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Grey vs M-Pesa

A side-by-side comparison of Grey and M-Pesa — how they pay, where they work, and who they are for.

	Grey Virtual USD, GBP, and EUR accounts for African freelancers - receive international payments and convert to loc… Visit	M-Pesa The mobile money system that runs East Africa - anyone with a SIM card can receive payments, and small busines… Visit
Type	Payment receiving like Payoneer	Payment receiving like Payoneer
Category	Payments	Payments
Vetted	No	No
Work from home	Yes	No
Fees	No account fees, FX conversion margin	Free deposits, tiered P2P and agent withdrawal fees
Withdraw via	Bank transfer, Mobile money	Cash agents, Bank transfer
Availability	Nigeria, Kenya, Ghana, Uganda + LatAm/Asia markets	Kenya + 7 African markets
Local to	Nigeria, Kenya, Ghana	Kenya, Tanzania
Founded	2020	2007
Headquarters	Middletown, United States	Nairobi, Kenya
Popularity	19 views · 0 likes	31 views · 0 likes