Best B2C Software Products in Africa (2026)

5(1)

Trade gift cards, pay bills, and shop online with virtual cards

Alternatives:

OPay

4(4)

A mobile-first fintech platform for emerging markets

Alternatives:

Kuda Bank

3.8(4)

The money app for Africans

Alternatives:

M-Pesa

🇰🇪 Kenya

4.3(3)

Africa's most successful mobile money service

Alternatives:

Prestmit

Trade crypto, gift cards and eSIMs with local payouts

Alternatives:

Tbay

Trade gift cards for cash in minutes—securely, anytime

Alternatives:

Raenest

Get paid, spend, and send money across borders with ease

Alternatives:

Eversend

🇺🇬 Uganda

Send, spend, and exchange money across borders in minutes

Alternatives:

Grey

Get paid globally with foreign accounts and real-time FX

Alternatives:

Roqqu

Borderless crypto trades, payments, and savings in one app

Alternatives:

Bitmama

Buy, sell, and spend crypto globally with confidence

Alternatives:

TymeBank

🇿🇦 South Africa

South Africa's first digital bank

Alternatives:

Fundall

All your money tools—spend, save, budget, and invest

Alternatives:

Giftcardstonaira

Trade gift cards for instant cash, securely

Alternatives:

PiggyVest

4.3(3)

Save and invest with confidence

Alternatives:

Nearpays

Accept card payments fast with compliant POS tools

Investbamboo

Buy fractional US stocks and crypto from Africa

Alternatives:

Lemonade Finance

Send money from Africa to the world

Alternatives:

Gomoney

Manage payments, bills, savings and spending in one app

Alternatives:

Gcbuying

Sell gift cards and crypto for instant cash in Nigeria

Alternatives:

Cardify

Virtual dollar cards, bill payments, and gift card trading

Alternatives:

GeePay

Get paid, spend, and send money across borders with ease

Alternatives:

Tribapay

Local and cross-border payments for people and businesses

Alternatives:

Bitnob

Global Bitcoin payments, wallets, and cards for African teams

Busha

Trade, save, and spend digital assets with confidence

Alternatives:

Vesti

Banking, cards, and guided relocation support in one place

Alternatives:

PSTNET

Виртуальные карты в USD/EUR для рекламы и покупок

Zole

Send international money by phone number in minutes

Alternatives:

Risevest

Invest in dollar-denominated assets from Africa

Alternatives:

Spectrocard

Get a free Visa card with an IBAN for everyday spending

Chipper Cash

4(3)

Send and receive money across Africa with no fees

Alternatives:

Klasha

Send and collect cross-border payments in local currencies

Alternatives:

Cowrywise

Save and invest with ease

Alternatives:

Carbon

3(1)

Digital finance for every African

Alternatives:

Bitsika

🇬🇭 Ghana

Get a Visa virtual card funded by crypto in about an hour

Alternatives:

Cardtonic

5(1)

Trade gift cards, pay bills, and shop online with virtual cards

Alternatives:

OPay

4(4)

A mobile-first fintech platform for emerging markets

Alternatives:

Kuda Bank

3.8(4)

The money app for Africans

Alternatives:

M-Pesa

🇰🇪 Kenya

4.3(3)

Africa's most successful mobile money service

Alternatives:

Prestmit

Trade crypto, gift cards and eSIMs with local payouts

Alternatives:

Tbay

Trade gift cards for cash in minutes—securely, anytime

Alternatives:

Raenest

Get paid, spend, and send money across borders with ease

Alternatives:

Eversend

🇺🇬 Uganda

Send, spend, and exchange money across borders in minutes

Alternatives:

Grey

Get paid globally with foreign accounts and real-time FX

Alternatives:

Roqqu

Borderless crypto trades, payments, and savings in one app

Alternatives:

Bitmama

Buy, sell, and spend crypto globally with confidence

Alternatives:

TymeBank

🇿🇦 South Africa

South Africa's first digital bank

Alternatives:

Fundall

All your money tools—spend, save, budget, and invest

Alternatives:

Giftcardstonaira

Trade gift cards for instant cash, securely

Alternatives:

PiggyVest

4.3(3)

Save and invest with confidence

Alternatives:

Nearpays

Accept card payments fast with compliant POS tools

Investbamboo

Buy fractional US stocks and crypto from Africa

Alternatives:

Lemonade Finance

Send money from Africa to the world

Alternatives:

Gomoney

Manage payments, bills, savings and spending in one app

Alternatives:

Gcbuying

Sell gift cards and crypto for instant cash in Nigeria

Alternatives:

Cardify

Virtual dollar cards, bill payments, and gift card trading

Alternatives:

GeePay

Get paid, spend, and send money across borders with ease

Alternatives:

Tribapay

Local and cross-border payments for people and businesses

Alternatives:

Bitnob

Global Bitcoin payments, wallets, and cards for African teams

Busha

Trade, save, and spend digital assets with confidence

Alternatives:

Vesti

Banking, cards, and guided relocation support in one place

Alternatives:

PSTNET

Виртуальные карты в USD/EUR для рекламы и покупок

Zole

Send international money by phone number in minutes

Alternatives:

Risevest

Invest in dollar-denominated assets from Africa

Alternatives:

Spectrocard

Get a free Visa card with an IBAN for everyday spending

Chipper Cash

4(3)

Send and receive money across Africa with no fees

Alternatives:

Klasha

Send and collect cross-border payments in local currencies

Alternatives:

Cowrywise

Save and invest with ease

Alternatives:

Carbon

3(1)

Digital finance for every African

Alternatives:

Bitsika

🇬🇭 Ghana

Get a Visa virtual card funded by crypto in about an hour