---
title: "158 Best Payment Apps in South Africa (2026)"
description: "Compare 158 of the best Fintech products available in South Africa."
canonical_url: "https://liners.com/best/fintech/south-africa?page=3"
markdown_url: "https://liners.com/best/fintech/south-africa.md?page=3"
type: "best"
language: "en"
updated_at: "2026-10-06T18:08:07.939Z"
---

# 158 Best Payment Apps in South Africa (2026)

Compare 158 of the best Fintech products available in South Africa.

## Breadcrumbs

- [Best products](/best)
- [Fintech](/categories/fintech)
- [South Africa](/best/fintech/south-africa)

## Summary

Compare 158 of the best Fintech products available in South Africa.

## About this ranking

South Africa is one of Africa’s most mature fintech hubs, combining strong financial infrastructure with a fast-moving startup scene. This directory highlights 158 fintech products available in [South Africa](/countries/south-africa), spanning everyday money movement, digital finance, and developer-first tooling designed for local and regional scale.

What makes the space especially compelling is the mix of enterprise-grade platforms and consumer-facing apps built for real-world constraints. Expect solutions focused on instant transfers and [Payment Processing](/tags/payment-gateway), compliance-aware onboarding, and modern rails for [B2B](/tags/b2b) collections and payouts. A growing share also supports [Multi-currency](/tags/multi-currency) accounts and [Cross-Border Payments](/tags/cross-border-payments), reflecting how businesses and individuals transact across borders.

Use this page to compare options by features, target customer, and integration approach. If you are building software, prioritize platforms with clear documentation and robust API capabilities, plus support for local payment methods. Browse the list, open product profiles, and shortlist the tools that match your use case, whether you need checkout, payouts, reconciliation, or cross-border settlement.

## Products

| Name | URL | Tagline | Country | Rating |
| --- | --- | --- | --- | --- |
| Wonga | /wonga | Apply online for short-term loans paid into your bank | South Africa |  |
| Bank Zero | /bank-zero | App-only banking with zero-fee accounts and fraud control | South Africa |  |
| Payfast | /payfast | Accept online and in-store payments across South Africa | South Africa |  |
| Onafriq | /onafriq | Interoperable payments across Africa via one integration | South Africa |  |
| Feenix | /feenix | Crowdfund university fees for South African students | South Africa |  |
| Nomanini | /nomanini | Connect banks and FMCGs to informal retailers in cash markets | South Africa |  |
| Netcash | /netcash | All-in-one business payments and cash flow management | South Africa |  |
| Ozow | /ozow | Ozow accept instant bank-to-bank payments without cards | South Africa |  |
| GoTyme for Business | /gotyme-for-business | Fast working capital, Shari’ah finance, payments, and founder support | South Africa |  |
| Happy Pay | /happy-pay | Split purchases over two paycheques with no deposit | South Africa |  |
| Kora | /kora | One integration for pay-ins, payouts, and settlements across Africa | Nigeria |  |
| Fincra | /fincra | Collect payments and send payouts across borders with one API | Nigeria | 5 |
| Klasha | /klasha | Accept and send cross-border payments in local currencies | Nigeria | 5 |
| Altify | /altify | Access private credit, crypto, gold, and tokenised stocks | South Africa |  |
| SMEasy | /smeasy | Business accounting and admin for non-accountants | South Africa |  |
| Kyshi | /kyshi | Collect African local payments and settle globally | South Africa |  |
| Sybrin | /sybrin | Automate payments, onboarding, and compliance in regulated sectors | South Africa |  |
| EFT Corporation | /eft-corporation | Payment infrastructure for modern banking and card programs | South Africa |  |
| MortgageMarket | /mortgagemarket | Compare multiple home loan offers with one online application | South Africa |  |

## Related pages

- [South Africa](/countries/south-africa)
- [Fintech](/categories/fintech)

## Access and citation

- [Canonical HTML page](https://liners.com/best/fintech/south-africa?page=3)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)