--- title: "M-PESA alternatives" description: "Compare 30 published alternatives to M-PESA." canonical_url: "https://liners.com/m-pesa/alternatives?page=2" markdown_url: "https://liners.com/m-pesa/alternatives.md?page=2" type: "product-alternatives" language: "en" updated_at: "2026-10-01T08:52:43.560Z" --- # M-PESA alternatives Compare 30 published alternatives to M-PESA. ## Breadcrumbs - [M-PESA](/m-pesa) - [Alternatives](/m-pesa/alternatives) ## Summary Compare 30 published alternatives to M-PESA. ## About these alternatives The right **M-PESA alternatives** depend on where you live and what you need your wallet to do. If you are in Ghana, options like [Affinity](https://liners.com/affinity), [Telecel](https://liners.com/telecel), and [Fido](https://liners.com/fido) are built around local rails such as mobile money, bills, and credit. In Egypt, [Money Fellows](https://liners.com/money-fellows) and [Halan](https://liners.com/halan) are often closer matches for savings and lending use cases. [M-PESA](https://liners.com/m-pesa) is a mobile phone-based money transfer and payments service launched in 2007 by Vodafone and Safaricom, and it operates across multiple countries, including Kenya, Tanzania, Mozambique, DRC, Lesotho, Ghana, Egypt, Afghanistan, South Africa, and Ethiopia. It is commonly used for everyday transfers and merchant payments, with access through smartphone apps and, in supported markets, basic-phone channels such as USSD or SIM toolkit. People switch from M-PESA for practical reasons: they move to a country where M-PESA is not the dominant network, want a different mix of **mobile money**, **bill payments**, **savings**, or **loans**, or prefer an app that works well across both app and USSD. None of this makes M-PESA a poor choice, it just means the market has specialists worth comparing. ## What To Look Out For In A M-PESA Alternative - **Country and network availability**: confirm it works in your market and on your SIM or preferred rails, not just “pan-African” marketing. - **Cash-in and cash-out options**: check if you can use agents, bank transfers, or card top-ups, depending on how you fund your wallet. - **Billers and merchant acceptance**: look for the bill categories and merchant tooling you use most (utilities, airtime, school fees, QR or till-style payments). - **Savings and lending terms**: if you borrow or save, compare eligibility, limits, and repayment flows, not just the headline promise. - **USSD support**: if you use a basic phone or want a fallback, prioritise services that clearly support USSD. - **B2B2C or payouts**: for groups and organisations paying many people, check whether the provider supports bulk payouts or APIs. - **Fees by transaction type**: compare transfer, withdrawal, and bill payment charges since most wallets price per transaction. Use the Liners directory below to filter and compare options by mobile money support, bill payments, savings, and lending features before you switch. ## Compare by need - **If you are in Ghana**: [Affinity](https://liners.com/affinity), [Telecel](https://liners.com/telecel), and [Fido](https://liners.com/fido) are Ghana-available options, with Affinity positioned for personal banking plus mobile money, Telecel tied to Telecel Cash, and Fido focused on credit, savings, and bills. - **If you are in Egypt**: [Money Fellows](https://liners.com/money-fellows) and [Halan](https://liners.com/halan) are Egypt-first choices, with Money Fellows built around digitised savings circles and Halan combining wallet payments with lending and BNPL. - **If you are in Tanzania**: [CRDB Bank](https://liners.com/crdb-bank) is a regulated commercial bank option in Tanzania (and Burundi) that combines banking with mobile money support. - **If you are in Kenya**: [Kwara](https://liners.com/kwara) is a Kenya-based option for SACCO members, offering member banking via mobile app and USSD. The Liners directory below also surfaces apps like M-PESA across [Fintech](/categories/fintech) so you can compare [Lending and Loans](/tags/lending), [Mobile Money](/tags/mobile-money), [B2B2C](/tags/b2b2c), [Bill Payments](/tags/bill-payments), and [Savings](/tags/savings) options by country, including [Kenya](/countries/kenya), [Ghana](/countries/ghana), [Egypt](/countries/egypt), [Tanzania](/countries/tanzania), [DR Congo](/countries/dr-congo), [Lesotho](/countries/lesotho), and [Mozambique](/countries/mozambique). ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Smilepay | /smile-pay | Send money to Ethiopia instantly and pay bills from abroad | Ethiopia | | | Lipaworld | /lipaworld | Open a virtual USD account and send money across Africa | South Africa | | | G-Money Financial Services | /g-money-financial-services | A regulated mobile wallet for payments and transfers in Ghana | Ghana | | | MVola | /mvola | Mobile money for everyday payments, transfers, and savings | Madagascar | | | eShandi | /eshandi | Digital loans, wallets, and everyday payments for Africa | Zambia | | | Kegow | /kegow | Mobile wallet payments, transfers, and cash withdrawals | Nigeria | | | M-Shwari | /m-shwari | Save money and access microloans from your mobile wallet | Kenya | | | XENO | /xeno | Plan, save, and invest toward clear financial goals | Uganda | | | clinicPesa | /clinicpesa | Save, borrow, and pay for healthcare by mobile money | Uganda | | | First-sub | /first-sub | Buy data, pay bills, and manage top-ups from one wallet | Nigeria | | | hellopaisa | /hellopaisa | Send and receive international money from South Africa | South Africa | | ## Related pages - [Product page](/m-pesa) - [Alternatives](/m-pesa/alternatives) - [Reviews](/m-pesa/reviews) - [Transparency](/m-pesa/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/m-pesa/alternatives?page=2) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)