--- title: "Xente alternatives" description: "Compare 55 published alternatives to Xente." canonical_url: "https://liners.com/xente/alternatives" markdown_url: "https://liners.com/xente/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-10-06T10:07:20.451Z" --- # Xente alternatives Compare 55 published alternatives to Xente. ## Breadcrumbs - [Xente](/xente) - [Alternatives](/xente/alternatives) ## Summary Compare 55 published alternatives to Xente. ## About these alternatives The most practical Xente alternatives in 2026 are [PawaPay](https://liners.com/pawapay), [Cellulant](https://liners.com/cellulant), [HUB2](https://liners.com/hub2), [CodeLnPay](https://liners.com/codelnpay), and [Localpayment](https://liners.com/localpayment). The right choice depends on where you operate in Africa, whether you are pay-in or payout heavy, and how much you need mobile money coverage versus multi-currency treasury. Xente is a B2B payments platform built for African and global businesses to collect local payments, run payouts, and manage treasury, liquidity, and compliance across Africa. The platform reports USD 1B+ in processed transaction value, 4,000+ business customers, 35+ payment options, and 99.9% uptime, with primary coverage starting in Uganda and a wider cross-border focus. Most businesses comparing Xente competitors are trying to solve one of three issues: they need stronger coverage outside Uganda, they want a provider that is more specialised in mobile money interoperability (especially at scale), or they want a clearer fit for a specific workflow like payroll-style bulk payouts or remittance disbursements. None of this makes Xente a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a Xente Alternative - **Country coverage you can verify**: confirm the provider supports your live markets, not just “pan-African” claims, and check specific support for [Nigeria](/countries/nigeria) and [Uganda](/countries/uganda) if those matter to you. - **Mobile money depth**: look for direct operator reach, refund support, and reliability for wallet pay-ins and payouts, not only card and bank rails. - **Pay-ins vs payouts strength**: some tools are best at collections, others at disbursements; match your highest-volume flow first. - **Bulk payments and controls**: check limits, batch processing, approval flows, and whether you get the audit trail your finance team needs. - **Multi-currency and FX handling**: compare how pricing is quoted for FX, what currencies you can hold or settle in, and how treasury workflows work day to day. - **API quality and developer tooling**: review auth methods, webhook reliability, test environments, and how quickly you can ship an integration. - **Reconciliation and reporting**: insist on clean settlement reports, payout statuses, and references that match your internal ledger. ## Compare Xente Alternatives by Use Case - **Mobile money collection and payouts across many markets**: [PawaPay](https://liners.com/pawapay) focuses on mobile money aggregation and supports 19 African markets through one API. - **Francophone Africa mobile money routing and interoperability**: [HUB2](https://liners.com/hub2) is built around interoperable mobile money payments across Francophone Africa via APIs. - **Payroll-style cross-border payouts, including crypto rails**: [CodeLnPay](https://liners.com/codelnpay) is positioned for paying remote workers across borders with bank, card, mobile money, and crypto options. - **Cross-border pay-ins, payouts, and FX under one API**: [Localpayment](https://liners.com/localpayment) covers multiple countries including Nigeria and Uganda and is geared around pay-ins, payouts, and treasury. - **Card, bank, and offline plus online acceptance**: [Cellulant](https://liners.com/cellulant) supports collections across mobile money, cards, and bank accounts, with settlement and reconciliation. To find more apps like Xente, browse the Liners directory below and filter by [Fintech](/categories/fintech) features such as [Cross-Border Payments](/tags/cross-border-payments), [SaaS](/tags/saas), [B2B](/tags/b2b), [Mobile Money](/tags/mobile-money), and [Bulk Payments](/tags/bulk-payments). You can shortlist similar apps, compare them side by side, and pick what works instead of Xente for your specific countries and payment rails. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | Fincra | /fincra | Collect payments and send payouts across borders with one API | Nigeria | 5 | | DusuPay | /dusupay | Accept and pay out across Africa with one integration | Uganda | | | Cellulant | /cellulant | Cellulant accept and manage payments across African markets via one API | Kenya | | | AZA Finance | /aza-finance | Cross-border FX, payments, and settlement for Africa | Kenya | | | CrissCross | /crisscross | One API for collections, FX, and payouts across African markets | South Africa | | | Passpoint | /passpoint | Connect African payment methods with one unified API | Nigeria | 4 | | 54pay | /54pay | Collect and send payments across Africa with one API | Nigeria | | | Klasha | /klasha | Accept and send cross-border payments in local currencies | Nigeria | 5 | | Bani | /bani | Collect and settle cross-border payments across Africa fast | Nigeria | | | Elemi Pay | /elemi-pay | Accept and pay out across Africa with one API | Kenya | | | Onafriq | /onafriq | Interoperable payments across Africa via one integration | South Africa | | | PawaPay | /pawapay | Collect and pay out mobile money across Africa with one API | Kenya | | | dLocal | /dlocal | Financial technology for markets of the future | Nigeria | | | Localpayment | /localpayment | One API for cross-border pay-ins, payouts, and FX | Nigeria | | | Payaza | /payaza | Accept and manage online payments across currencies | Nigeria | 5 | | BorderPay Africa | /borderpay-africa | Global business accounts and African payouts in one place | Nigeria | | | Kora | /kora | One integration for pay-ins, payouts, and settlements across Africa | Nigeria | | | Flick | /flick | One connection for global payments, accounts, and financial data | Nigeria | | | Budpay | /budpay | Payment infrastructure for businesses in Africa and beyond | Nigeria | | ## Related pages - [Product page](/xente) - [Alternatives](/xente/alternatives) - [Reviews](/xente/reviews) - [Transparency](/xente/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/xente/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)