---
title: "Zoto alternatives"
description: "Compare 118 published alternatives to Zoto."
canonical_url: "https://liners.com/zoto/alternatives?page=4"
markdown_url: "https://liners.com/zoto/alternatives.md?page=4"
type: "product-alternatives"
language: "en"
updated_at: "2026-09-14T21:47:58.109Z"
---

# Zoto alternatives

Compare 118 published alternatives to Zoto.

## Breadcrumbs

- [Zoto](/graveyard/zoto)
- [Alternatives](/zoto/alternatives)

## Summary

Compare 118 published alternatives to Zoto.

## Alternatives

| Name | URL | Tagline | Country | Rating |
| --- | --- | --- | --- | --- |
| Jemapay | /jemapay | Automated bill payments, airtime, and utility top-ups | Nigeria |  |
| Mavapay | /mavapay | API-based cross-border payments and payouts for Africa | Nigeria | 5 |
| 9PSB | /9psb | Digital banking, payments, and agent cash services in Nigeria | Nigeria |  |
| Awabah | /awabah | Health cover, pension, and insurance plans for informal earners | Nigeria |  |
| Basewallet | /basewallet | Send, receive, and manage money across Africa | Nigeria |  |
| Cardtonic | /cardtonic | Get virtual cards, trade gift cards, pay bills, and shop online | Nigeria |  |
| Gexipay | /gexipay | Pay bills, trade crypto, and convert airtime to cash | Nigeria | 5 |
| Nosh | /nosh | Trade gift cards, convert crypto, and pay bills in minutes | Nigeria | 4.5 |
| PawaPay | /pawapay | Collect and pay out mobile money across Africa with one API | Kenya |  |
| Renmoney | /renmoney | Unlock the power of finance. | Nigeria | 3 |
| Squareme | /squareme | Send money by phone number, pay bills, spend globally | Nigeria |  |
| Switch | /switch | International transfers and multi-currency accounts for Nigerians | Nigeria | 4 |
| HippoPay | /hippo-pay | One wallet for airtime, bills, subscriptions, and transfers | Nigeria | 3.7 |
| Vale | /vale | Save, invest, pay bills, and access loans in one app | Nigeria |  |
| BoundlessPay | /boundlesspay | Manage crypto and send money across borders from one app | Nigeria | 3 |
| doo! | /doo | Essential services via nearby Mobile Money agents | Côte d'Ivoire |  |
| Hook | /hook | Trade gift cards for instant Naira cash and pay bills | Nigeria |  |
| M-PESA Africa | /m-pesa-africa | Mobile money transfers and payments across African markets | Kenya |  |
| Penny | /penny | Manage money, payments, and insights inside WhatsApp | Nigeria |  |

## Related pages

- [Product page](/zoto)
- [Alternatives](/zoto/alternatives)
- [Reviews](/zoto/reviews)
- [Transparency](/zoto/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/zoto/alternatives?page=4)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)