Question 1

What is the best alternative to Swahilies in Tanzania?

Accepted Answer

For Tanzania-first payment collection and disbursements, ClickPesa is a strong Swahilies alternative because it is built as a Tanzania-focused payment gateway for SMEs and microfinances. If you need regional reach alongside Tanzania, SasaPay is also available in Tanzania and other East African markets.

Question 2

What can I use instead of Swahilies if I need pan-African mobile money coverage?

Accepted Answer

Use PawaPay if your priority is mobile money collections and payouts across multiple countries, it supports 19 African markets through one API and dashboard. If your use case is more payout and remittance-heavy, Nairagram adds options like cash pickup and bill payments.

Question 3

Which apps like Swahilies are best for a payment gateway with cards and mobile money?

Accepted Answer

If you want a payments-first gateway that supports both cards and mobile money across Africa, compare DPO Pay and Flutterwave. DPO Pay positions itself around multi-currency card and mobile money acceptance, while Flutterwave also supports bank transfers and USSD alongside mobile money.

Question 4

Is Swahilies licensed in Tanzania, and do alternatives have clear regulatory status?

Accepted Answer

Swahilies is licensed as a Payment Service Provider (PSP) by the Bank of Tanzania and is based in Dar es Salaam. If licensing is a key requirement for you, SasaPay is explicitly described as CBK-licensed, and you can compare other providers’ regulatory positioning on their Liners profiles.

Question 5

What does Swahilies cost compared with alternatives?

Accepted Answer

Swahilies uses a freemium model and the app is free to download, but detailed paid pricing is not clearly published. If you want a more straightforward payments-only commercial model to evaluate, compare gateway-focused options like ClickPesa or DPO Pay, where the value proposition is primarily collections and payouts rather than an operations suite.

Question 6

Which Swahilies alternative is best for bulk payouts and disbursements?

Accepted Answer

For bulk payouts across multiple African markets, PawaPay is built for collect, refund, and pay out flows through a single API. If you need extra payout methods such as cash pickup, Nairagram is designed around cross-border payouts that include cash pickup alongside mobile wallet transfers.

Question 7

Do Swahilies competitors support API integrations for payments?

Accepted Answer

Yes, several Swahilies alternatives are API-first. PawaPay offers one API plus a web dashboard for mobile money across 19 markets, while Flutterwave provides developer-ready rails for cards, bank transfer, mobile money, and USSD in multiple currencies.

Question 8

How do I switch from Swahilies to an alternative without breaking collections?

Accepted Answer

Start by running Swahilies and a gateway in parallel, then move one payment channel at a time to a provider like ClickPesa for Tanzania-only flows or DPO Pay for multi-currency checkout. If you have an integration, replicate your payment references and reconciliation fields before you redirect traffic to the new API.

Top 38 Best Swahilies Alternatives & Competitors (2026)

Alternatives to Swahilies

EvMak Tanzania

ClickPesa

PawaPay

Nairagram

Flutterwave

SasaPay

tpay Mobile

DPO Pay

Cellulant

CinetPay

Pesapal

SeerBit

Mavapay

iPay Africa

Klickit

CPayant

Onafriq

Konnadex

Popote Pay

Tembo

Traction Apps

JoonaPay

Startbutton

Vendy

Frequently Asked Questions

More Fintech Product Alternatives

More Fintech Product Alternatives