Question 1

What is the best alternative to Pesha in Kenya for bulk payments?

Accepted Answer

For bulk disbursements in Kenya, Paystro is a strong alternative because it supports single or bulk payments to mobile money, tills, paybills, banks, utilities, and airtime, with reporting. If you need approvals and payables workflows alongside tracking, Popote Pay is another Kenya-focused option.

Question 2

What can I use instead of Pesha if I also need corporate cards?

Accepted Answer

If cards are the missing piece, Boya is the closest fit because it combines corporate cards with expense management and bill payments. It is positioned for controlled spending with approvals and accounting integrations rather than just paybill execution.

Question 3

Which Pesha competitor is better for a business operating in multiple African countries?

Accepted Answer

KiotaPay is the clearest multi-country option in this shortlist, with availability listed across Nigeria, Kenya, Ghana, Rwanda, and Uganda. If you also want collections or POS-style acceptance in several markets, Pesapal is active in countries including Kenya, Uganda, Tanzania, Rwanda, Zambia, Zimbabwe, and Malawi.

Question 4

Do any apps like Pesha support USSD for bill payments?

Accepted Answer

Yes, Kyanda Africa explicitly lists USSD as part of its payments and utility settlement options in Kenya and South Africa. That makes it useful when some staff do not reliably use smartphone apps for day-to-day payments.

Question 5

What does Pesha cost compared with alternatives?

Accepted Answer

Pesha’s public materials describe its plans as cost-effective but do not list exact prices, so you will need a quote to compare properly. To benchmark value, compare feature scope: Paystro focuses on bulk payments and consolidated reporting, while Boya adds corporate cards and multi-currency features.

Question 6

Is Pesha available outside Kenya?

Accepted Answer

Pesha is described as operating in Kenya, with payments via M-PESA and bank transfers. If you need a similar tool outside Kenya, KiotaPay lists availability in five countries, and Ipay Africa lists operations across markets including Kenya, Nigeria, Rwanda, Tanzania, Zambia, and DR Congo.

Question 7

How do I switch from Pesha to another spend management tool without losing visibility?

Accepted Answer

Start by exporting your current transaction history and receipt evidence, then rebuild your approval rules in the new tool before moving live payments. Tools like Popote Pay emphasise approvals, tracking, and accounting exports, while Paystro is better if the main change is moving to bulk payouts with reporting.

Top 26 Best Pesha Alternatives & Competitors (2026)

Alternatives to Pesha

Paystro

Boya

M-PESA Africa

Popote Pay

Kyanda Africa

Tusenti

Pesapal

Moov Africa

iPay Africa

Safaricom

MaxiCash

M-PESA

Thamani

Momo

Telecel

Prime Biller

Reloadly

Qwan Cloud Accoun...

Bujeti

KiotaPay

Interswitch

Quickteller

Arca

Flux

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