33 Best SasaPay Alternatives & Competitors (2026)
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The closest alternatives to SasaPay are Onafriq, ClickPesa, Kopo Kopo, tpay Mobile, and Lemonade Payments. They are ranked by product similarity, shared features, and market fit, with product authority and review volume used only to break score ties. 33 products qualify for this list.
The most practical SasaPay alternatives for Kenya in 2026 are TandaPay, eTranzact, Jumuisha, SzndPay, and Monnify. The right choice depends on whether you need a Kenya-only wallet and USSD flow, a specialised giving and reconciliation tool, or a multi-country payment gateway.
SasaPay is a CBK-licensed payment gateway and e-wallet in Kenya that supports collecting and sending funds for businesses, agents, and developers. It is licensed by the Central Bank of Kenya as a payment service provider (PSP), and the licence status in the Kenyan market is dated to 2021.
People compare SasaPay alternatives mainly because SasaPay is Kenya-focused, so cross-border collections, multi-currency settlement, or expansion outside Kenya can push you towards a different provider. Others want a more specialised setup for their workflow, for example a church giving and member platform, or an enterprise-grade switching layer that routes payments across multiple channels. None of this makes SasaPay a poor choice; it means the market now has specialists worth comparing.
What to Compare When Choosing a SasaPay Alternative
- Country coverage: confirm where the provider operates, for example Kenya-only versus providers that also cover South Africa, Ghana, or Rwanda.
- Payment rails you need: check support for Mobile Money and bank transfers, plus USSD if you serve feature-phone users.
- Gateway vs wallet fit: decide if you want a pure payment gateway API, a wallet experience, or both for B2B2C flows.
- USSD entry point: if USSD matters, verify the code and flow, for example TandaPay supports payments via *712#.
- Multi-currency and cross-border: if you sell across borders, prioritise gateways built for cross-border payments and payouts.
- Reconciliation and reporting: make sure exports, settlement reports, and references match how you close books day to day.
- Integration surface: compare API availability and how much of your checkout, payouts, and webhooks can be automated.
- In-person acceptance: if you do POS or face-to-face collections, look for POS and NFC support where available.
Compare SasaPay Competitors by Use Case
- Kenya USSD and interoperable wallet flows: TandaPay is built around interoperable mobile money payments and USSD (*712#) for consumers, merchants, and developers.
- Multi-country payment switching and processing: eTranzact supports routing transactions across web, mobile, POS, ATMs, and bank branches, and operates in markets including Kenya, Nigeria, South Africa, and Ghana.
- M-Pesa giving and church reconciliation: Jumuisha is a specialised SaaS option for churches in Kenya that tracks donations and reconciles M-Pesa payments.
- One API across multiple African markets: SzndPay supports cards, transfers, USSD, and mobile money with multi-currency support across 10+ countries.
- POS and broader East Africa coverage: Pesapal supports M-Pesa, card, and NFC payments, and operates across Kenya, Rwanda, Tanzania, and Uganda.
Scroll the Liners directory below to explore SasaPay similar apps in Fintech, then filter by Mobile Money, B2B2C, USSD, Payment Gateway, and SaaS. If you are comparing options in Kenya or nearby markets like Rwanda, Tanzania, Uganda, Burundi, and Somalia, you can shortlist what to use instead of SasaPay and compare providers side by side.
33 alternatives
Frequently asked questions about SasaPay alternatives
For Kenya-only mobile money and USSD-style flows, TandaPay is a close SasaPay alternative because it supports interoperable payments via *712# and offers API integrations. If you need online checkout plus broader payment tooling in Kenya, Pesapal is also worth comparing because it supports M-Pesa, card, and NFC payments.
If you need a SasaPay substitute in Rwanda, start with Pesapal since it operates in Rwanda and supports M-Pesa, card, and NFC payments across channels. If you are building for cross-border payouts rather than a Rwanda-only setup, HUB2 is another option positioned around mobile money interoperability across multiple African markets.
For churches, Jumuisha is the most direct alternative because it is a church management and giving platform that tracks donations and reconciles M-Pesa payments in Kenya. If you also need a general-purpose payment gateway alongside giving, you can pair it with a gateway like Pesapal for card and in-person payments.
For switching and processing across channels like web, mobile, POS, ATMs, and bank branches, eTranzact is purpose-built for that role. It operates in several markets including Kenya, Nigeria, South Africa, and Ghana, which can matter if you are supporting regional operations.
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