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Ozow

Ozow

South African EFT

VS

BharatPe

Indian Merchant QR Payments

BharatPe
Fees from
1.5% or R1 minimum vs Free QR payments, lending interest varies
Features

1 shared

1 unique to Ozow · 2 unique to BharatPe
Regions

0 shared

1 unique to Ozow · 1 unique to BharatPe
Pay methods

1 shared

4 unique to Ozow · 4 unique to BharatPe
On settlement

Ozow settles in Same day; BharatPe settles in Instant. Verify directly with each provider before signing.

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Show full specs
4 features · 9 payment methods · 2 regions. We don't rank these — they're here for reference.
Ozow Ozow
BharatPe BharatPe
Quick Facts
Fees
Standard transaction rate
1.5% or R1 minimum
Free QR payments, lending interest varies
Settlement
Time to receive funds
Same day
Instant
Founded
2014
2018
Headquarters
Cape Town, South Africa
New Delhi, India
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
BharatPe leads (3 vs 2)
Enterprise Unique
—
✓
Instant Payout Unique
✓
—
Low Fees
✓
✓
Startup Friendly Unique
—
✓
Payment Methods
Bank Transfer Unique
✓
—
Bnpl Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Eft Unique
✓
—
Open Banking Unique
✓
—
Payment Link Unique
✓
—
Qr Code
✓
✓
Upi Unique
—
✓
Regions
Africa Unique
✓
—
Asia Unique
—
✓

Ozow is best when you...

South African EFT
Need Instant Payout
Not available with BharatPe
Want coverage in Africa
BharatPe doesn't cover this region
View Ozow

BharatPe is best when you...

Indian Merchant QR Payments
Need Enterprise
Not available with Ozow
Need Startup Friendly
Not available with Ozow
Want coverage in Asia
Ozow doesn't cover this region
View BharatPe

Frequently Asked Questions

What is the difference between Ozow and BharatPe?
They share 1 payment method and 0 regions. Ozow adds Bank Transfer, EFT, Open Banking and 1 more that BharatPe does not list; BharatPe adds Buy Now Pay Later, Credit Card, Debit Card and 1 more that Ozow does not list; Ozow also covers Africa; BharatPe also covers Asia.
Which is cheaper, Ozow or BharatPe?
Ozow has published rates from 1.5% or R1 minimum; BharatPe has published rates from Free QR payments, lending interest varies. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Ozow and BharatPe?
Ozow lists 1 region and 5 payment methods; BharatPe lists 1 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Ozow and BharatPe compare on integration and settlement?
both offer a sandbox; both support webhooks; Ozow settles in Same day, BharatPe in Instant.

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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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