Scale and Mastercard Launch One-Integration Card Issuing Model for Africa

For many African fintechs, launching a card product means navigating a maze of banks, regulators, and processors. Scale was founded in 2022 by Miranda Naidoo and Barbara Woollams to handle that invisible infrastructure, letting businesses focus on customers and growth. Today, Scale has teamed up with Mastercard to roll out a one-integration model in Senegal, Ivory Coast, Kenya, Zambia, and Zimbabwe. This platform combines issuing banks, payment networks, processors, and compliance into a single integration. In Kenya’s mature mobile money market, startups can now launch prepaid, expense, and merchant cards more quickly. In other markets, cards can reach farmers, small businesses, and non-profits for the first time. Investors have taken note: Scale raised fresh funding in 2024 as experts predict Africa’s financial services could generate over $230 billion in revenue by 2025. The next twelve months will reveal if this partnership can navigate diverse regulations and build trust. Success could unlock faster, more inclusive access to Africa’s digital economy.

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