CashAfrica brings mobile tap-to-pay to Chicken Republic outlets

CashAfrica, a Nigerian contactless payment infrastructure provider, has partnered with Food Concepts, the quick-service restaurant company that owns Chicken Republic, PieXpress, and The Chop Box, to bring mobile tap-to-pay to Chicken Republic outlets across Nigeria.

The partnership will let customers pay for their meals by tapping their smartphones on supported payment terminals. According to CashAfrica, the rollout will be phased, starting in Lagos before expanding to Abuja and other locations.

Chicken Republic has more than 350 outlets across Nigeria and recorded ₦60.9 billion ($45.7 million) in sales in 2023. The scale of its operations gives CashAfrica a potential route to increase the adoption of tap-to-pay payments in Nigeria.

“This is a strategic partnership to take Mobile Tap-to-Pay mainstream, while delivering the best-in-class payment experience,” Malik Asamu, CashAfrica’s chief executive officer, said in a statement. “Previously, Nigerian users and merchants could collect transfers, cards, QR code, and cash options. This strategic partnership delivers a whole new layer of payment possibilities, created the Pan-African way.”

The deal follows CashAfrica’s partnership with ChamsSwitch, a licenced switching and electronic payment processing company, in May to address regulatory compliance and transaction-routing requirements that had slowed the adoption of its contactless payment infrastructure. It also builds on an earlier integration with PalmPay, which began rolling out contactless payment functionality on its point-of-sale (POS) terminals in February 2025, starting with a 1,000-device pilot.

Founded in 2024 by Asamu and Bello Opeyemi, CashAfrica provides payment infrastructure that allows banks and fintechs to integrate contactless transactions into their existing services. Its CashTap technology uses near-field communication (NFC), a short-range wireless technology that allows compatible devices to exchange information when brought close together.

CashAfrica’s mobile tap-to-pay product allows customers to initiate payments with their phones through participating banking and fintech apps. A customer opens a supported app, selects the tap-to-pay option, authenticates the transaction where required, and taps the phone against a compatible POS terminal. Depending on the device, payment authentication can involve features such as Face ID or fingerprint recognition, according to CashAfrica.

Under the partnership with Food Concepts, users interact with PalmPay’s POS terminals for the payment, while CashAfrica supplies the technology that enables the contactless transaction. ChamsSwitch, meanwhile, supports the settlement side of the transaction. Asamu told TechCabal in an interview that the company acts as a regulatory and infrastructure partner, helping facilitate funds movement between the fintechs and operators involved in the payment.

“ChamsSwitch is a regulatory partner that allows us to do a lot of cross settlements,” he said. “If Chicken Republic is collecting tap-to-pay, a lot of that money needs to be moving in the background, such as T+1 settlements and end-of-day settlements. ChamsSwitch is heavily involved in that.”

CashAfrica said it will introduce the service gradually before making mobile tap-to-pay available across all 350-plus Chicken Republic outlets. The company also plans to work with more banks and fintechs to expand the number of customers who can use the feature through their existing apps.

“Customer experience has always been at the heart of Chicken Republic, and we continuously look for ways to make every meal faster, easier and more convenient,” Solomon Ojelade, head of finance at Chicken Republic, said in the statement. “Our partnership with CashAfrica brings that commitment into the payment experience, giving our customers access to a fast and seamless Mobile Tap to Pay option across our outlets.”

At Chicken Republic, customers will not pay a separate fee to use mobile tap-to-pay, Asamu told TechCabal. Instead, the merchant pays CashAfrica for transactions processed through its infrastructure. The company said it charges a percentage of each transaction, typically between 0.1% and 1.5%, depending on the arrangement.

CashAfrica is looking to capitalise on Nigeria’s growing use of electronic payments. In 2024, electronic transactions processed through the Nigeria Inter-Bank Settlement System’s instant payment system surpassed ₦1 quadrillion ($803 billion). The company intends to turn that growth into the adoption of a newer payment method.

Asamu said the company has signed other partnerships with businesses where customers regularly make in-person payments, including quick-service restaurants and supermarkets, and will announce them in the coming months.

“The change in the average Nigerian customer consumption pattern in financial technology has allowed us to see wind in the sails of contactless payments,” he said. “We make the bet and continue to bet on contactless payments.”

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CrissCross, the South Africa-headquartered cross-border payments infrastructure company, has secured an undisclosed investment from Circle Ventures, the corporate venture arm of Circle Internet Group, the company that issues USD Coin (USDC), a digital stablecoin.

The investment, made through Stitch Group, CrissCross’s parent company, will help the company expand its local payment connections and liquidity, build more stablecoin settlement capabilities for enterprise customers, and grow the team supporting clients across the continent.

Stablecoins are increasingly being used to move money across borders, making them a growing part of Africa’s payments infrastructure. Circle’s investment marks its second notable bet on the sector in 2026. In July, it invested in Nigerian fintech Flutterwave as the company expanded USDC settlement across its payments platform, allowing businesses to collect payments locally and settle in USDC. s.

“Africa’s cross-border payments market is massive, complex, and underserved,” James Cope, general manager at CrissCross, said in a statement. “Circle Ventures’ investment validates what we’ve been building: infrastructure that can handle that complexity at scale.”

Lex Campbell and Byron Coetsee founded CrissCross to make cross-border payments more efficient for enterprise businesses operating in African markets. The company was acquired early by Stitch and now sits within Stitch Group, the South Africa-based payments group. CrissCross provides businesses with a single application programming interface (API) to collect money, make payouts, manage funds and exchange currencies across African markets.

For collections, CrissCross lets customers pay merchants using familiar local methods such as bank transfers, mobile money and cards. For payouts, businesses can send individual or bulk payments directly to local bank accounts and mobile wallets. Its treasury tools let companies manage funds across multiple currencies, while its foreign exchange infrastructure lets them convert between local currencies, US dollars, and euros.

CrissCross connects blockchain-based settlement to local fiat payment networks. A business can move value between markets using stablecoins, while the recipient can receive local currency in a bank account. The company says it chooses between stablecoin and fiat rails based on a client’s requirements. It makes money from the payments and currency conversions it processes for clients, and says its pricing varies depending on the markets, payment methods, and services each customer uses.

“Stablecoins help funds move between markets quickly and transparently, and the money is delivered in local currency to the recipient’s bank account or mobile wallet,” the company said in a statement shared with TechCabal. “We use stablecoin or fiat rails depending on what each client needs for speed, cost and compliance.”

CrissCross is trying to close the gap between global stablecoin liquidity and local payment infrastructure. In October, CrissCross partnered with Velocity, a stablecoin payments and treasury platform, to connect institutional on-chain liquidity with local collections, payouts and FX. The partnership aimed to connect global stablecoin liquidity to local bank accounts and payment rails.

Sub-Saharan Africa received more than $205 billion in on-chain crypto value between July 2024 and June 2025, up 52% from the previous year. As crypto activity grows, so does demand for infrastructure that connects digital assets to local payment systems and enables cross-border payments.

“We’re excited to support CrissCross as they bring stablecoin-powered payments infrastructure to scale across African markets — some of the most complex and underserved corridors in the world,” said Brian Schultz, vice president of corporate development and ventures at Circle.

CrissCross says it currently operates across more than 30 markets spanning West, Central, East, Southern and North Africa, including both CFA franc zones, and supports more than 20 currencies. Its customers include multinational enterprises, financial institutions and platforms that need to move money across complex African payment corridors. The company wants to become the infrastructure that lets global businesses treat Africa as one connected market rather than a collection of separate payment systems.

“We want global businesses to find it as easy to collect and pay out across African markets as anywhere else they operate,” it said. “A company operating in Nigeria, Senegal or Kenya should be able to do it through the same infrastructure, with predictable settlement and full visibility over its funds. More enterprises are building their growth plans around African markets, and we want CrissCross to be the payments infrastructure they use to do it.”

Stablecoins are becoming the layer underneath payments for African payments companies. In June, Flutterwave announced an investment from Ripple as part of its Series E and said it would integrate RLUSD, Ripple Payments, and the XRP Ledger into its payment infrastructure. It has also partnered with Polygon and Tempo to build out stablecoin settlement infrastructure.

Onafriq, which operates across more than 40 African countries, has taken a similar route. In February, it partnered with Conduit to use stablecoins such as USDC to fund accounts and rebalance treasury holdings, and announced another partnership in July with digital-asset infrastructure provider Privy to develop regulated stablecoin-powered payment services for financial institutions.

Yellow Card has shifted its focus towards businesses, providing stablecoin payment infrastructure, fiat settlement rails, custody, and local stablecoin issuance. Once associated with crypto trading, dollar-backed stablecoins are now being positioned as a way for businesses to settle transactions and move money across borders.