documentation requirements, and whether the same method must be used for both deposits and withdrawals. Understanding these details before registering saves time and avoids frustration when it matters most.

Payment Methods

EFT Payments

Electronic Funds Transfer is one of the most widely used payment methods at South Africa online casino platforms. EFT allows users to transfer funds directly from their bank account to the operator, without the need for a third-party payment processor. Most major banks are supported, including Absa, Standard Bank, FNB, Nedbank, and Capitec.

Deposits via EFT are typically credited within a few hours, though some operators process them faster. Withdrawals via EFT can take between one and three business days depending on the operator and the player's bank. There are generally no fees charged by the operator for EFT transactions, though your bank may apply its own charges.

EFT is a practical choice at gambling sites South Africa users use when they prefer to keep their gambling activity connected to their primary banking relationship and are comfortable with standard processing times.

Bank Cards

Visa and Mastercard debit and credit cards are accepted at most of the sites SA players use regularly. Card deposits at an online casino South Africa account are typically instant, making them one of the fastest ways to fund a player account.

Withdrawals back to a bank card can take between three and five business days depending on the operator's processing schedule and your card issuer. SA players should be aware that some banks apply restrictions to gambling transactions, particularly on credit cards, so using a debit card is generally the more reliable option.

Most operators do not charge fees for card deposits, though withdrawal fees vary. Cards are a familiar and accessible option for players who already use them for everyday purchases, and they are supported across all five operators reviewed in this guide.

EcoPayz

EcoPayz is a digital wallet service that has gained traction at online casino South Africa platforms as a secure and relatively fast alternative to direct bank transfers. Players create an EcoPayz account, fund it via EFT or card, and then use the wallet to deposit and withdraw at participating platforms.

The advantage of this approach is that it adds a layer of separation between your bank account and your gaming activity, which some users prefer for privacy and security reasons. EcoPayz accounts can be maintained in ZAR, which avoids currency conversion costs.

Deposits via EcoPayz are typically instant, and withdrawals are generally processed within 24 to 48 hours, making it faster than direct EFT in most cases. Some operators may charge a small fee for EcoPayz transactions, so it is worth checking the cashier terms before selecting this method.

Wire Transfers

Wire transfer, also referred to as international bank transfer, is available at several South Africa online casino operators reviewed in this guide and is typically used by players who are depositing or withdrawing larger amounts. The process involves initiating a transfer from your bank account directly to the operator's banking partner.

Processing times for wire transfers are longer than other methods, often taking between three and seven business days for withdrawals to arrive. Fees may apply at both the sending and receiving ends of the transaction, and minimum transfer amounts are usually higher than for other payment methods.

Wire transfer is not the most convenient option for everyday play, but it is a viable route for players who need to move significant funds and whose preferred operator does not support faster alternatives in ZAR.

Cryptocurrency Deposits and Withdrawals

Cryptocurrency has become an increasingly popular payment method at online gambling South Africa platforms, particularly among players who value speed, privacy, and low transaction costs. Bitcoin, Ethereum, Litecoin, and Tether are among the most commonly accepted cryptocurrencies at the operators reviewed here.

Crypto deposits are typically credited within minutes of blockchain confirmation, and withdrawals are often the fastest available, with many operators completing crypto payouts within 15 to 30 minutes. There are no bank-imposed restrictions on crypto transactions, which makes this method particularly useful for users whose banks block gambling-related card payments.

The main consideration for SA users is the volatility of cryptocurrency values and the need to manage a crypto wallet alongside a player account. Players who are already comfortable with crypto will find it one of the most efficient payment routes available.

Casino Bonuses Available to SA players

Bonuses are one of the primary factors SA users consider when comparing online casino South Africa platforms, and understanding how they work is essential before claiming any offer.

The most common bonus type is the deposit match, where the operator matches a percentage of your first deposit up to a stated maximum. For example, a 100% match up to R5,000 doubles your initial deposit, giving you more funds to play with from the start.

Free spins bonuses are frequently bundled with deposit matches and are typically restricted to specific slot titles.

Cashback offers return a percentage of net losses over a defined period, providing a safety net for players who have a losing session.

Reload bonuses apply to subsequent deposits after the welcome offer has been used, rewarding continued play.

VIP and loyalty programmes at gambling sites South Africa users use can offer escalating benefits including higher cashback rates, faster withdrawals, dedicated account managers, and exclusive promotions.

Before claiming any bonus at a best online casino South Africa site, SA users should examine the wagering requirements, which specify how many times the bonus amount must be bet before a withdrawal is permitted.

A 30x wagering requirement on a R1,000 bonus means R30,000 in qualifying bets must be placed. Expiry dates, maximum bet limits while a bonus is active, and game contribution rates are equally important.

Slots typically contribute 100% toward wagering, while table games often contribute at a lower rate or not at all. Reading the full terms before opting in protects you from unexpected restrictions.

Online Casino Games You Can Play in South Africa

The range of games available at the top South Africa online casino platforms has expanded significantly in recent years, with software providers competing to deliver the most engaging and technically advanced titles. SA users now have access to the same game libraries as players in established European markets, with titles spanning classic slots, live dealer tables, crash games, and more.

The sections below cover the most popular game categories available across the five operators reviewed in this guide. In online gambling South Africa, software variety is an important part of the overall comparison.

Casino Games

Online Slots

Slots remain the most played category at every major online casino South Africa platform, and the selection available is broader than ever.

Players can choose from classic three-reel games, five-reel video slots with complex bonus features, and progressive jackpot titles where the prize pool accumulates across thousands of users.

SA players tend to gravitate toward high-volatility titles that offer the potential for large single-session wins, though medium-volatility games with frequent smaller payouts also have a strong following.

Many operators allow users to try slots in demo mode before committing real money, which is a useful way to assess a game's mechanics and bonus frequency before wagering. Popular providers represented at the operators in this guide include Pragmatic Play, NetEnt, Microgaming, and Betsoft.

Roulette Options for SA Players

Roulette is one of the most enduring table games at online gaming platforms, and SA players have access to multiple variants across both the standard gaming section and the live dealer lobby.

Roulette availability is a useful online casino South Africa comparison point. European roulette, with its single zero and lower house edge, is the most widely available and recommended variant.

American roulette, which adds a double zero and increases the house edge, is also present at most operators. French roulette, featuring the La Partage rule that returns half your stake on even-money bets when zero lands, is available at select platforms.

In the live dealer section, dedicated roulette tables with professional dealers are available around the clock, with bet limits ranging from low-stakes options suitable for casual players to high-roller tables with significantly elevated maximums.

Blackjack Variants at South Africa Online Casino Sites

Blackjack is the table game of choice for SA players who prefer skill-based gambling over pure chance. Blackjack depth helps distinguish gambling sites South Africa players compare for table games.

The operators reviewed in this guide offer multiple blackjack variants in both the standard and live dealer sections. Classic blackjack, blackjack switch, perfect pairs, and multi-hand versions are among the most commonly available.

The live blackjack tables at these platforms are particularly well-developed, with multiple simultaneous tables catering to different bet levels. Live dealer blackjack also introduces a social element that many users find more engaging than the standard RNG version.

SA users who take the time to learn basic blackjack strategy can reduce the house edge to below 0.5% on standard variants, making it one of the most player-friendly games in the lobby.

Baccarat at Online Gaming Platforms for SA Players

Baccarat has grown steadily in popularity among South African online gamingers, driven largely by the expansion of live dealer lobbies at major operators. Baccarat availability is another online casino South Africa marker for table game depth. The game's straightforward structure, with three possible outcomes on each hand, makes it accessible to users of all experience levels.

Punto Banco is the most common variant, and it is available in both standard and live formats at all five operators reviewed here. Speed baccarat, which compresses the dealing process to increase the number of hands per hour, is popular among players who prefer a faster pace. Squeeze baccarat, where the dealer slowly reveals cards for added tension, is available at premium live tables. Bet limits at baccarat tables vary widely, with options for both low-stakes and high rollers.

Crash Games at South African Gambling Sites

Crash games have emerged as one of the fastest-growing categories at gambling sites South Africa users use, particularly among younger audiences who are drawn to the format's simplicity and rapid pace.

The core mechanic involves a multiplier that increases from 1x upward until it crashes at a random point. Players must cash out before the crash occurs to lock in their winnings. Aviator by Spribe is the most widely played crash game and is available at all five operators in this guide.

The social element of crash games, where they can see each other's bets and cash-out points in real time, adds a communal dimension that distinguishes the format from traditional table games. Within online gambling South Africa, crash games are high-variance by nature, and users should approach them with clearly defined session limits.

Live Dealer Games at South Africa Online Casino Platforms

Live dealer games represent the closest online equivalent to a physical gaming venue experience, and the quality of live studios available has improved dramatically in recent years.

Evolution Gaming leads the market with titles including Lightning Roulette, Crazy Time, and Infinite Blackjack, all of which are available at multiple operators in this guide. Pragmatic Play Live and Ezugi also contribute strong live dealer content, including dedicated tables for baccarat, roulette, and poker variants.

SA players can access live dealer games on both desktop and mobile, with streaming quality that holds up well on standard mobile data connections. For a South Africa online casino live section, the combination of real dealers, real-time interaction, and genuine gaming venue atmosphere makes live dealer gaming the preferred choice for users who find standard RNG games less engaging.

Mobile Casino Apps and Browser Play

Mobile Casino Apps

Mobile access is a priority when evaluating a best online casino South Africa mobile option, and the operators reviewed in this guide all support mobile play in some form.

Android users can download APK files directly from each operator's website, bypassing the Google Play Store. iOS users can access dedicated apps where available or use the mobile browser version, which is fully functional on Safari.

The quality of the mobile experience varies between operators, but all five gambling sites South Africa players can review here offer access to the full gaming section, live dealer lobby, and cashier from a mobile device.

Speed and navigation simplicity are the two most important factors in a mobile gaming experience. A slow-loading interface or a cashier that is difficult to use on a small screen can significantly reduce the enjoyment of mobile play.

The operators in this guide have all invested in responsive design that adapts to different screen sizes without sacrificing functionality. Depositing, withdrawing, and managing your account from a mobile device should be as straightforward as it is on desktop.

Live dealer performance on mobile is particularly important in online gambling South Africa for players who rely on mobile data rather than fixed broadband, and the streaming quality at the operators reviewed here is generally reliable on 4G connections.

Security Standards, KYC Requirements, and Withdrawal Processes

Security and verification processes are a critical part of the online gaming experience, and understanding them in advance helps users avoid delays when they are ready to withdraw. All reputable online gambling South Africa platforms use SSL encryption to protect data transmitted between your device and their servers. This is the same technology used by banks and e-commerce sites, and it ensures that your personal and financial information cannot be intercepted during transmission.

KYC verification at an online casino South Africa platform is a standard requirement at all licensed operators. When you request your first withdrawal, you will typically be asked to provide a copy of your identity document, proof of address such as a utility bill or bank statement, and proof of the payment method used for deposits. This process is designed to prevent fraud and money laundering, and it is a legal obligation for operators rather than an optional step. Completing KYC verification promptly after registration, rather than waiting until your first withdrawal request, significantly reduces the time it takes to receive your funds.

In online gambling South Africa, withdrawal limits, payout timelines, and the requirement to withdraw via the same method used for deposits are all details that you should review before selecting an operator. Most platforms impose daily, weekly, or monthly withdrawal limits, and understanding these in advance ensures that your expectations are aligned with the operator's policies. Players who have completed full KYC verification generally experience faster withdrawal processing than those who have not.

Responsible Gambling Resources for SA Players

Responsible gambling is a serious obligation, and all five platforms reviewed in this page provide tools designed to help users maintain control over their gambling activity. They must be 18 years of age or older to register and play at any online gaming platform. If you are under 18, you must not attempt to access these platforms. A best online casino South Africa review should keep these tools visible.

Deposit limits allow them to set a maximum amount they can deposit over a daily, weekly, or monthly period. Session time limits send alerts or end your session after a defined period of play. Self-exclusion tools allow players to block themselves from accessing the platform for a set period, ranging from days to permanent exclusion. These tools are available in the account settings section of each operator reviewed here, which helps compare gambling sites South Africa users may use.

SA players who feel that their gambling is becoming a problem can access support through the following organisations:

The National Responsible Gambling Programme – It provides a national helpline, counselling referrals, and self-assessment tools.

The Responsible Gambling Foundation – It offers additional resources and can be contacted through the same portal as The National Responsible Gambling Programme.

Gamblers Anonymous – It provides peer support through regular meetings.

These resources are relevant across online gambling South Africa. Reaching out early is always the most effective approach.

Final Verdict: Choosing Among Gambling Sites South Africa Players Use

The best online casino South Africa users choose will depend on individual priorities. If game variety and fast e-wallet withdrawals are your primary concern, 1xBet delivers on both. If you are a cryptocurrency user who also bets on sport, 22Bet offers a seamless dual-purpose experience.

MelBet stands out for live dealer depth and EFT reliability, while BetWinner leads on bonus value and payment flexibility. 20Bet is the most accessible option for people who are newer to online gambling platforms in South Africa and want a clean, straightforward experience.

All five operators support ZAR, offer mobile access, and maintain the security standards expected of reputable gambling sites. Use the detailed reviews and comparison criteria in this guide to identify the platform that best matches your preferences, and always gamble within your means.

Frequently Asked Questions

What Is the Best Online Gaming Platform in South Africa?

The best online casino South Africa users should choose depends on what they value most. For game variety and fast withdrawals, 1xBet is a strong option. For bonus value, BetWinner competes well. For live dealer depth, MelBet is a leading choice. For an online casino South Africa decision, reviewing each operator's strengths against your own priorities is the most reliable way to identify the right fit.

Are Online Gaming Platforms Legal in South Africa?

Online gambling South Africa remains a complex legal environment. The National Gambling Act governs the sector, but many operators are licensed internationally rather than locally. Players should check the National Gambling Board's verified operators portal for information on locally licensed platforms and review the legal position of any offshore operator before registering.

Do These Platforms Support ZAR?

Yes, all five operators reviewed in this guide support South African Rand as an account currency. ZAR support means you can deposit, play, and withdraw without incurring currency conversion fees, which protects the value of your funds. This matters when using an online casino South Africa account. Always confirm ZAR availability in the cashier section before completing your registration to avoid unexpected charges.

Which Online Casino South Africa Site Has the Fastest Withdrawals?

Among the gambling sites South Africa users use from this guide, cryptocurrency withdrawals are consistently the fastest, with 1xBet and 22Bet both processing crypto payouts within 15 to 30 minutes in most cases. For EFT withdrawals, MelBet and BetWinner offer reliable processing times. The speed of any withdrawal also depends on how quickly you complete KYC verification, so completing this step early is strongly recommended. This makes KYC part of any best online casino South Africa payment review.