--- title: "African alternatives to Paytm" description: "An Indian digital payments app for UPI transfers, bill payments, merchant payments and financial services." canonical_url: "https://liners.com/african-alternatives/paytm" markdown_url: "https://liners.com/african-alternatives/paytm.md" type: "african-alternatives" language: "en" updated_at: "2026-10-20T19:27:34.218Z" --- # African alternatives to Paytm An Indian digital payments app for UPI transfers, bill payments, merchant payments and financial services. ## Breadcrumbs - [Alternatives](/alternatives) - [Paytm](/african-alternatives/paytm) ## Summary An Indian digital payments app for UPI transfers, bill payments, merchant payments and financial services. ## About these alternatives Paytm is an Indian digital payments app centred on UPI transfers, bill payments, merchant payments, and related financial services, built for everyday use in India. If you search for an “African Paytm” or “Paytm of Africa”, what you usually need is not the same brand, it is the same daily-money habits but adapted to local rails and realities: [Mobile Money](/tags/mobile-money) usage, cash-in and cash-out via an [Agent Network](/tags/agent-network), local [Bill Payments](/tags/bill-payments) catalogues, and support that works in-market. Country availability also matters, especially across [Egypt](/countries/egypt), [Nigeria](/countries/nigeria), [Morocco](/countries/morocco), and [Ethiopia](/countries/ethiopia). None of this makes Paytm a poor choice; it means the market now has local specialists worth comparing. ## What to Compare Before Switching From Paytm - **Country availability and compliance fit**: start by checking the wallet is actually available where you live, for example [Kacha](/kacha) is focused on Ethiopia, while [9PSB](/9psb) is for Nigeria. - **Bill payment coverage you recognise**: your alternative should support the bill types you pay most often; [Fawry](/fawry) and [Flash](/flash) both position strongly around bill payments in Egypt. - **Cash-in and cash-out options**: if you still use cash, prioritise services with an agent channel; [9PSB](/9psb) includes agent cash-in and cash-out, and [Kenz'up](/kenz-up) supports cash in or out via its network. - **How you pay at merchants**: look for the acceptance method that matches your routine, from POS and in-store payments to scan-to-pay; [Flash](/flash) supports scan-to-pay at partner merchants. - **Airtime and data top-ups**: if you top up frequently, verify airtime and data flows are built in, for example [9PSB](/9psb) supports airtime and data. - **Personal wallet vs business collections**: some products serve both sides, but the details differ; [9PSB](/9psb) supports business collections, while [Fawry](/fawry) supports consumers and businesses for payments. - **Rewards and loyalty mechanics**: if cashback matters, compare the merchant rewards angle; [Kenz'up](/kenz-up) includes loyalty points and cashback at 100+ partner brands. ## Compare African Paytm Alternatives by Country Need - **In [Egypt](/countries/egypt)**: [Fawry](/fawry) is built around paying bills, buying airtime, and accepting online and in-store payments, while [Flash](/flash) focuses on bill payments and card-based scan-to-pay, with payments processed by Banque Misr. - **In [Nigeria](/countries/nigeria)**: [9PSB](/9psb) is a payment service bank offering mobile app and USSD banking, transfers, bill payments, and an agent network for cash services. - **In [Morocco](/countries/morocco)**: [Kenz'up](/kenz-up) is a free mobile wallet for paying, transferring, cashing in or out, with built-in cashback and loyalty at partner brands. - **In [Ethiopia](/countries/ethiopia)**: [Kacha](/kacha) is a licensed mobile money platform supporting a digital wallet, payments, and remittances for individuals and businesses. Scroll to the directory below to compare apps like Paytm across [B2C](/tags/b2c) wallets, [Bill Payments](/tags/bill-payments) platforms, [B2B](/tags/b2b) collections, and [Agent Network](/tags/agent-network) cash services, filtered by countries such as [Egypt](/countries/egypt), [Nigeria](/countries/nigeria), [Morocco](/countries/morocco), [Ethiopia](/countries/ethiopia), and [Senegal](/countries/senegal). ## African alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Wave | /wave | Deposit, pay bills, and send money at low cost | Senegal | | | myt money | /myt-money | Pay bills, transfer money, and scan QR codes in one app | Mauritius | | | Fawry | /fawry | Pay bills, top up airtime, and accept payments in Egypt | Egypt | | | 9PSB | /9psb | Digital banking, payments, and agent cash services in Nigeria | Nigeria | | | MVola | /mvola | Mobile money for everyday payments, transfers, and savings | Madagascar | | | SmartCash PSB | /smartcash-psb | Send money, buy airtime, and manage everyday payments | Nigeria | 4.5 | | Flash | /flash | Pay bills and purchases by card with scan-to-pay | Egypt | | | Parkway | /parkway | Payments, bills, cards, and invoicing for Nigeria | Nigeria | | | Moov Money | /moov-money | Send money, pay bills, and buy airtime by phone | Togo | | | PayXpress | /payxpress | Accept, collect, and disburse payments across channels | Nigeria | 4 | | MoneyMaster PSB | /moneymaster-psb | Digital banking for wallets, payments, merchants, and agents | Nigeria | | | Kenz'up | /kenz-up | Pay, send money, and earn cashback at Moroccan merchants | Morocco | | | Kacha | /kacha | Mobile money, payments, and remittances for Ethiopia | Ethiopia | | | Hope PSBank | /hope-psbank | Digital banking, transfers, and bill payments by phone number | Nigeria | 5 | | Coris Money | /coris-money | Mobile wallet for transfers, bills, and everyday payments | Burkina Faso | | | Bravo | /bravo | Pay bills, top up airtime, and shop cashless in Sudan | Sudan | | | NITA Money Transfer | /nita-money-transfer | Send money and pay everyday bills from a mobile wallet | Niger | | | ORA Cash | /ora-cash | Pay by QR, chat, and send money in one app | Morocco | | | TandaPay | /tandapay | Accept and make payments across mobile money networks | Kenya | | ## Related pages - [All alternative guides](/alternatives) ## Access and citation - [Canonical HTML page](https://liners.com/african-alternatives/paytm) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)