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Chapa

Chapa

Ethiopian Payments

VS

ArifPay

Ethiopian Digital Payments

ArifPay
Fees from
From 2% per transaction vs Transaction-based
Features

1 shared

1 unique to ArifPay
Regions

1 shared

Pay methods

1 shared

3 unique to Chapa · 3 unique to ArifPay
On licensing

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Show full specs
2 features · 7 payment methods · 1 regions. We don't rank these — they're here for reference.
Chapa Chapa
ArifPay ArifPay
Quick Facts
Fees
Standard transaction rate
From 2% per transaction
Transaction-based
Settlement
Time to receive funds
1–3 hours
1–2 business days
Founded
2021
2021
Headquarters
Addis Ababa, Ethiopia
Addis Ababa, Ethiopia
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
ArifPay leads (2 vs 1)
Instant Payout Unique
—
✓
Startup Friendly
✓
✓
Payment Methods
Bank Transfer
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
M Pesa Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
✓
—
Visa Unique
—
✓
Regions
Africa
✓
✓

Chapa is best when you...

Ethiopian Payments
View Chapa

ArifPay is best when you...

Ethiopian Digital Payments
Need Instant Payout
Not available with Chapa
View ArifPay

Frequently Asked Questions

What is the difference between Chapa and ArifPay?
They share 1 payment method and 1 region. Chapa adds Credit Card, Debit Card, Mobile Money that ArifPay does not list; ArifPay adds M-Pesa, Mastercard, Visa that Chapa does not list; only ArifPay offers Instant Payout.
Which is cheaper, Chapa or ArifPay?
Chapa has published rates from From 2% per transaction; ArifPay has published rates from Transaction-based. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Chapa and ArifPay?
Chapa lists 1 region and 4 payment methods; ArifPay lists 1 and 4. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Chapa and ArifPay compare on integration and settlement?
both offer a sandbox; both support webhooks; Chapa settles in 1–3 hours, ArifPay in 1–2 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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