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M-PESA vs Taptap Send

Both stand on peer-to-peer payment apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

M-PESA

Paid AndroidiPhone

M-PESA covers everyday mobile money, merchant payments, banking transfers, and international transactions through several channels. Users should check current rates and which channel supports their intended service.

Visit M-PESA

Taptap Send

Free plan AndroidiPhone

Taptap Send offers several payout methods and displays transfer costs and the recipient’s amount before confirmation. Check route availability, fees and applicable limits in the app before sending.

Visit Taptap Send

The facts

M-PESATaptap Send
Free planNot publishedYes
Open sourceNot publishedNot published
Runs onAndroid, iPhoneAndroid, iPhone
Lowest paid planFree or on requestFree or on request
Plans published11
MakerM-PESATaptap Send
Websitesafaricom.co.ketaptapsend.com
On peer-to-peer payment apps#21 of 24#17 of 24

M-PESA: what it does well

  • Send money to registered or unregistered numbers
  • Cash deposits through authorized agents
  • International transfers and Western Union pickup
  • Recipient verification with Hakikisha
  • Bank-to-wallet transfers

What to know first

  • Transaction charges vary by service and amount
  • Available channels vary by service
  • GlobalPay is app-only
  • Cash deposits require an original ID

Taptap Send: what it does well

  • Supports bank, mobile money, cash pickup and home delivery.
  • Shows fees, exchange rate and recipient amount before confirmation.
  • Available on Android and iOS.
  • Transfer tracking and scheduled transfers are listed.

What to know first

  • Fees and exchange-rate margins vary by route and amount.
  • Sending limits depend on verification level.
  • Destination providers may impose recipient-side limits.
  • Available methods depend on destination.

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