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SterlingPay

SterlingPay

Online businesses that need cards, wallets and bank transfers in 150+ currencies, with settlement in EUR, GBP or USD.

VS

M-Pesa

African Mobile Money

M-Pesa
Fees from
Custom vs 1-3%
Features

0 shared

3 unique to SterlingPay · 2 unique to M-Pesa
Regions

0 shared

1 unique to SterlingPay · 1 unique to M-Pesa
Pay methods

1 shared

11 unique to SterlingPay · 4 unique to M-Pesa
On licensing

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Show full specs
5 features · 16 payment methods · 2 regions. We don't rank these — they're here for reference.
SterlingPay SterlingPay
M-Pesa M-Pesa
Quick Facts
Fees
Standard transaction rate
Custom
1-3%
Settlement
Time to receive funds
—
Instant
Founded
2026
2007
Headquarters
Vancouver, Canada
Nairobi, Kenya
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
SterlingPay leads (3 vs 2)
Instant Payout Unique
—
✓
Multi Currency Unique
✓
—
Recurring Billing Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
SterlingPay leads (12 vs 5)
Ach Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Faster Payments Unique
✓
—
Google Pay Unique
✓
—
Interac Unique
✓
—
M Pesa Unique
—
✓
Mobile Money Unique
—
✓
Open Banking Unique
✓
—
Qr Code Unique
—
✓
Sepa Unique
✓
—
Sepa Instant Unique
✓
—
Ussd Unique
—
✓
Wire Transfer Unique
✓
—
Regions
Africa Unique
—
✓
Global Unique
✓
—

SterlingPay is best when you...

Online businesses that need cards, wallets and bank transfers in 150+ currencies, with settlement in EUR, GBP or USD.
Need Multi Currency
Not available with M-Pesa
Need Recurring Billing
Not available with M-Pesa
Want coverage in Global
M-Pesa doesn't cover this region
View SterlingPay

M-Pesa is best when you...

African Mobile Money
Need Instant Payout
Not available with SterlingPay
Need Startup Friendly
Not available with SterlingPay
Want coverage in Africa
SterlingPay doesn't cover this region
View M-Pesa

Frequently Asked Questions

What is the difference between SterlingPay and M-Pesa?
They share 1 payment method and 0 regions. SterlingPay adds ACH, Apple Pay, Credit Card and 8 more that M-Pesa does not list; M-Pesa adds M-Pesa, Mobile Money, QR Code and 1 more that SterlingPay does not list; SterlingPay also covers Global; M-Pesa also covers Africa.
Which is cheaper, SterlingPay or M-Pesa?
SterlingPay has custom pricing quoted on engagement; M-Pesa has published rates from 1-3%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use SterlingPay and M-Pesa?
SterlingPay lists 1 region and 12 payment methods; M-Pesa lists 1 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do SterlingPay and M-Pesa compare on integration and settlement?
M-Pesa offers a sandbox, SterlingPay does not list one; M-Pesa supports webhooks; M-Pesa publishes a settlement time of Instant.

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