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eSewa vs M-Pesa
eSewa and M-Pesa are both payment receiving platforms. Fees — eSewa: Most services free, bank withdrawal NPR 10. M-Pesa: Free deposits, tiered P2P and agent withdrawal fees.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- Fees — eSewa: Most services free, bank withdrawal NPR 10. M-Pesa: Free deposits, tiered P2P and agent withdrawal fees.
- Both pay out via Bank transfer. Only eSewa offers agent points. Only M-Pesa offers Cash agents.
- M-Pesa is the older platform — founded in 2007, 2 years before eSewa (2009).
- eSewa is based in Nepal, M-Pesa in Kenya.
Which should you choose?
Choose eSewa if…
- You want to withdraw via agent points.
Choose M-Pesa if…
- You want to withdraw via Cash agents.
Side by side
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eSewa
Nepal leading digital wallet where users receive payments and pay merchants.
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M-Pesa
The mobile money system that runs East Africa - anyone with a SIM card can receive payments, and small busines…
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | No | No |
| Fees | Most services free, bank withdrawal NPR 10 | Free deposits, tiered P2P and agent withdrawal fees |
| Withdraw via | Bank transfer, agent points | Cash agents, Bank transfer |
| Availability | Nepal | Kenya + 7 African markets |
| Local to | Nepal | Kenya, Tanzania |
| Founded | 2009 | 2007 |
| Headquarters | Kathmandu, Nepal | Nairobi, Kenya |
| Popularity | 37 views · 0 likes | 54 views · 0 likes |
Frequently asked questions
Which is cheaper, eSewa or M-Pesa?
eSewa: Most services free, bank withdrawal NPR 10. M-Pesa: Free deposits, tiered P2P and agent withdrawal fees.
Where are eSewa and M-Pesa available?
eSewa: Nepal. M-Pesa: Kenya + 7 African markets.