--- title: "PayHive alternatives" description: "Compare 94 published alternatives to PayHive." canonical_url: "https://liners.com/payhive/alternatives?page=2" markdown_url: "https://liners.com/payhive/alternatives.md?page=2" type: "product-alternatives" language: "en" updated_at: "2026-10-07T17:55:13.797Z" --- # PayHive alternatives Compare 94 published alternatives to PayHive. ## Breadcrumbs - [PayHive](/payhive) - [Alternatives](/payhive/alternatives) ## Summary Compare 94 published alternatives to PayHive. ## About these alternatives The most relevant PayHive alternatives in 2026 are [Leatherback](https://liners.com/leatherback), [Waverlite](https://liners.com/waverlite), [Kora](https://liners.com/kora), [Centiiv](https://liners.com/centiiv), and [Mavapay](https://liners.com/mavapay). The right option depends on whether you need peer and group savings, multi-currency holding, or a payment-gateway and payout API for a business. PayHive is a web-based financial services platform in [Nigeria](/countries/nigeria) focused on saving with peers, wallet-style money management, transaction tracking, and access to corporate business accounts. It is owned and managed by Ajopay Ltd (CAC RC: 1875455) and is based in Lagos, Nigeria. People compare PayHive alternatives when they want a mobile-first experience (PayHive is web-only), need clearer published pricing than “on request”, or want tools PayHive is not centred on, like pan-African payment rails, Merchant of Record compliance, or multi-currency collection and settlement. None of this makes PayHive a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a PayHive Alternative - **Country coverage**: confirm the product supports your market, some options are [Nigeria](/countries/nigeria)-only while others are pan-African. - **Multi-currency and FX controls**: check which currencies you can hold, exchange, and settle in, and whether rates are transparent. - **Collections methods**: look for the rails you need, for example cards, bank transfer, USSD, mobile money, payment links, or QR. - **Payouts and settlement speed**: if you run payouts, verify settlement timelines and whether bulk payouts are supported. - **API depth vs no-code tools**: developers may prefer strong APIs, while operators may want dashboards and no-code flows. - **Compliance model**: if you sell internationally, consider whether a provider offers Merchant of Record style support. - **Reconciliation and reporting**: prioritise exports, webhooks, and clean transaction histories for accounting. ## Compare PayHive alternatives by what you are trying to do - **Multi-currency accounts for people and small businesses**: [Leatherback](https://liners.com/leatherback) supports multi-currency accounts and cross-border transfers, and is listed for Nigeria, Ghana, Tanzania, and Cameroon; [Waverlite](https://liners.com/waverlite) is positioned as pan-African with multi-currency wallets and QR payments. - **One API for pay-ins, payouts, and settlements across Africa**: [Kora](https://liners.com/kora) focuses on pay-ins, payouts, and settlements and lists coverage across Nigeria, Kenya, South Africa, Ghana, Egypt, Cameroon, and Côte d’Ivoire. - **Cross-border collection and payouts for businesses**: [Passpoint](https://liners.com/passpoint) connects African payment methods via a unified API and supports cross-border transfers across Africa and 50+ countries; Withcapera focuses on B2B cross-border payouts, sending to 60+ countries and receiving in 10+ currencies. To find more PayHive competitors, use the Liners directory below to explore [Fintech](/categories/fintech) options filtered by [Nigeria](/countries/nigeria) and tags like [Cross-Border Payments](/tags/cross-border-payments), [Multi-currency](/tags/multi-currency), [Payment Gateway](/tags/payment-gateway), [B2B](/tags/b2b), and [SaaS](/tags/saas), then compare apps like PayHive side by side before you switch. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | AjoCard | /ajocard | Savings, loans, payments, and health cover for everyday earners | Nigeria | 4 | | Cowrywise | /cowrywise | Automate savings and invest in mutual funds from your phone | Nigeria | 4.1 | | HerVest | /hervest | Savings, investing, and credit designed for African women | Nigeria | | | MinieMoney | /miniemoney | Family savings and investing in one connected app | Nigeria | 3.8 | | Monibac | /monibac | Save, earn interest, and access collateral-free loans | Nigeria | | | Monietab | /monietab | Put cooperative savings, contributions, and loans in your pocket | Nigeria | | | Paypaxe | /paypaxe | Track spending, save toward goals, and contribute in groups | Nigeria | | | PiggyVest | /piggyvest | Save and invest online with security and flexibility | Nigeria | 4.5 | | PlutusNeo | /plutusneo | Save and invest in Naira or Dollars from one app | Nigeria | | | SavingsBox | /savingsbox | Save, invest, get quick loans, and lock in food prices | Nigeria | | | Thamani Invest | /thamani-invest | AI-guided investing and automated savings to outpace inflation | Nigeria | | | Investnaija | /investnaija | Learn, save toward goals, and access regulated investments | Nigeria | | | Monéé | /monee | Loans, savings, transfers, and bill payments in one app | Nigeria | | | Kuditrak | /kuditrak | Track spending, transfer money, and save toward goals | Nigeria | | | MyInvestar | /myinvestar | Save and invest in regulated Nigerian funds from your phone | Nigeria | | | Lendocredit | /lendocredit | Instant rent, salary, and SME loans from a mobile app | Nigeria | | | Riby | /riby | Digitize cooperative savings, loans, and thrift collection | Nigeria | | | PalmPay | /palmpay | Mobile money, savings, bills, and agent cash services | Nigeria | 4.1 | | Raven | /raven | Transfer money, access loans, and earn on savings | Nigeria | | ## Related pages - [Product page](/payhive) - [Alternatives](/payhive/alternatives) - [Reviews](/payhive/reviews) - [Transparency](/payhive/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/payhive/alternatives?page=2) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)