What is the best Cadanapay alternative for paying contractors across Africa?

For a broad Africa-focused infrastructure approach, compare Crisscross and dLocal, both positioned as one API for local methods and payouts across multiple African markets. If FX and settlement are central to your flow, AZA Finance also focuses on cross-border FX, payments, and settlement for Africa.

What can I use instead of Cadanapay in Nigeria?

In Nigeria, PaidHR is a strong option if you want payroll workflows and compliance features, not only payouts. If you are focused on cross-border business payments and FX, Verto is also available in Nigeria.

Which Cadanapay competitor works in Ghana as well as other African markets?

If Ghana is a must-have and you want room to expand, AZA Finance lists Ghana among its available markets alongside Nigeria, Kenya, South Africa, and Uganda. For a more region-wide infrastructure layer, dLocal is positioned as pan-African for local methods and payouts.

Which apps are like Cadanapay if I only need an API for payouts and FX, not full HR workflows?

For an API-first stack combining collections, FX, and payouts, start with Crisscross which is explicitly described as “one API for collections, FX, and payouts across African markets”. Verto is another option if you want cross-border payments and FX with multi-currency accounts and embedded APIs.

Do any Cadanapay alternatives support crypto payroll?

Yes, CodeLnPay explicitly supports paying across borders in local currency or crypto, alongside bank, card, and mobile money methods. That makes it a practical substitute if crypto is a required rail for part of your contractor base.

Is Cadanapay available outside Nigeria and Ghana?

Cadanapay is stated to operate in Nigeria and Ghana, so if you need wider coverage you will likely end up comparing pan-African providers like dLocal or Crisscross. If your expansion includes Kenya, CodeLnPay and AZA Finance both list Kenya among their available countries.

How do I switch from Cadanapay to another provider without breaking payroll cycles?

Start by running a parallel pilot with Crisscross or Verto for one payout corridor, then expand once reconciliation and payout status tracking match what you get today. If your switch is really about moving to full payroll operations, migrate employee records and pay schedules into PaidHR before turning off Cadanapay payouts.

172 Best Cadana Alternatives & Competitors (2026)

The strongest Cadanapay alternatives for embedded contractor payouts and payroll in 2026 are CodeLnPay, Crisscross, dLocal, Verto, and AZA Finance. The right pick depends on where you pay people, whether you need a payout-only API or full payroll workflows, and how much FX control you want.