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M-Pesa vs Orange Money
M-Pesa and Orange Money are both payment receiving platforms. Fees — M-Pesa: Free deposits, tiered P2P and agent withdrawal fees. Orange Money: Receiving free, tiered sending/cash-out fees by country.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- Fees — M-Pesa: Free deposits, tiered P2P and agent withdrawal fees. Orange Money: Receiving free, tiered sending/cash-out fees by country.
- Both pay out via Bank transfer. Only M-Pesa offers Cash agents. Only Orange Money offers Agent cash-out and ATM.
- M-Pesa is based in Kenya, Orange Money in France.
Which should you choose?
Choose M-Pesa if…
- You want to withdraw via Cash agents.
Choose Orange Money if…
- You want to withdraw via Agent cash-out and ATM.
Side by side
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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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Orange Money
A widely used African and MENA mobile-money service for receiving and sending money.
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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 | Free deposits, tiered P2P and agent withdrawal fees | Receiving free, tiered sending/cash-out fees by country |
| Withdraw via | Cash agents, Bank transfer | Agent cash-out, ATM, bank transfer |
| Availability | Kenya + 7 African markets | 17 countries Africa + Middle East |
| Local to | Kenya, Tanzania | Senegal, Ivory Coast, Mali, Morocco, Egypt |
| Founded | 2007 | 2008 |
| Headquarters | Nairobi, Kenya | Paris, France |
| Popularity | 54 views · 0 likes | 45 views · 0 likes |
Frequently asked questions
Which is cheaper, M-Pesa or Orange Money?
M-Pesa: Free deposits, tiered P2P and agent withdrawal fees. Orange Money: Receiving free, tiered sending/cash-out fees by country.
Where are M-Pesa and Orange Money available?
M-Pesa: Kenya + 7 African markets. Orange Money: 17 countries Africa + Middle East.