What is the best M-PESA Africa alternative for everyday mobile money transfers?

For a straightforward mobile money wallet experience, Momo is one of the closest matches, it is designed for consumers to send and receive money and pay bills across African markets. If you also want bill-specific rails like electricity and TV subscriptions, Prime Biller is built around those categories.

What can I use instead of M-PESA Africa in Ghana?

In Ghana, start with Zeepay, it is Ghana-based and supports domestic transfers plus bill and merchant payments, with a focus on remittances and moving money between wallets, banks, and cards. If you want a wallet that is also available in Ghana and Nigeria, Speso is listed for both countries.

What is a good alternative to M-PESA Africa in Kenya for bill payments?

If you are in Kenya and want a Kenya-first option, Tusenti is a Kenya-focused wallet that connects transaction charges to instalment-style payments for bills and purchases. For businesses paying supplier bills with controls, Pesha is built for approvals, expense tracking, and reporting in Kenya.

Which M-PESA Africa competitor is best for businesses that need approvals and reporting?

For business bill payments with internal controls, Pesha is the strongest fit in this shortlist because it is an expense management product that supports approvals, real-time tracking, and reports. If your priority is bill settlement infrastructure that can serve agents and businesses across markets, Prime Biller is another option to compare.

Do any apps like M-PESA Africa support USSD or API-based integrations?

Yes, Kyanda Africa lists both USSD and APIs, and is positioned for payments, transfers, and utility settlement. That makes it a practical option when you need channels beyond a smartphone app.

Which M-PESA Africa alternative is most focused on bill payments like electricity and TV subscriptions?

Prime Biller is explicitly built around airtime, data, electricity bills, and TV subscriptions, and it runs via web and Android. If you want bill payments inside a broader consumer wallet, Momo also includes bill payment use cases alongside transfers.

I rely on agents to cash in and cash out, what alternatives should I compare?

If agent access is a deal-breaker, compare options tagged for an agent network such as Coris Money and Moov Africa. Coris Money is a mobile wallet service from Coris Bank International in Burkina Faso, while Moov Africa includes Moov Money as part of a telecom-led offering.

67 Best M-PESA Africa Alternatives & Competitors (2026)

The right M-PESA Africa alternatives depend on your country and what you need most, a wallet for everyday transfers, bill settlement, or an agent network you can cash out from. Strong options to compare in 2026 include Momo, Prime Biller, Kyanda Africa, Tusenti, and Speso.