What is the best alternative to Pesapal in Kenya?

For Kenya, SasaPay is a strong Pesapal alternative if you want a gateway plus an e-wallet, and it is described as CBK-licensed. If your priority is POS plus utility bill payments across multiple markets, Ipay Africa is also Kenya-available and built for online and in-store collections.

What can I use instead of Pesapal in Rwanda?

If you need a Pesapal alternative that operates in Rwanda, start with Ipay Africa and SasaPay, both listed as available in Rwanda. Choose Ipay Africa for POS and bill payments across several African markets, or SasaPay if you also want wallet-style flows and reconciliation.

Which apps are like Pesapal for pan-African, cross-border payouts?

For cross-border use cases, Mavapay is positioned as an API-based platform for cross-border payments and payouts across Africa, with same-day settlements stated in its description. If you work heavily with mobile money interoperability across multiple operators, HUB2 focuses on routing mobile money payments via APIs, especially across Francophone Africa.

Do any Pesapal competitors support USSD payments?

Yes, USSD is a core feature for some Pesapal competitors, including SasaPay and Kyanda Africa, both tagged with USSD. If you want a consumer and merchant wallet experience anchored on USSD, TandaPay also lists USSD support and works via *712#.

Which Pesapal alternative is best if I need both POS and online payments?

If you want one provider for online checkout plus in-store payments, SeerBit is built for online and offline collections and lists POS as part of its offering. Ipay Africa is another fit here, with POS, mobile money, and bill payments across multiple African markets.

Is Pesapal licensed, and are there licensed alternatives?

Pesapal is described as being regulated by the Central Bank of Kenya. If licensing is your decision filter, SasaPay is explicitly described as CBK-licensed, making it a useful point of comparison for Kenya-based businesses.

How do I switch from Pesapal to another gateway without breaking checkout?

Start by running SeerBit or Mavapay in parallel, then move traffic gradually once webhooks, reconciliation, and refund flows are verified. If you rely on payment links and lightweight collections, SeerBit includes payment links, which can help you migrate before a full API cutover.

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Top 90 Best Pesapal Alternatives & Competitors (2026)

The most practical Pesapal alternatives to compare in 2026 are Ipay Africa, SasaPay, Mavapay, SeerBit, and HUB2. The right pick depends on where you operate, the rails you need (mobile money, cards, USSD, bank transfer), and whether your priority is POS, online checkout, or payouts.