--- title: "XPay alternatives" description: "Compare 29 published alternatives to XPay." canonical_url: "https://liners.com/xpay/alternatives" markdown_url: "https://liners.com/xpay/alternatives.md" type: "product-alternatives" language: "en" updated_at: "2026-10-06T16:02:58.218Z" --- # XPay alternatives Compare 29 published alternatives to XPay. ## Breadcrumbs - [XPay](/xpay) - [Alternatives](/xpay/alternatives) ## Summary Compare 29 published alternatives to XPay. ## About these alternatives The strongest **XPay alternatives** for African businesses in 2026 are [DPO Pay](https://liners.com/dpo-pay), [CinetPay](https://liners.com/cinetpay), [SeerBit](https://liners.com/seerbit), [Interswitch](https://liners.com/interswitch), and [PawaPay](https://liners.com/pawapay). The right choice depends on where you operate (Egypt-only vs pan-African), your payment-method mix (cards, mobile money, QR), and whether you need pay-ins only or pay-ins plus payouts. XPay is a web-based online payment gateway for Egyptian businesses to accept digital payments such as cards and wallets, plus QR and instalment flows, with API integration and a monitoring dashboard. It is positioned around Egypt-focused coverage with transaction-based pricing (no subscription fee stated), bi-weekly payouts on Mondays and Wednesdays, and stated compliance with PCI DSS and OWASP standards. Businesses usually start comparing apps like XPay when they outgrow an Egypt-only setup and need cross-border coverage, multi-currency settlement, or mobile money rails across more African markets. Others want a provider that is built as a payout platform as much as a checkout platform, or they need extra rails like USSD, direct debit, or POS alongside online payments. None of this makes XPay a poor choice; it means the market now has specialists worth comparing. ## What to Compare When Choosing a XPay Alternative - **Country coverage (and Egypt support)**: confirm the provider supports your current markets, for example [Egypt](/countries/egypt), and any expansion markets you plan to add. - **Payment-rail mix**: check what is native, cards, mobile money, QR, bank transfer, USSD, and whether you can run them under one integration. - **Payouts and refunds**: look for built-in refunds and payouts if you need to send money back to customers or pay suppliers, not just collect. - **Multi-currency and FX handling**: verify settlement currencies, FX mark-ups, and whether you can hold balances in multiple currencies. - **API quality and integration time**: review documentation, SDKs, webhooks, and how reconciliation and error handling work in real traffic. - **Risk controls**: ask what fraud monitoring and dispute or chargeback workflows exist for card payments. - **Reporting and reconciliation**: make sure you can export, filter, and match transactions to orders, subscriptions, or invoices without manual work. - **Compliance fit**: confirm the security and compliance posture you need (for example PCI-related requirements) and what is contractually covered. Filter the Liners directory to compare options side by side before you switch. ## Compare XPay alternatives by what you need - **Pan-African checkout (cards plus mobile money)**: [DPO Pay](https://liners.com/dpo-pay) and [CinetPay](https://liners.com/cinetpay) focus on accepting payments across multiple African markets, including mobile money and card rails. - **One integration for online plus offline rails**: [SeerBit](https://liners.com/seerbit) is built to combine online payments with rails like USSD, direct debit, and POS in one setup. - **Mobile money collection and payouts at scale**: [PawaPay](https://liners.com/pawapay) is a mobile money aggregator that supports collecting, refunding, and paying out across 19 African markets. - **Payments plus broader rails like bills and commerce infrastructure**: [Interswitch](https://liners.com/interswitch) is often compared when you want more than a basic gateway, such as bill payment and wider payment infrastructure. - **Egypt plus multi-country expansion**: [Kora](https://liners.com/kora) explicitly lists Egypt among its operating countries, alongside markets like Nigeria, Kenya, South Africa, and Ghana. The Liners directory below lists XPay competitors and similar apps in [Fintech](/categories/fintech), so you can filter by [Egypt](/countries/egypt), [B2B](/tags/b2b), [SaaS](/tags/saas), [Cross-Border Payments](/tags/cross-border-payments), [Multi-currency](/tags/multi-currency), and [Mobile Money](/tags/mobile-money) to find what to use instead of XPay. ## Alternatives | Name | URL | Tagline | Country | Rating | | --- | --- | --- | --- | --- | | 54pay | /54pay | Collect and send payments across Africa with one API | Nigeria | | | Kashier | /kashier | Accept cards, wallets, and QR payments online and in store | Egypt | | | Maishapay | /maishapay | The all‑in‑one financial platform you’ve been looking for. | DR Congo | 3 | | MoneyHash | /moneyhash | Orchestrate payments across providers, markets, and channels | Egypt | | | tpay Mobile | /tpay-mobile | Accept mobile payments across META with one API | Egypt | | | Callpay | /callpay | Accept payments across web, mobile, and call centre | South Africa | | | FedaPay | /fedapay | We create simple, modern, and reliable solutions to pay and get paid anywhere in the world. | Benin | | | Flutterwave | /flutterwave | Accept and send payments across Africa and beyond | Nigeria | 3.4 | | Notch Pay | /notch-pay | Accept African payments and create secure payment links | Cameroon | | | Whoosh | /whoosh | Accept online card payments with secure checkout and links | South Africa | | | Enza | /enza | Open-API payments infrastructure for African institutions | Egypt | | | Konnect | /konnect | Accept online payments worldwide via links, plugins, or API | Tunisia | | | Localpayment | /localpayment | One API for cross-border pay-ins, payouts, and FX | Nigeria | | | OPay Business | /opay-business | Accept POS payments with instant settlement to your account | Nigeria | 4.3 | | Paystack | /paystack | Accept online and offline payments across multiple channels | Nigeria | 4.5 | | Converted Pay | /converted-pay | Fund ad campaigns in local currency across major networks | Egypt | | | Kora | /kora | One integration for pay-ins, payouts, and settlements across Africa | Nigeria | | | CinetPay | /cinetpay | Accept online payments across Francophone Africa with one API. | Côte d'Ivoire | | | Ozow | /ozow | Ozow accept instant bank-to-bank payments without cards | South Africa | | ## Related pages - [Product page](/xpay) - [Alternatives](/xpay/alternatives) - [Reviews](/xpay/reviews) - [Transparency](/xpay/transparency) ## Access and citation - [Canonical HTML page](https://liners.com/xpay/alternatives) - [Markdown route index](/sitemap.md) - [Agent access guide](/llms.txt)