--- title: "Speso alternatives" description: "Compare 98 published alternatives to Speso." canonical_url: "https://liners.com/speso/alternatives" markdown_url: "https://liners.com/speso/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-08-30T16:28:13.216Z" --- # Speso alternatives Compare 98 published alternatives to Speso. ## Breadcrumbs - [Speso](/speso) - [Alternatives](/speso/alternatives) ## Summary Compare 98 published alternatives to Speso. ## About these alternatives The most useful Speso alternatives to compare in 2026 are [Wallet doc](/walletdoc), [WafR](https://liners.com/wafr), [Momo](https://liners.com/momo), [NowNow](https://liners.com/nownow), and [PocketApp](https://liners.com/pocketapp). The right choice depends on your country, whether you mostly do bill payments or merchant QR, and if you need a consumer wallet or a business-focused payments tool. Speso is a mobile payments app used in Ghana and Nigeria for money transfers, QR payments, bill payments, and virtual Visa card use. It runs on Android and iOS, includes social-style messaging features, and uses KYC checks such as Ghana Card verification, while operating through partnerships with licensed transmitters in the relevant jurisdictions. People usually look for alternatives to Speso when they want coverage outside Ghana and Nigeria, a more traditional bank account experience, POS and merchant tooling that is built for day-to-day retail collection, or a wallet that focuses on one core job like mobile money rather than mixing payments with social features. None of this makes Speso a poor choice; it just means you may find a closer fit by comparing specialists. ## What To Look Out For In A Speso Alternative - **Country availability**: start with apps that are active where you live or collect money, especially if you move between Ghana and Nigeria. - **Mobile money rails**: confirm it supports the wallet types you rely on for cash-in, cash-out, and transfers. - **Bill payment coverage**: check your common billers (electricity, data, TV) are supported, not just airtime. - **QR and in-person payments**: if you pay or collect via QR, look for clear QR flows and merchant acceptance. - **POS support**: businesses that take walk-in payments should compare POS options and settlement to bank. - **Business tools and SaaS features**: if you need payment links, invoicing, or merchant dashboards, pick a platform built for merchants. - **Compliance and KYC**: make sure sign-up and verification are realistic for you, and that your ID type is supported. ## Compare Speso alternatives by country and use case - **Closest option for Ghana and multi-market mobile money**: [Momo](https://liners.com/momo) is built around mobile money and is available in Ghana and Nigeria, plus multiple other African markets. - **Nigeria-first wallets for bills and everyday transfers**: [PocketApp](https://liners.com/pocketapp), Fetswallet, and [KongaPay](https://liners.com/kongapay) focus on Nigeria, with bill payments and wallet features aimed at daily use. - **For merchants that need POS and payment acceptance**: [NowNow](https://liners.com/nownow) is positioned for Nigerian merchants, and [Ipay Africa](https://liners.com/ipay-africa) is a payments and billing platform that supports online and in-store payments across several African markets. - **If you want a bank-backed option**: [Sterling Bank](https://liners.com/sterling-bank) offers digital banking channels alongside branch banking in Nigeria. - **Bills-only outside West Africa**: [Wallet doc](/walletdoc) is focused on South Africa and supports 400+ billers via EasyPay, while [WafR](https://liners.com/wafr) targets Moroccan neighbourhood shops with bill pay plus cash-in and cash-out. Scroll the Liners directory below to explore more [Fintech](/categories/fintech) options and filter apps like Speso by [Nigeria](/countries/nigeria) or [Ghana](/countries/ghana), plus tags such as [Bill Payments](/tags/bill-payments), [Mobile Money](/tags/mobile-money), [POS](/tags/pos), [SaaS](/tags/saas), and [B2B2C](/tags/b2b2c), then compare similar apps side by side before switching instead of Speso. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Prime Biller | /prime-biller | Pay airtime, data, electricity, and TV subscriptions in one place | Nigeria | | | BilmaPay | /bilmapay | Pay bills and send money in seconds, locally or internationally | Nigeria | | | MoMo | /momo | Send, receive, and pay with mobile money across Africa | South Africa | 4.7 | | Sapa Pay | /sapa-pay | Pay bills and stay on track with your finances | Nigeria | | | SmartCash PSB | /smartcash-psb | Send money, buy airtime, and manage everyday payments | Nigeria | 4.5 | | VaultPay NG | /vaultpay-ng | Pay bills, buy airtime and data, and fund a wallet in Nigeria | Nigeria | 4 | | PocketApp | /pocketapp | Send, spend, and sell with fast Nigerian transfers | Nigeria | 4.3 | | M-PESA Africa | /m-pesa-africa | Mobile money transfers and payments across African markets | Kenya | | | Shago Payments | /shago-payments | One place to pay bills, transfer money, and buy services | Nigeria | | | Hubtel | /hubtel | Integrate mobile money, cards, bank transfers, and bills via APIs | Ghana | | | Jemapay | /jemapay | Automated bill payments, airtime, and utility top-ups | Nigeria | | | Manilla Finance | /manilla-finance | Pay Nigerian bills and travel with crypto or cards | Nigeria | | | Squareme | /squareme | Send money by phone number, pay bills, spend globally | Nigeria | | | AjoMoney | /ajomoney | Alternative finance for underserved Africans. | Nigeria | | | Cardgoal | /cardgoal | Trade gift cards for instant cash and pay bills in one app | Nigeria | | | CardKK | /cardkk | Exchange gift cards for instant NGN or GHS payouts | Nigeria | | | Credrails | /credrails | Automate multi-source payment reconciliation in real time | Kenya | | | EasySpend | /easyspend | Convert crypto to Naira and spend online with USD cards | Nigeria | | | Jophab | /jophab | Trade gift cards for cash and pay utility bills in minutes | Nigeria | | ## Related pages - [Product page](/speso) - [Alternatives](/speso/alternatives) - [Reviews](/speso/reviews) - [Transparency](/speso/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/speso/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)