11 Best Payment24 Alternatives & Competitors (2026)

Q: What is the best Payment24 alternative in South Africa?

For South Africa, start with Ozow if you want Pay by Bank and PayShap Request options, or Lipa Payments if you want Tap on Phone (SoftPOS) contactless acceptance on Android. If your use case is an industry-specific closed loop, SAPay is built for cashless minibus taxi fares in South Africa.

Q: What can I use instead of Payment24 for pan-African mobile money payments?

Use Onafriq or HUB2 when your core need is interoperable mobile money across African networks via one integration. HUB2 is positioned around routing for Francophone Africa, while Onafriq supports collecting and disbursing across mobile money and bank networks.

Q: Which Payment24 competitor is best for white-label merchant services for banks?

littlefish is a strong fit if you want a full-stack, white-label merchant services platform aimed at banks and financial institutions across Africa. It is listed as available pan-African and in South Africa, and includes POS and mobile money in its positioning.

Q: Do Payment24 alternatives support physical cards and B2B2C programmes?

Yes, several do: Onafriq supports issuing with both virtual and physical cards, and SAPay and Sticitt both include Physical Cards in their tags. If your programme is B2B2C, Onafriq and SAPay are both explicitly tagged B2B2C.

Last Updated: Sep 22, 2026We refresh this page when product relationships change or when its intro and FAQs are updated. The date shows the latest of those changes.

The most relevant Payment24 alternatives in 2026 are Lipa Payments, SAPay, littlefish, Onafriq, and Mavapay. The right pick depends on where you operate, whether you need a fuel and forecourt-focused platform or a general payment gateway, and how much white-labelling and POS control you need.

Payment24 is a cloud-based, white-label fuel management and payment platform for oil companies, banks, fleet operators, and retailers to issue cards, accept payments, manage loyalty, and control transactions. It is based in Cape Town, South Africa, and was founded in 2013.

People move to Payment24 competitors when their priority shifts away from fuel and forecourt workflows to broader payment coverage, or when they want a provider whose availability is clearly defined by country. Others prefer platforms that are purpose-built for specific rails such as Pay by Bank, interoperable mobile money routing, or SoftPOS on Android, rather than a fuel-first stack. None of this makes Payment24 a poor choice; it means the market now has specialists worth comparing.

What to Compare When Choosing a Payment24 Alternative

Country availability and rollout model: confirm where the provider is available, for example South Africa-only versus pan-African coverage.
White-label depth: check what you can brand end-to-end, from customer apps to physical cards and receipts.
POS and in-person acceptance: verify support for POS, SoftPOS, or specific in-person flows your sites use.
Mobile money interoperability: if mobile money matters, look for direct operator reach and routing options.
Physical cards and issuing support: confirm whether the platform supports issuing and managing physical cards, not just collecting payments.
API and integration fit: review whether it offers APIs and SDKs, and how well it plugs into your existing estate.
B2B2C controls and reporting: ensure it supports multi-entity structures, limits, and reporting suited to fleets and distributed operations.

Compare Payment24 alternatives by what you need

South Africa in-person acceptance and Pay by Bank: Ozow is built for South African businesses and supports Pay by Bank and PayShap Request, while Lipa Payments focuses on contactless Tap on Phone (SoftPOS) on Android.
Mobile money routing across multiple African markets: HUB2 focuses on interoperable mobile money across Francophone Africa, and Onafriq is positioned as a one-integration gateway for collecting, disbursing, and issuing across African mobile money and bank networks.
All-round payment gateway coverage (online and offline): SeerBit supports cards, USSD, bank transfers, direct debit, and POS with one integration, while eTranzact provides multi-channel switching across web, mobile, POS, ATMs, and bank branches.

Use the Liners directory below to explore more Fintech tools and compare apps like Payment24 by South Africa, supported rails, and tags such as Mobile Money, B2B2C, SaaS, POS, and Physical Cards, so you can shortlist what to use instead of Payment24.

11 alternatives

Yoco

🇿🇦 South Africa

100% match

POS and card payments with real-time sales tracking

Compare Payment24 vs Yoco

ePass

🇿🇲 Zambia

87% match

Pay road tolls and fuel cashlessly from one prepaid account

Compare Payment24 vs ePass

Moove

🇳🇬 Nigeria

85% match

Drive-to-own vehicle financing for ride-hailing and delivery

Compare Payment24 vs Moove

Lipa Payments

🇿🇦 South Africa

77% match

Accept contactless card payments with Tap on Phone

Compare Payment24 vs Lipa Payments

Littlefish

🇿🇦 South Africa

77% match4(1)

White-label merchant services that extend bank infrastructure

Compare Payment24 vs Littlefish

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For South Africa, start with Ozow if you want Pay by Bank and PayShap Request options, or Lipa Payments if you want Tap on Phone (SoftPOS) contactless acceptance on Android. If your use case is an industry-specific closed loop, SAPay is built for cashless minibus taxi fares in South Africa.

Use Onafriq or HUB2 when your core need is interoperable mobile money across African networks via one integration. HUB2 is positioned around routing for Francophone Africa, while Onafriq supports collecting and disbursing across mobile money and bank networks.

If you want in-person acceptance without dedicated terminals, Lipa Payments offers SoftPOS so Android phones can accept contactless card payments using NFC. For broader online plus offline acceptance that includes POS, SeerBit supports POS alongside cards, USSD, bank transfers, and direct debit.

Payment24 is based in Cape Town, South Africa, and is described as operating across five continents, but specific countries beyond South Africa are not clearly listed. If you need explicitly pan-African availability, compare Onafriq, HUB2, and SeerBit, which are shown as available pan-African.

littlefish is a strong fit if you want a full-stack, white-label merchant services platform aimed at banks and financial institutions across Africa. It is listed as available pan-African and in South Africa, and includes POS and mobile money in its positioning.

Yes, several do: Onafriq supports issuing with both virtual and physical cards, and SAPay and Sticitt both include Physical Cards in their tags. If your programme is B2B2C, Onafriq and SAPay are both explicitly tagged B2B2C.

Start by mapping your current acceptance channels, then pick a gateway whose rails match them, for example SeerBit for cards, USSD, bank transfers, direct debit, and POS, or eTranzact for multi-channel switching across web, mobile, POS, ATMs, and bank branches. Plan your integration around their API requirements and a phased rollout per channel to reduce downtime.