Top 40 African Alternatives to Stripe (2026)

Looking for the African Stripe? Paystack, Flutterwave, dLocal, Pesapal, and DPO Pay lead the list of African-built alternatives to Stripe, ranked by product authority with review volume as the tie-breaker.

Stripe is a payments platform from the United States that businesses use to accept online and in-person payments, then manage billing, subscriptions, and payouts in one place.

If you are searching for an “African Stripe” or the “Stripe of Africa”, you are usually trying to match how people actually pay on the continent. That often means support for local bank transfers and mobile money, reliable settlement and reconciliation for local entities, pay-in and pay-out in local currencies, and checkout options that work across web, mobile, and in-store POS. None of this makes Stripe a poor choice; it means the market now has local Payment Gateway specialists worth comparing.

What to Compare Before Switching From Stripe

• Country coverage that matches your customers: Check where the provider is live, for example Paystack supports Nigeria, Kenya, South Africa, Ghana, and Côte d'Ivoire, while Stitch is focused on South Africa.
• Local payment rails: Prioritise gateways that natively support bank transfer, mobile money, and USSD where relevant; Flutterwave supports cards, bank transfers, mobile money, and USSD.
• Payouts and settlement flows: If you need to pay sellers, contractors, or partners, look for built-in payouts, dLocal focuses on collect and pay out using local methods and currencies across emerging markets.
• Multi-currency and cross-border needs: For international pricing and collections, compare Multi-currency capabilities, DPO Pay supports multiple currencies and both card and mobile money payments across several African countries.
• Payment links and no-code options: If you sell on social or via invoices, Payment Links matter, Peach Payments includes payment links alongside online and in-store payments.
• In-person and POS support: If you collect money at a counter or field location, compare POS and NFC options, Pesapal supports M-Pesa, card, and NFC payments across channels.
• Developer and enterprise API depth: For complex integrations and higher volumes, evaluate API scope and control; Cellulant positions itself as a payments API to collect online and offline payments via one API across multiple markets.
• Regional networks and language coverage: If you operate in Francophone markets, check local method availability; CinetPay supports online payments across nine Francophone African countries with one API.

Compare Stripe alternatives by where you operate

• For Kenya: Paystack is available in Kenya and supports card, bank transfer, mobile money, and USSD, Pesapal is also available and supports M-Pesa plus POS and online checkout.
• For South Africa: Payfast focuses on South Africa and supports 18+ payment methods, Stitch is also South Africa-only and offers Pay by bank, cards, debit orders, and payouts.
• For Ghana: Paystack is available in Ghana, DPO Pay also supports Ghana with card and mobile money payments.
• For Tanzania and Uganda: Flutterwave is available in both countries and supports cards, bank transfers, mobile money, and USSD, Cellulant also covers both markets via its payments API.

Browse the directory below for more apps like Stripe, filter by Payment Gateway, B2B, Payment Links, Multi-currency, or POS, then shortlist options that support your target countries such as Kenya or South Africa.