© 2026
AFS HOLDINGS SARL
Find a way. Make a way... Do not create an excuse.
About Us
We are building the payment infrastructure that African businesses deserve.
Simple, modern and built for the way commerce actually works here.
Mission
Every business — from street vendors to enterprise chains — should be able to accept any payment their customers want to make. No expensive hardware. No complex integration. Just download an app and start getting paid.
Vision
We’re building the infrastructure layer that powers commerce across Central Africa. A single platform that connects mobile money, cards, and bank transfers — invisible to the merchant, seamless to the customer.
Our Values
💳
We don't wait for permission. We find a way, make a way and never create an excuse.
🎯
Every decisions starts with: does this make it easier for merchants to get paid?
🔧
We build for how Africa actually works. Intermittent connectivity. Features phone. Cash culture. We meet merchants where they are.
This isn't just a tagline. It's how we operate. The African payment landscape is complex - but complexity is not an excuse. We bulldoze through obstacles.
BulldozerPay is operated by AFS HOLDINGS SARL, a Cameroonian company registered in Douala. We're not Silicon Valley trying to "solve Africa." We're Africans building the infrastructure our continent needs.
Our team combines deep local knowledge with global technical expertise. We understand BEAC regulations, mobile money dynamics, and the realities of doing business in CEMAC - because we live it.
Start accepting payments or partner with us to transform African commerce