Question 1

What is the best 54pay alternative for mobile money across Africa?

Accepted Answer

PawaPay is one of the clearest 54pay alternatives if your main need is mobile money, because it is described as a mobile money aggregator offering collections and payouts across 19 African markets via one API. If your focus is Francophone Africa interoperability, HUB2 is positioned specifically around routing mobile money across operators in that region.

Question 2

What can I use instead of 54pay in Kenya?

Accepted Answer

In Kenya, IntaSend is a strong option for online payments and payouts via mobile money and bank channels. Fingo Pay is another Kenya option and is described as CBK-licensed, which may matter if you need a provider with a clearly stated local regulator tie-in.

Question 3

Which 54pay competitor is a better fit if I need multi-currency and FX control?

Accepted Answer

If multi-currency is the deciding factor, Localpayment and Capera are closer fits because both are described as multi-currency cross-border platforms. Capera also states coverage for sending to 60+ countries and receiving funds in 10+ currencies, which can matter if your treasury spans Africa and non-African markets.

Question 4

Is there a 54pay alternative focused on West Africa, including Francophone countries?

Accepted Answer

Yes, PayDunya is positioned for West Africa and lists availability in Senegal, Benin, Burkina Faso, Côte d’Ivoire, Mali, and Togo. If you are integrating mobile money rails for Francophone Africa at an infrastructure layer, HUB2 is another competitor to evaluate.

Question 5

What apps are like 54pay for bulk payouts to suppliers or contractors?

Accepted Answer

For bulk payout workflows, PawaPay is described with bulk payments and supports pay-outs across 19 African markets via one API. Localpayment also positions itself around pay-ins, payouts, and treasury for emerging markets, which can suit recurring supplier disbursements.

Question 6

Which 54pay alternative works if I want to sell in Africa without local incorporation?

Accepted Answer

Startbutton is the closest match for that requirement because it is described as a Merchant of Record platform that supports expansion in Africa without local incorporation. It also mentions handling local payments and tax compliance, which is a different model from a standard payment gateway integration.

Question 7

How do I switch from 54pay to another provider without breaking my checkout?

Accepted Answer

The safest path is to run a parallel integration first, typically with a provider like Localpayment or IntaSend, then route a small percentage of traffic while you validate webhooks, refunds, and settlement behaviour. Once reconciliation matches across both systems, migrate by country or payment method to reduce risk during cutover.

Top 163 Best 54pay Alternatives & Competitors (2026)

Alternatives to 54pay

IntaSend

PawaPay

Startbutton

Capera

Localpayment

Fingo Pay

Klasha

PayDunya

Xente

HUB2

Pilot Finance

Fincra

TurnStay

Whoosh

Konnadex

Precium

Cauridor

Bani

Graph

Paymee

AZA Finance

CrissCross

Payfast

Kora

Frequently Asked Questions

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