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M-Pesa Business

M-Pesa Business

Kenyan M-Pesa Merchant

VS

Hubtel

Ghanaian Commerce Platform

Hubtel
Fees from
Custom vs 1.95% per transaction for merchants (fees vary by payment method)
Features

0 shared

3 unique to M-Pesa Business · 1 unique to Hubtel
Regions

1 shared

Pay methods

2 shared

3 unique to Hubtel

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Show full specs
4 features · 5 payment methods · 1 regions. We don't rank these — they're here for reference.
M-Pesa Business M-Pesa Business
Hubtel Hubtel
Quick Facts
Fees
Standard transaction rate
Custom
1.95% per transaction for merchants (fees vary by payment method)
Settlement
Time to receive funds
Instant
Next business day
Founded
2007
2005
Headquarters
Kenya
Accra, Ghana
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
M-Pesa Business leads (3 vs 1)
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
Hubtel leads (5 vs 2)
Bank Transfer
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Mobile Money
✓
✓
Pos Unique
—
✓
Regions
Africa
✓
✓

M-Pesa Business is best when you...

Kenyan M-Pesa Merchant
Need Enterprise
Not available with Hubtel
Need Instant Payout
Not available with Hubtel
View M-Pesa Business

Hubtel is best when you...

Ghanaian Commerce Platform
Need Startup Friendly
Not available with M-Pesa Business
View Hubtel

Frequently Asked Questions

What is the difference between M-Pesa Business and Hubtel?
They share 2 payment methods and 1 region. Hubtel adds Credit Card, Debit Card, POS that M-Pesa Business does not list; only M-Pesa Business offers Enterprise, Instant Payout and 1 more; only Hubtel offers Startup Friendly.
Which is cheaper, M-Pesa Business or Hubtel?
M-Pesa Business has custom pricing quoted on engagement; Hubtel has published rates from 1.95% per transaction for merchants (fees vary by payment method). 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 Hubtel?
M-Pesa Business lists 1 region and 2 payment methods; Hubtel lists 1 and 5. 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 Hubtel compare on integration and settlement?
both offer a sandbox; both support webhooks; M-Pesa Business settles in Instant, Hubtel in Next business 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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