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M-Pesa Business

M-Pesa Business

Kenyan M-Pesa Merchant

VS

EFT Pay

South African Instant EFT

EFT Pay
Fees from
Custom vs 1.5-2%
Features

2 shared

1 unique to M-Pesa Business · 1 unique to EFT Pay
Regions

1 shared

Pay methods

1 shared

1 unique to M-Pesa Business · 5 unique to EFT Pay
On settlement

M-Pesa Business settles in Instant; EFT Pay settles in Same day. Verify directly with each provider before signing.

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Show full specs
4 features · 7 payment methods · 1 regions. We don't rank these — they're here for reference.
M-Pesa Business M-Pesa Business
EFT Pay EFT Pay
Quick Facts
Fees
Standard transaction rate
Custom
1.5-2%
Settlement
Time to receive funds
Instant
Same day
Founded
2007
2010
Headquarters
Kenya
Cape Town, South Africa
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
EFT Pay leads (6 vs 2)
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Digital Wallet Unique
—
✓
Eft Unique
—
✓
Mobile Money Unique
✓
—
Mobile Payment Unique
—
✓
Real Time Payments Unique
—
✓
Regions
Africa
✓
✓

M-Pesa Business is best when you...

Kenyan M-Pesa Merchant
Need Low Fees
Not available with EFT Pay
View M-Pesa Business

EFT Pay is best when you...

South African Instant EFT
Need Startup Friendly
Not available with M-Pesa Business
View EFT Pay

Frequently Asked Questions

What is the difference between M-Pesa Business and EFT Pay?
They share 1 payment method and 1 region. M-Pesa Business adds Mobile Money that EFT Pay does not list; EFT Pay adds Credit Card, Digital Wallet, EFT and 2 more that M-Pesa Business does not list; only M-Pesa Business offers Low Fees; only EFT Pay offers Startup Friendly.
Which is cheaper, M-Pesa Business or EFT Pay?
M-Pesa Business has custom pricing quoted on engagement; EFT Pay has published rates from 1.5-2%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use M-Pesa Business and EFT Pay?
M-Pesa Business lists 1 region and 2 payment methods; EFT Pay lists 1 and 6. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do M-Pesa Business and EFT Pay compare on integration and settlement?
both offer a sandbox; both support webhooks; M-Pesa Business settles in Instant, EFT Pay in Same day.

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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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