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SpicePay

SpicePay

Crypto-to-Fiat Merchant Settlement

VS

Niobi

African payments infrastructure for collections, payouts, and financial operations

Niobi
Fees from
1% vs Custom
Features

2 shared

1 unique to SpicePay · 8 unique to Niobi
Regions

0 shared

2 unique to SpicePay · 2 unique to Niobi
Pay methods

0 shared

2 unique to SpicePay · 7 unique to Niobi
On fees

SpicePay publishes 1% from. Niobi uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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Show full specs
11 features · 9 payment methods · 4 regions. We don't rank these — they're here for reference.
SpicePay SpicePay
Niobi Niobi
Quick Facts
Fees
Standard transaction rate
1%
Custom
Settlement
Time to receive funds
—
—
Founded
2017
2023
Headquarters
London, UK
Nairobi, Kenya
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Niobi leads (10 vs 3)
Crypto Support
✓
✓
Enterprise Unique
—
✓
High Risk Accepted Unique
✓
—
Instant Payout
✓
✓
Low Fees Unique
—
✓
Marketplace Support Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Virtual Items Unique
—
✓
Payment Methods
Niobi leads (7 vs 2)
Bitcoin Unique
✓
—
Crypto Unique
✓
—
Eft Unique
—
✓
M Pesa Unique
—
✓
Mobile Wallet Unique
—
✓
Stablecoin Unique
—
✓
Swift Unique
—
✓
Usdc Unique
—
✓
Usdt Unique
—
✓
Regions
Africa Unique
—
✓
Europe Unique
✓
—
Global Unique
—
✓
North America Unique
✓
—

SpicePay is best when you...

Crypto-to-Fiat Merchant Settlement
Need High Risk Accepted
Not available with Niobi
Want coverage in Europe, North America
Niobi doesn't cover these regions
View SpicePay

Niobi is best when you...

African payments infrastructure for collections, payouts, and financial operations
Need Enterprise
Not available with SpicePay
Need Low Fees
Not available with SpicePay
Want coverage in Africa, Global
SpicePay doesn't cover these regions
View Niobi

Frequently Asked Questions

What is the difference between SpicePay and Niobi?
They share 0 payment methods and 0 regions. SpicePay adds Bitcoin, Crypto that Niobi does not list; Niobi adds EFT, M-Pesa, Mobile Wallet and 4 more that SpicePay does not list; SpicePay also covers Europe, North America; Niobi also covers Africa, Global.
Which is cheaper, SpicePay or Niobi?
SpicePay has published rates from 1%; Niobi has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SpicePay and Niobi?
SpicePay lists 2 regions and 2 payment methods; Niobi lists 2 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SpicePay and Niobi compare on integration and settlement?
Niobi offers a sandbox, SpicePay does not list one; both support webhooks.

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