Question 1

What pay-as-you-go platforms are available in Africa?

Accepted Answer

This directory lists PAYG solar providers, metered utility services, and installment-based access platforms that let African consumers pay for essential services in affordable increments. These products make energy, water, appliances, and other services accessible to people who cannot afford large upfront costs.

Question 2

How does the pay-as-you-go model work?

Accepted Answer

Customers receive a product or service and pay for it in small regular amounts, typically via mobile money. Smart technology in the product tracks payments and controls access. When payments are up to date, the service works normally. If payments lapse, the service is paused until the next payment. Once fully paid, the customer owns the product.

Question 3

What products are available through PAYG in Africa?

Accepted Answer

Solar home systems are the most common PAYG product. But the model has expanded to smartphones, TVs, refrigerators, water purifiers, clean cookstoves, and even agricultural equipment. Some PAYG companies offer bundles combining solar with appliances, all paid for through a single affordable payment plan.

Question 4

Is pay-as-you-go more expensive than buying outright?

Accepted Answer

The total cost of a PAYG product is typically 10-30% higher than the cash price to account for financing costs and risk. However, for many customers the alternative is not a cash purchase but rather not having the product at all, or using expensive alternatives like kerosene or diesel. PAYG makes essential products accessible and the incremental cost is often offset by savings on alternatives.

Question 5

How has PAYG impacted energy access in Africa?

Accepted Answer

PAYG solar has brought electricity to over 150 million people across Africa who were previously off-grid. It has reduced household spending on kerosene, candles, and phone charging fees. Children can study after dark, businesses can extend operating hours, and families experience improved health from eliminating indoor air pollution from kerosene lamps.

Best Pay-As-You-Go Products in Africa (2026)

Frequently Asked Questions

Best Pay-As-You-Go Products in Africa (2026)

Negusmed

Shift-ev

Onewattsolar

M-KOPA

Gokabisa

Paygo Energy

Arnergy

Fazipay

Flexclub