ARTICLE
30 July 2026

Kenya, Cameroon And South Africa Reshape Smartphone-enabled Payments

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Adams & Adams

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Adams & AdamsĀ is an internationally recognised and leading African law firm that specialises in providing intellectual property and commercial services.
Africa's digital economy gateway evolved rapidly in Q2 2026 as smartphone taxation, device compliance enforcement, and contactless payment expansion converged across multiple markets. From Kenya's proposed handset excise duties to Cameroon's device blocking measures, and from Apple's Tap to Pay launch in South Africa to widespread payment infrastructure rollouts, the quarter revealed how device access, mobile onboarding, and digital payments are reshaping consumer finance across the continent.
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The consumer gateway into Africa’s digital economy became more dynamic during Q2 as device access, mobile onboarding and contactless payments converged. Kenya’s Finance Bill 2026 targeted smartphones through a proposed excise duty, raising affordability concerns for digital inclusion and handset distribution, while Cameroon blocked undeclared mobile devices, underscoring growing customs and compliance scrutiny. In South Africa, Apple launched Tap to Pay on iPhone, while Capitec prepared to launch an eSIM-enabled mobile network offering, reinforcing the role of smartphones in financial and telecoms services. Payment modernisation also advanced across markets, with Peach Payments rolling out Apple Pay in Mauritius; CashAfrica and ChamsSwitch expanding tap-to-pay infrastructure in Nigeria; Mastercard and Letshego launching a debit card in Mozambique; and Mastercard deepening its digital banking partnership with Egypt’s CIB. Together, these developments showed how smartphone ecosystems increasingly connect taxation, device compliance, payments and consumer experience, favouring businesses able to combine compliant device distribution, secure onboarding and trusted payment experiences.

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