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Xoldy

Xoldy

Italian B2B operators in automotive (vehicle registration agencies, driving schools, inspection centres), insurance intermediaries and complex multi-party networks that need pagoPA collection, POS acquiring and automated reconciliation and split of funds.

VS

Pesapal

East African Payments

Pesapal
Fees from
Custom vs 1.5%-3.5% per transaction
Features

0 shared

1 unique to Pesapal
Regions

0 shared

1 unique to Pesapal
Pay methods

3 shared

7 unique to Xoldy · 6 unique to Pesapal

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Show full specs
1 features · 16 payment methods · 1 regions. We don't rank these — they're here for reference.
Xoldy Xoldy
Pesapal Pesapal
Quick Facts
Fees
Standard transaction rate
Custom
1.5%-3.5% per transaction
Settlement
Time to receive funds
—
Next business day
Founded
—
2009
Headquarters
—
Nairobi, Kenya
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Pesapal leads (1 vs 0)
Startup Friendly Unique
—
✓
Payment Methods
Xoldy leads (10 vs 9)
Bank Transfer Unique
—
✓
Bill Payment Unique
✓
—
Credit Card Unique
—
✓
Debit Card
✓
✓
Google Pay Unique
—
✓
M Pesa Unique
—
✓
Maestro Unique
✓
—
Mastercard
✓
✓
Mobile Wallet Unique
—
✓
Nfc Unique
—
✓
Pagobancomat Unique
✓
—
Payment Link Unique
✓
—
Sepa Unique
✓
—
Sepa Direct Debit Unique
✓
—
Sepa Instant Unique
✓
—
Visa
✓
✓
Regions
Pesapal leads (1 vs 0)
Africa Unique
—
✓

Xoldy is best when you...

Italian B2B operators in automotive (vehicle registration agencies, driving schools, inspection centres), insurance intermediaries and complex multi-party networks that need pagoPA collection, POS acquiring and automated reconciliation and split of funds.
View Xoldy

Pesapal is best when you...

East African Payments
Need Startup Friendly
Not available with Xoldy
Want coverage in Africa
Xoldy doesn't cover this region
View Pesapal

Frequently Asked Questions

What is the difference between Xoldy and Pesapal?
They share 3 payment methods and 0 regions. Xoldy adds Bill Payment, Maestro, PagoBANCOMAT and 4 more that Pesapal does not list; Pesapal adds Bank Transfer, Credit Card, Google Pay and 3 more that Xoldy does not list; Pesapal also covers Africa; only Pesapal offers Startup Friendly.
Which is cheaper, Xoldy or Pesapal?
Xoldy has custom pricing quoted on engagement; Pesapal has published rates from 1.5%-3.5% per transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Xoldy and Pesapal?
Xoldy lists 0 regions and 10 payment methods; Pesapal lists 1 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Xoldy and Pesapal compare on integration and settlement?
Pesapal offers a sandbox, Xoldy does not list one; Pesapal supports webhooks; Pesapal publishes a settlement time of 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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