--- title: "9PSB alternatives" description: "Compare 92 published alternatives to 9PSB." canonical_url: "https://liners.com/9psb/alternatives?page=2" markdown_url: "https://liners.com/9psb/alternatives.md?page=2" type: "product-alternatives" language: "en" updated_at: "2026-10-06T16:03:00.324Z" --- # 9PSB alternatives Compare 92 published alternatives to 9PSB. ## Breadcrumbs - [9PSB](/9psb) - [Alternatives](/9psb/alternatives) ## Summary Compare 92 published alternatives to 9PSB. ## About these alternatives The most practical 9PSB alternatives in 2026 are [Fazipay](https://liners.com/fazipay), [Hope PSBank](https://liners.com/hope-psbank), [ReadyCash](https://liners.com/readycash), [Ipay Africa](https://liners.com/ipay-africa), and [3Line](https://liners.com/3line). The right pick depends on whether you need USSD and agent cash-in/cash-out, everyday bill payments, or business collections and payment infrastructure. 9 Payment Service Bank (9PSB) is a Nigerian payment service bank founded in 2020 and licensed by the Central Bank of Nigeria (CBN) to provide digital banking and payments in Nigeria. People usually compare 9PSB competitors because 9PSB is Nigeria-only, so it is a non-starter if you need multi-country coverage, and because not every PSB-style app fits the same job. Some people want heavier agent-network support and POS cash services, others want a consumer wallet that is quick for bill payments, and businesses often want clearer collections, payout, and gateway options than a single bank-centric platform provides. None of this makes 9PSB a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a 9PSB Alternative - **CBN regulation and licence type**: confirm the provider is regulated in Nigeria, and note if it is positioned as a PSB, microfinance bank, or payments processor. - **USSD and offline capability**: if you rely on feature phones or poor data coverage, prioritise options with USSD and reliable session completion. - **Agent network strength**: check cash-in/cash-out availability in your area, agent uptime, and dispute handling for failed withdrawals. - **Bill-payment coverage**: compare which utilities and billers are supported, plus payment confirmation speed and reversals. - **POS and merchant tooling**: if you sell in-store, verify POS availability, settlement timelines, and whether it supports merchant collections. - **Business collections and payouts**: for SMEs and fintechs, look for virtual accounts, beneficiary payouts, and bulk disbursements where needed. - **Multi-country availability**: if you operate outside Nigeria, shortlist providers that explicitly support other African markets. To speed up your decision, use Liners to filter and compare 9PSB similar apps by licence positioning, USSD support, [POS](/tags/pos), and [Agent Network](/tags/agent-network) features. ## Compare 9PSB Alternatives by What You Need - **If you rely on agents and POS cash services in Nigeria**: [Fazipay](https://liners.com/fazipay), [ReadyCash](https://liners.com/readycash), and Baxi are built around agent workflows like cash withdrawals, cash-in/cash-out, and everyday bill payments. - **If you want a PSB-style digital banking substitute**: [Hope PSBank](https://liners.com/hope-psbank) and [Eyowo](https://liners.com/eyowo) are closer to the “banking app plus payments” experience, with Eyowo positioned as a CBN-regulated digital banking and payments platform. - **If you need payments across multiple African markets**: [Ipay Africa](https://liners.com/ipay-africa) operates in Kenya, Zambia, DR Congo, Nigeria, Rwanda, and Tanzania, while [PalmPay](https://liners.com/palmpay) spans Nigeria, Ghana, and Tanzania. - **If you are integrating payments (USSD, gateways, switching)**: [CoralPay](https://liners.com/coralpay), [Arca](https://liners.com/arca), and [3Line](https://liners.com/3line) are more infrastructure-oriented, covering areas like payment gateways, processing, and business-facing rails. The Liners directory below groups 9PSB alternatives and competitors under [Fintech](/categories/fintech) so you can find apps like 9PSB in [Nigeria](/countries/nigeria), filter by [Bill Payments](/tags/bill-payments) and Banking, then compare options you can use instead of 9PSB. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Hope PSBank | /hope-psbank | Digital banking, transfers, and bill payments by phone number | Nigeria | 5 | | Localpayment | /localpayment | One API for cross-border pay-ins, payouts, and FX | Nigeria | | | NjiaPay | /njiapay | Optimize checkout performance across multiple PSPs | South Africa | | | OPay Business | /opay-business | Accept POS payments with instant settlement to your account | Nigeria | 4.3 | | Paga Engine | /paga-engine | Embed multi-channel payments and recurring collections via APIs | Nigeria | | | PawaPay | /pawapay | Collect and pay out mobile money across Africa with one API | Kenya | | | Payaza | /payaza | Accept and manage online payments across currencies | Nigeria | 5 | | SaySwitch | /sayswitch | Accept payments and payouts across channels in one dashboard | Nigeria | | | Vesicash | /vesicash | One Merchant of Record API for African payments | Nigeria | 4 | | Zainpay | /zainpay | Accept card, transfer, wallet, and POS payments in Nigeria | Nigeria | 4 | | MONEI | /monei | Omnichannel payment processing with a developer-ready API | Nigeria | | | Accelerex | /accelerex | Deploy and support POS payments for Nigerian businesses | Nigeria | | | BridgePay | /bridgepay | Pay international websites and subscriptions with Naira | Nigeria | | | ERCAS | /ercas | Enterprise payment, VAS, and cloud infrastructure for Africa | Nigeria | | | KongaPay | /kongapay | Mobile wallet, payments, and POS tools for Nigeria | Nigeria | 5 | | Leatherback | /leatherback | Multi-currency accounts and cross-border transfers in one app | Nigeria | 4 | | Remita | /remita | One platform to pay bills, send money, and get paid | Nigeria | 5 | | Stitch | /stitch | Enterprise online payments through one South African API | South Africa | 3 | | Capisum | /capisum | Integrate once, route payments across multiple providers | Nigeria | | ## Related pages - [Product page](/9psb) - [Alternatives](/9psb/alternatives) - [Reviews](/9psb/reviews) - [Transparency](/9psb/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/9psb/alternatives?page=2) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)