Top 15 African Alternatives to Alipay (2026)

In Mali, Moov Money is a direct Alipay alternative to consider because it is available there. It supports transfers, bill payments, cash withdrawal, and airtime purchase, with access via USSD and app.

People searching for an African Alipay, or the “Alipay of Africa”, are often trying to pay in local currency, top up and cash out easily, and rely on payment methods that dominate day to day life in African markets. That usually means Mobile Money rails, in-app Bill Payments, consumer-first flows (B2C), and, for merchants, straightforward collections and payouts (B2B). Availability also matters, a wallet that works in Mali or Benin may not be usable in Côte d'Ivoire, and local support is often as important as features.

What to Compare Before Switching From Alipay

• Where it actually works: start with country coverage and on-the-ground usability, for West Africa coverage across multiple markets, Moov Money is available in Mali, Benin, Burkina Faso, Côte d'Ivoire, Niger and more.
• Cash in, cash out options: check if you can deposit or withdraw cash easily, MVola supports cash deposit and withdrawal in Madagascar.
• Bill payments you can complete end to end: confirm the app lets you pay the bills you regularly have, myt money is built for paying bills in Mauritius and Rodrigues.
• Everyday transfers: look for simple send and receive flows, plus clear confirmation and history, MoneyMaster PSB includes wallet accounts and transfers in Nigeria.
• Merchant acceptance and QR or checkout options: if you pay in person a lot, prioritise local merchant tooling, myt money supports MauCAS QR payments.
• Savings or balance management: if you keep value in-app, check what savings or balance tools exist, MVola includes savings and advances, while MoneyMaster PSB includes savings features.
• Rewards at places you already shop: if loyalty matters to you, Kenz'up includes loyalty points and cashback at 100+ partner brands in Morocco.

Compare African Alipay Alternatives by Country and Use Case

• If you are in Mauritius and want QR payments and bill pay: myt money targets consumers and merchants in Mauritius and Rodrigues, including MauCAS QR payments and local bank transfers.
• If you are in Madagascar and need mobile money plus cash in or out: MVola supports sending and receiving money, paying merchants and bills, and depositing or withdrawing cash in Madagascar.
• If you need one wallet across parts of Francophone West Africa: Moov Money spans markets including Niger, Mali, Benin, Burkina Faso and Côte d'Ivoire, with USSD and app access.
• If you are in Nigeria and want a PSB-style wallet plus agent banking: MoneyMaster PSB offers wallet accounts, bill payments, merchant collections, and agent banking in Nigeria.
• If you are in Morocco and care about rewards at checkout: Kenz'up combines wallet payments and transfers with cashback and loyalty at Moroccan merchants.

Scroll to the directory below to compare apps like Alipay by Bill Payments, Mobile Money, Savings, and by where you live or operate, including markets such as Mali and Côte d'Ivoire, to find what fits instead of Alipay.