2 Best ePass Alternatives & Competitors (2026)

The closest alternatives to ePass are Payment24 and iPay Africa. They are ranked by product similarity, shared features, and market fit, with product authority and review volume used only to break score ties. 2 products qualify for this list.

The most relevant ePass alternatives to compare in 2026 are Fyatu, Bridgecard, Anchor, Onafriq, and Bitsika. The right pick depends on whether you are replacing ePass for Zambia-only road payments, or you mainly need cards, APIs, and cross-border payment rails.

ePass is a Zambia-focused road payments and vehicle management platform that lets motorists and fleet operators pay road tolls and fuel electronically under one prepaid account. It sits within the Dot Com Zambia family; its first eToll was processed on March 1, 2017, and it expanded to include fuel payments and roadside assistance from July 1, 2021. As of 31/07/2022, ePass reported 2,000+ individual app users, 20,000+ vehicles managed, 300+ corporate fleet accounts, and 4M+ transactions processed.

People look for apps like ePass when they need coverage beyond Zambia, want virtual card options instead of physical cards and POS swipe flows, or prefer a platform that is built for card issuing, mobile money interoperability, or cross-border payouts rather than toll and fuel tracking. Some users also want developer-friendly APIs to plug payments and cards into an existing fleet or ERP system, instead of managing spend through a single prepaid wallet. None of this makes ePass a poor choice; it means the market now has specialists worth comparing.

What to Compare When Choosing a ePass Alternative

• Country coverage: ePass is Zambia-only, so confirm the alternative supports your market and rails before you switch.
• Physical vs virtual cards: check if you need physical cards for field use, or virtual cards for online spend and tighter controls.
• Mobile money support: if top-ups and payouts need to land in wallets, prioritise providers that connect to mobile money networks.
• Cross-border transfers and FX: if you pay suppliers or staff outside Zambia, compare cross-border capability and multi-currency support.
• B2B2C and programme management: for fleets, look for sub-accounts, limits, and card controls that map to vehicles, drivers, or cost centres.
• API depth and sandbox: if you are integrating into software, choose a provider with clear APIs and sandbox testing.
• Reporting and reconciliation: confirm you can export transactions and reconcile card spend, transfers, and funding events without manual work.

Compare by what you are replacing ePass for

• If you need card issuing (virtual and physical): Bridgecard focuses on issuing Mastercard or Visa cards via APIs, and Fyatu also supports Visa and Mastercard card issuance.
• If you need mobile money interoperability across Africa: Onafriq is built for interoperable payments across mobile money and bank networks via one integration.
• If you are building a custom wallet or fleet spend product: Anchor is API infrastructure for accounts, transfers, cards, and lending products, with sandbox testing.
• If you want crypto-funded card spend: Bitsika offers crypto-funded virtual Visa cards with Bitcoin and USDT top-ups.

Use the Liners directory below to find ePass competitors in Fintech and filter by Zambia, then narrow results by tags like Virtual Cards, B2B2C, Physical Cards, Cross-Border Payments, and Mobile Money to compare similar apps side by side before choosing what to use instead of ePass.