The Best Paychant Alternatives in Africa will be covered in this post, with a focus on leading platforms that provide quick, safe, and affordable digital payment options.
- About Paychant Alternatives?
- Why Look for Paychant Alternatives in Africa?
- Best Paychant Alternatives in Africa Points
- 10 Best Paychant Alternatives in Africa
- 1. Cryptomus Africa
- Pros & Cons Cryptomus Africa
- 2. Paga
- Pros & Cons Paga
- 3. WorldRemit Africa
- Pros & Cons Worldremit Africa
- 4. Cellulant Tingg
- Pros & Cons Cellulant Tingg
- 5. Eversend
- Pros & Cons Eversend
- 6. VALR Pay
- Pros & Cons VALR Pay
- 7. Luno Merchant Tools
- Pros & Cons Luno Merchant Tools
- 8. Sendwave Africa
- Pros & Cons Sendwave Africa
- 9. Kuda Business Pay
- Pros & Cons Kuda Business Pay
- 10. Bundle Africa Pay
- Pros & Cons Bundle Africa Pay
- Best Paychant Alternatives by Use Case
- Best for Crypto Payments
- Best for Mobile Money Transactions
- Best for Cross Border Payments & Remittances
- Best for SMEs and Start-ups
- Best for Scalable Business Integration
- Future of Digital Payments in Africa
- Conclusion
- FAQ
These alternatives, which range from cryptocurrency payments to mobile money and cross-border transfers, give people and companies dependable ways to handle transactions effectively.
Learn which platforms are best for you and why they are unique in Africa’s expanding fintech market.
About Paychant Alternatives?
Digital payment platforms that provide comparable or improved services to businesses and individuals throughout Africa are referred to as merchant alternatives. Secure internet payments, local bank transfers, mobile money transactions, and, occasionally, cryptocurrency payments are all made possible by these technologies.
Many consumers are looking for Paychant alternatives as Africa’s fintech ecosystem expands in order to take advantage of greater country coverage, quicker settlements, less transaction fees, and improved integration with regional payment systems.
With customizable APIs, robust security standards, regulatory compliance, and dependable customer service catered to Africa’s varied financial landscape, popular Paychant alternatives are made to serve e-commerce, freelancers, startups, and cross-border enterprises.
Why Look for Paychant Alternatives in Africa?
Limited Country Coverage: Paychant does not cover all of Africa, so large multi-country businesses incur Paychant processing fees with no value.
High Transaction Fees: Paychant users receive complaints of excessive fees, growing the demand for cheaper alternatives.
Slow Settlement Times: Slow transfer of funds to users causes cash flow problems for users, especially for micro businesses and freelancers.
Crypto and Payment Options: Paychant users look for alternatives for Ethiopia as they likely want to use the USD or ETH and there are crypto payment alternatives.
Scalability for Growing Businesses: Businesses suffering growing pains need transfer solutions to be more flexible with their APIs, integrations, and developer tools.
Regulatory and Compliance Needs: Alternatives have more local NDAs, more informal but regulated local KYC for onboarding, and integrations which safeguard the regulated data.
Best Paychant Alternatives in Africa Points
- Cryptomus Africa – Offers fast crypto payment solutions and fiat-to-crypto conversions across multiple African countries.
- Paga – A mobile money platform enabling easy payments, transfers, and bill payments in Nigeria and beyond.
- WorldRemit Africa – Specializes in low-cost international remittances and mobile money transfers across African countries.
- Cellulant Tingg – Provides integrated digital payments, mobile banking, and merchant solutions across Africa.
- Eversend – A multi-currency digital wallet supporting cross-border transfers, payments, and crypto services in Africa.
- VALR Pay – Focused on secure cryptocurrency trading and merchant payment solutions in Africa.
- Luno Merchant Tools – Enables businesses to accept cryptocurrency payments seamlessly across supported African markets.
- Sendwave Africa – A mobile app for instant, low-fee international remittances to African countries.
- Kuda Business Pay – Offers banking and payment solutions tailored for African SMEs and startups.
- Bundle Africa Pay – A social finance app providing crypto and fiat payment services across Africa.
10 Best Paychant Alternatives in Africa
1. Cryptomus Africa
Cryptomus is one of the better Paychant alternatives across Africa because of its well-suited blend of crypto and fiat payments.
Its almost seamless integration is well-suited for users needing flexible payment options, whether they be businesses or freelancers.
Unlike competitors, users can convert cryptocurrency instantly, and various local currencies are supported, leading to quick settlement at lower fees. Furthermore, the company’s API is one of the more easier to use in the market and is integrated into top e-commerce systems.
Security systems are also industry leading. Lastly, the company’s coverage across Africa is one of the most expansive in the market, and their customer service is arguably the most reliable.
| Feature | Details |
|---|---|
| Platform Name | Cryptomus Africa |
| Type | Digital payment & crypto gateway |
| Supported Payments | Crypto (BTC, ETH, others), Fiat-to-Crypto conversions |
| KYC Requirement | Minimal KYC for small transactions; full KYC for higher limits |
| Settlement Speed | Instant to few minutes depending on currency |
| Transaction Fees | Low and competitive |
| Integration | API for merchants and e-commerce platforms |
| Security | Encrypted transactions, two-factor authentication |
| Best For | Businesses, freelancers, SMEs, cross-border payments |
| Unique Point | Combines fiat and crypto payments with minimal KYC for ease of use |
Pros & Cons Cryptomus Africa
Pros:
- The platform provides the opportunity to transact in both cryptocurrency and fiat currencies, allows businesses to have greater flexibility.
- Transaction fees are lower and settlement is done immediately.
- Provides simple and easy API integration over e-commerce and financial service merchants.
Cons:
- Relatively more African users are not aware of the service compared to other more fintech service providers.
- Users are required to have some base knowledge of crypto currency to use the platform effectively.
- More comprehensive KYC is required for larger transaction volumes.
2. Paga
Paga is one of the first alternatives to Paychant in Nigeria and the largest in Africa with it extremely convenient and accessible mobile payment system. Users are able to send, receive money, make bank transfers, and pay bills from the comfort of their devices.
Unlike most others in Africa, Paga has made a remarkable impact in financial inclusion, extending digital payments access to the unbanked.
Businesses and individuals are able to make use of Paga costless convenient services offered from the mobile Application, transactions made are guaranteed to be processed and secured with Paga.
Paga is one of the most available and accessible alternatives to Paychant in Africa as a result of their large agent networks and low cost services offered to businesses.
| Feature | Details |
|---|---|
| Platform Name | Paga |
| Type | Mobile payment & money transfer platform |
| KYC Requirement | Tiered KYC — basic account with minimal info; higher tiers unlock more features and limits |
| Minimal KYC Details | Phone number, full name, email for basic account setup (Level 1) |
| Transaction Limits (Basic) | Up to ~₦50,000 daily (Level 1) depending on verification level |
| Balance Limits (Basic) | Up to ~₦300,000 (Level 1) |
| Supported Payments | Wallet transfers, bill payments, airtime top‑ups, merchant payments |
| Cross‑Border Remittances | Supported (requires higher KYC level) |
| Security | PIN verification, SMS/email transaction alerts |
| Best For | Everyday mobile payments, individuals & small merchants |
Pros & Cons Paga
Pros:
- Largest mobile money service providers in Nigeria and some other African countries.
- Provides easy account opening where KYC is not required for the opening of basic accounts to use the service.
- Service allows users to pay bills, transfer money to others and pay merchants.
Cons:
- The service is mostly limited to Nigeria and there are not many features to allow users to do cross-border transactions.
- Users who have basic KYC need to do more KYC in order to increase the volume of transactions they are allowed to do.
- Users of the service have complained that the app does not always work.
3. WorldRemit Africa
WorldRemit Africa is one of the best Paychant alternatives with secure, fast, and affordable cross-border remittance services particularly catering to the African market.
An of cross-border transfers to mobile wallets, bank accounts, and cash pick up in over a dozen African countries.
Unlike several remittance service providers, affordability is a priority. WorldRemit provides services with the lowest remittance costs on the market. The easy-to-use app and responsive support services make the process of sending or receiving payments very simple and quick, with solutions tailored to the needs of individuals and businesses.
This combination of features is a key factor to the growing reputation and trust of WorldRemit Africa for digital cash in payments and remittances.
| Feature | Details |
|---|---|
| Platform Name | WorldRemit Africa |
| Type | Digital international money transfer & remittance service |
| KYC Requirement | Identity verification required (ID and basic personal info) for account setup and transfers |
| Minimal KYC Details | Full name, date of birth, valid government ID (passport/ID card) |
| Supported Payments | Bank deposit, mobile money, cash pickup, airtime top‑up across many African countries |
| Transaction Speed | Minutes to a few hours depending on method and destination |
| Fees | Low to moderate fees with transparent pricing before sending |
| Security | Regulated, encrypted transfers with fraud prevention protocols |
| Best For | Cross‑border remittances, diaspora payments, mobile money transfers |
Pros & Cons Worldremit Africa
Pros:
- The service is able to send remittances to other countries and across Africa quickly, securely and within a short time.
- Users have several cassout options which includes mobile money, the funds can be transfered to a bank account, and the user can walk to a location to pick the cash.
- The service provides reasonable fees, and the user can get a more favorable rate of exchange when converting the funds to a different currency.
Cons:
- in order for users to do large transactions, they need to go through the KYC process completely.
- Service can be expensive when users are transferring a large amount of money.
- Not many options of serving businesses that need payment services.
4. Cellulant Tingg
Cellulant Tingg currently holds accolades as the leading Paychant competitor in Africa due to their ability to ease the complexities of multi-channel, multi-country payment systems.
Facilitating cross border payment services through their proprietary mobile banking, real-time bank, and merchant payment integrations, Tingg is truly one of a kind. With a focus on low costs and real-time client balances and settlements, their API is instantly scalable to accommodate online and offline business enhancements.
Also a top concern of Tingg and oft overlooked in the market, is the security and transaction compliance required to navigate the diverse and restrictive regulatory frameworks of the African banking systems.
Last but not least, is their reputation which is built on reliability, versatility and innovation. Recognizing all of the above, it is no wonder, Cellulant Tingg is the undisputed leader and preferred partner for countless traders and businesses.
| Feature | Details |
|---|---|
| Platform Name | Cellulant Tingg |
| Type | Digital payment and merchant platform |
| KYC Requirement | Minimal KYC for small transactions; full KYC required for higher limits |
| Minimal KYC Details | Phone number, full name, email for basic account setup |
| Supported Payments | Mobile money, bank transfers, merchant payments |
| Transaction Speed | Instant to a few minutes depending on payment type |
| Fees | Low and competitive |
| Integration | API for merchants and e-commerce platforms |
| Security | Encrypted transactions and secure authentication |
| Best For | Businesses, SMEs, cross-border payments, merchants |
| Unique Point | Combines mobile money, bank, and merchant payments in one seamless platform |
Pros & Cons Cellulant Tingg
Pros:
- Integration of mobile money, banking, and merchant payment options on one platform.
- Quick settlements with low transaction fees.
- Businesses can easily integrate with our scalable API.
Cons:
- Consumers are not aware of the product in several markets.
- Larger transaction limits require KYC compliance.
- Some functionality may not be as user friendly for smaller businesses.
5. Eversend
Eversend offers an advanced service in Africa that is an alternative to Paychant . It has a digital wallet service offering multi-currency and cross-border transfers and supports cryptocurrency payments.
The company’s one of a kind asset is helping users and companies manage their domestic and global transactions with ease by providing instantaneous conversions and charging a negligibly low fee for it.
The company offers a mobile app for Eversend that provides payments, airtime purchases, and the ability to pay bills, helping users and small and medium enterprises manage their transactions.
The company provides a scalable solution and has a strong security protocol and can complete transactions instantly with an African wide coverage, making it a strong candidate for companies looking for modern and flexible solutions.
| Feature | Details |
|---|---|
| Platform Name | Eversend |
| Type | Multi‑currency digital wallet & payment platform |
| KYC Requirement | Minimal KYC for basic wallet; full KYC for higher limits |
| Minimal KYC Details | Full name, phone number, email |
| Supported Payments | Wallet‑to‑wallet, bank transfers, mobile money |
| Transaction Speed | Instant to few minutes |
| Fees | Low and transparent |
| Currency Support | Multiple local and international currencies |
| Security | Encrypted transactions and secure login |
| Best For | Cross‑border transfers, multi‑currency payments, personal & business use |
Pros & Cons Eversend
Pros:
- Cross-border payments and multi-currency support.
- Transactions are instant and at low fees.
- Mobile wallet and management for both crypto and fiat.
Cons:
- Full KYC compliance is needed for higher limits.
- Less merchant uptake compared to larger platforms.
- Some users experience performance issues with the app.
6. VALR Pay
VALR Pay has emerged in Africa as an alternative to Paychant. They focus on quick and secure cryptocurrency payments and transfers as well as cryptocurrency payment solutions. Their competitive edge is integrated in crypto trading as well. VALR Pay allows clients to obtain crypto as well as other forms of payment.
They provide quick payment settlements, and pretty reasonable fees and emphasized on safety and security. They strike a nice balance of security and trading payment flexibility. VALR Pay allows clients to choose from a variety of different cryptocurrencies.
They are Ope to trading payments and flexible to a variety of different trading payment options. They strike a nice balance of security and trading payment flexibility. They are compliant, and have a focus on security and safety.
They focus on transparency as well as safety. They are open to currency payments, are flexible to a variety of different trading as well as payment options. These features make VALR Pay a premier crypto payment alternative on the continent.
| Feature | Details |
|---|---|
| Platform Name | VALR Pay |
| Type | Crypto payment & trading platform |
| KYC Requirement | Minimal KYC for basic transactions; full KYC for higher limits |
| Minimal KYC Details | Full name, email, phone number |
| Supported Payments | Cryptocurrency payments, fiat on‑ramp/off‑ramp |
| Transaction Speed | Instant to few minutes |
| Fees | Competitive and transparent |
| Currency Support | Multiple cryptocurrencies and select fiat currencies |
| Security | Secure login and encrypted transactions |
| Best For | Crypto payments, merchants, businesses exploring digital assets |
Pros & Cons VALR Pay
Pros:
- Compatible with several cryptocurrencies in addition to fiat payments.
- Transactions are secure and fast with quick settlements.
- Suitable for businesses and merchants who are crypto-inclusive.
Cons:
- Other business users may find it complex as it is crypto
- Coverage for fiat payments to African countries is limited
- Larger transactions require higher KYC compliance
7. Luno Merchant Tools
A popular Paychant substitute in Africa, Luno Merchant Tools is made to make it simple for companies to take bitcoin payments.
The smooth integration of cryptocurrency payments into current business operations, which enables merchants to receive Bitcoin, Ethereum, and other digital currencies in real-time, is its most notable feature. Luno Merchant Tools is perfect for companies wishing to enter the expanding cryptocurrency market since it offers safe, transparent, and inexpensive transactions.
It guarantees seamless payment processing with an easy-to-use dashboard, simple API connectivity, and strong fraud prevention. Luno Merchant Tools is a leading option for contemporary digital payments because of its emphasis on accessibility, scalability, and support for the African market.
| Feature | Details |
|---|---|
| Platform Name | Luno Merchant Tools |
| Type | Cryptocurrency payment solution for merchants |
| KYC Requirement | Minimal KYC for basic merchant setup; full KYC for higher limits |
| Minimal KYC Details | Business/individual name, email, phone number |
| Supported Payments | Bitcoin, Ethereum, other supported cryptocurrencies |
| Transaction Speed | Instant to few minutes |
| Fees | Low and transparent |
| Security | Encrypted transactions and secure authentication |
| Integration | Easy API integration for e‑commerce platforms |
| Best For | Merchants and businesses accepting crypto payments |
Pros & Cons Luno Merchant Tools
Pros:
- Payments can be made via Bitcoin, Ethereum and other cryptocurrency.
- Payments can be made quickly, and in a safe manner without excessive charges.
- Very simple API integration, especially for e-commerce and merchants.
Cons:
- Users must possess some crypto knowledge for effective use.
- Payment options in fiat currencies are sharply limited.
- Little market adoption in Africa in comparison to dominant mobile money platforms.
8. Sendwave Africa
Sendwave Africa is a top Paychant alternative because of its simplicity and low costs. The company provide fast and easy cross-border and international money transfer services. In particular, Sendwave excels in providing instant mobile transfers.
This is especially useful for both personal cross-border remittance and cross-border payments in businesses. Sendwave customers can have peace of mind knowing that they provide easy , affordable services by using transparent fees and competitive exchange rates.
Using the Sendwave mobile application, users can send and receive money safely. In addition, the company has an outstanding customer support team. Overall, Sendwave provides fast and affordable services and has an excellent reputation, making them the top alternative to Paychant.
| Feature | Details |
|---|---|
| Platform Name | Sendwave Africa |
| Type | International money transfer & remittance service |
| KYC Requirement | Minimal KYC for basic transfers; full KYC for higher limits |
| Minimal KYC Details | Full name, phone number, email |
| Supported Payments | Mobile money transfers, bank deposits |
| Transaction Speed | Instant to few minutes |
| Fees | Low and transparent |
| Security | Secure transactions and account protection |
| Best For | Fast cross‑border remittances and personal transfers |
Pros & Cons Sendwave Africa
Pros:
- Cross border transfers are instant and low cost.
- Transfers are mobile to mobile.
- App is user friendly.
Cons:
- Only works for remittance.
- Full KYC is needed to access higher limits.
- No support for businesses or merchant integrations.
9. Kuda Business Pay
Kuda Business Pay is a unique Paychant alternative in Africa focusing on small and medium business and sme startups. They are focusing on merging business banking with payments processing as they allow businesses to manage payroll, invoices and customers payments within one platform.
They offer instant local transfers, low cost and multiple users one account which provides efficiency on operational costs.
This is a business with unique focus on accessibility and affordability. They prioritize real business need and robust security with real time processing and tracking which seamless integrate with productivity tools. This payoff making it easier to seamlessly scale business. It best qualifies as Paychant alternative.
| Feature | Details |
|---|---|
| Platform Name | Kuda Business Pay |
| Type | Business banking & payment solution |
| KYC Requirement | Minimal KYC for basic business account; full KYC for higher limits |
| Minimal KYC Details | Business name, contact phone, email |
| Supported Payments | Local transfers, invoices, customer payments |
| Transaction Speed | Instant to few minutes |
| Fees | Low and competitive |
| Security | Secure login and encrypted transactions |
| Best For | SMEs, startups, small business financial operations |
Pros & Cons Kuda Business Pay
Pros:
- Designed for in particular SMEs and startups.
- Merges business banking and payment processing.
- Instant cheap local transfers.
Cons:
- Mostly focused on Nigeria.
- Higher tiers require full KYC.
- Some complex features are limited to business accounts.
10. Bundle Africa Pay
As far as I am aware Bundle Africa Pay is an alternative to Paychant in that it is multi-functioning and can also offer Cryptocurrency and fiat payment options that specifically targets the African continent.
What makes Bundle Africa Pay unique is the combination of payments in social finance, meaning customers can effortlessly send, receive and trade digital currency as well as fiat. Not only is it a great option for customers because of the friendly app, but the business are also recipients of time because of Bundle Africa Pay’s fast transaction speeds and low cost.
Bundle Africa Pay also goes a long way in providing digital payment options to the general public because of the extensive security, ease of integration for businesses and tiered pricing for customers. It is for these reasons that Bundle Africa is the best Paychant alternative.
| Feature | Details |
|---|---|
| Platform Name | Bundle Africa Pay |
| Type | Digital payments & crypto wallet |
| KYC Requirement | Minimal KYC for basic wallet; full KYC for higher limits |
| Minimal KYC Details | Full name, phone number, email |
| Supported Payments | Fiat transfers, crypto payments |
| Transaction Speed | Instant to few minutes |
| Fees | Low and transparent |
| Security | Encrypted transactions and secure login |
| Best For | Personal payments and small business transactions |
Pros & Cons Bundle Africa Pay
Pros:
- Supports transactions in both crypto and fiat.
- Mobile app is friendly for novices and small businesses.
- Payments are instant and low fee.
Cons:
- Larger enterprises have fewer merchant integrations.
- Higher limits require full KYC.
- Some crypto features are less user friendly.
Best Paychant Alternatives by Use Case
Best for Crypto Payments
- Luno Merchant Tools – Integrates crypto payments for businesses.
- VALR Pay – Fast settlements for multiple cryptocurrencies.
- Cryptomus Africa – Offers a combination of fiat-to crypto conversions with merchant payments.
Best for Mobile Money Transactions
- Paga – Enables mobile money transfers in Nigeria and Africa.
- Cellulant Tingg – Mobile money integration with other banks and merchant payments.
- Eversend – A digital wallet for multiple currencies which also supports mobile money.
Best for Cross Border Payments & Remittances
- WorldRemit Africa – Transfers money internationally in a matter of minutes.
- Sendwave Africa – Mobile-to-mobile transfers in various African nations.
- Eversend – Transfers in multiple currencies and allows conversions in real-time.
Best for SMEs and Start-ups
- Kuda Business Pay – Merges business banking and payment processing.
- Bundle Africa Pay – Offers service for businesses in both fiat and crypto.
Best for Scalable Business Integration
- Cryptomus Africa – Offers an API for e-commerce and enterprise.
- Cellulant Tingg – Offers a balanced solution for merchants and cross-border businesses.
Future of Digital Payments in Africa
Due to broad smartphone penetration, growing internet connectivity, and growing demand for cashless solutions, digital payments in Africa are expected to increase rapidly in the future.
Digital wallets, mobile money, and cryptocurrency payments are becoming commonplace, facilitating easy transactions for both consumers and companies.
Fintech developments and regulatory frameworks that promote financial inclusion are expected to facilitate faster and more affordable cross-border payments. Integration with blockchain technology, AI-powered financial tools, and e-commerce will also improve efficiency, security, and transparency.
All things considered, Africa’s digital payment environment is developing into a more technologically sophisticated, scalable, and accessible ecosystem.
Conclusion
In conclusion, Paychant alternatives are crucial for both individuals and enterprises since Africa’s expanding digital economy necessitates flexible, safe, and affordable payment solutions.
From cryptocurrency payments and mobile money transfers to cross-border remittances and SME banking solutions, platforms like as Cryptomus Africa, Paga, WorldRemit, Cellulant Tingg, Eversend, VALR Pay, Luno Merchant Tools, Sendwave, Kuda Business Pay, and Bundle Africa Pay provide distinct advantages.
Users can benefit from quicker settlements, reduced fees, and improved financial inclusion by selecting the best option based on transaction requirements, geographic coverage, and integration capabilities. Together, these platforms symbolize Africa’s future for smooth, cutting-edge digital payments.
FAQ
What are Paychant alternatives in Africa?
Paychant alternatives are digital payment platforms that offer similar or broader services, including online payments, mobile money, remittances, and crypto transactions tailored for African users.
Which Paychant alternative is best for accepting crypto payments?
Luno Merchant Tools, VALR Pay, and Cryptomus Africa are top choices due to secure crypto acceptance, fast settlements, and easy integration.
Can I use these alternatives for cross-border payments?
Yes — platforms like WorldRemit Africa, Sendwave Africa, and Eversend specialize in affordable, fast international and intra‑Africa transfers.
Which alternatives support mobile money in Africa?
Paga, Cellulant Tingg, and Eversend integrate widely with mobile money services across several African countries.
Are these alternatives suitable for small businesses?
Yes — Kuda Business Pay, Bundle Africa Pay, and Cryptomus Africa offer business‑friendly features like invoicing, payment acceptance, and scalable APIs.
