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Niobi

Niobi

African payments infrastructure for collections, payouts, and financial operations

VS

Malum Payments

Card-to-crypto payments

Malum Payments
Fees from
Custom vs 7% + $0.3
Features

6 shared

4 unique to Niobi · 1 unique to Malum Payments
Regions

2 shared

6 unique to Malum Payments
Pay methods

2 shared

5 unique to Niobi · 6 unique to Malum Payments
On licensing

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Show full specs
11 features · 13 payment methods · 8 regions. We don't rank these — they're here for reference.
Niobi Niobi
Malum Payments Malum Payments
Quick Facts
Fees
Standard transaction rate
Custom
7% + $0.3
Settlement
Time to receive funds
—
Instant to 7 business days
Founded
2023
2022
Headquarters
Nairobi, Kenya
Mahe, Seychelles
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Niobi leads (10 vs 7)
Crypto Support
✓
✓
Enterprise
✓
✓
High Risk Accepted Unique
—
✓
Instant Payout
✓
✓
Low Fees
✓
✓
Marketplace Support Unique
✓
—
Mobile Payments Unique
✓
—
Multi Currency Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly
✓
✓
Virtual Items Unique
✓
—
Payment Methods
Malum Payments leads (8 vs 7)
Bitcoin Unique
—
✓
Eft Unique
✓
—
Ethereum Unique
—
✓
Litecoin Unique
—
✓
M Pesa Unique
✓
—
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Sepa Unique
—
✓
Stablecoin Unique
✓
—
Swift Unique
✓
—
Usdc
✓
✓
Usdt
✓
✓
Visa Unique
—
✓
Regions
Malum Payments leads (8 vs 2)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Global
✓
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
South America Unique
—
✓

Niobi is best when you...

African payments infrastructure for collections, payouts, and financial operations
Need Marketplace Support
Not available with Malum Payments
Need Mobile Payments
Not available with Malum Payments
View Niobi

Malum Payments is best when you...

Card-to-crypto payments
Need High Risk Accepted
Not available with Niobi
Want coverage in Asia, Europe, Middle East, North America, Oceania, South America
Niobi doesn't cover these regions
View Malum Payments

Frequently Asked Questions

What is the difference between Niobi and Malum Payments?
They share 2 payment methods and 2 regions. Niobi adds EFT, M-Pesa, Mobile Wallet and 2 more that Malum Payments does not list; Malum Payments adds Bitcoin, Ethereum, Litecoin and 3 more that Niobi does not list; Malum Payments also covers Asia, Europe and 4 more; only Niobi offers Marketplace Support, Mobile Payments and 2 more.
Which is cheaper, Niobi or Malum Payments?
Niobi has custom pricing quoted on engagement; Malum Payments has published rates from 7% + $0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Niobi and Malum Payments?
Niobi lists 2 regions and 7 payment methods; Malum Payments lists 8 and 8. both cover Africa, Global. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Niobi and Malum Payments compare on integration and settlement?
both offer a sandbox; both support webhooks; Malum Payments publishes a settlement time of Instant to 7 business days.

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