M-PESA vs TWINT

M-PESA8.9Visit TTWINT8.8Visit

Higher score M-PESA #5 in Mobile Payment Apps 8.9/10 Paid ✓ 0 of 5 features Visit M-PESA

vs

T TWINT #6 in Mobile Payment Apps 8.8/10 Free plan Free plan✓ 0 of 5 features Visit TWINT

• M-PESA fits best

  Mobile-money users needing cash access

• TWINT fits best

  Swiss peer and merchant payments

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Side by side

Feature	M-PESA 8.9/10 Visit ↗	TTWINT 8.8/10 Visit ↗
At a glance
Editor score	8.9	8.8
Ranking	#5 in Mobile Payment Apps	#6 in Mobile Payment Apps
Best for	Mobile-money users needing cash access	Swiss peer and merchant payments
Pricing model	Paid	Free
Starting price	Not checked yet	Free plan
Free plan	Not checked yet	✓ (best)
Free trial	—	—
Deployment	Mobile	Mobile
Platforms	iOS, Android	iOS, Android
Support	Email, Docs	Phone, Live chat, Docs
Built for	Solo, Small business, Mid-market, Enterprise	Solo, Small business
Features M-PESA 0/5 · TWINT 0/5
In-store payments	Not checked yet	Not checked yet
Peer transfers	Not checked yet	Not checked yet
Bill payment	Not checked yet	Not checked yet
QR payments	Not checked yet	Not checked yet
International transfers	Not checked yet	Not checked yet
Specs
Mobile platforms	Not checked yet	Not checked yet
Our review
Pros	Cash deposits and withdrawals through agents and selected ATMs Bills, merchant payments, airtime, data and scheduled payments International remittances to bank accounts and cash-pickup locations	Sends money to other TWINT users in real time Supports QR, online and in-app merchant payments Adds payment requests, recurring payments and loyalty features
Cons	Tied to Safaricom's mobile network and supported markets Fees vary by transaction band and service International transfers depend on selected services and destinations	Primarily serves Switzerland’s domestic payment network Some partner services, including certain withdrawals and parking, may cost extra Available through mobile apps, with no desktop deployment listed
Our verdict	M-PESA is Safaricom's mobile money platform for sending and receiving funds, paying bills and merchants, buying airtime and data, depositing cash, and withdrawing it. Customers can access the service through iOS and Android apps, USSD, SIM… Read the review →	TWINT is a mobile payment app from TWINT AG for people in Switzerland who want to pay participating merchants and move money among friends and family. The iOS and Android apps support sending, requesting and splitting payments, with… Read the review →

Strengths and trade-offs

• M-PESA — where it wins

  • Cash deposits and withdrawals through agents and selected ATMs
  • Bills, merchant payments, airtime, data and scheduled payments
  • International remittances to bank accounts and cash-pickup locations

  Where it doesn't

  • Tied to Safaricom's mobile network and supported markets
  • Fees vary by transaction band and service
  • International transfers depend on selected services and destinations

• TWINT — where it wins

  • Sends money to other TWINT users in real time
  • Supports QR, online and in-app merchant payments
  • Adds payment requests, recurring payments and loyalty features

  Where it doesn't

  • Primarily serves Switzerland’s domestic payment network
  • Some partner services, including certain withdrawals and parking, may cost extra
  • Available through mobile apps, with no desktop deployment listed

• M-PESA8.9/10 · Paid

  A broad mobile wallet for transfers, cash access, bills, merchants and remittances.

  Visit M-PESAFull verdict →
• TTWINT8.8/10 · Free plan

  A free mobile wallet for instant TWINT-to-TWINT payments and supported merchant checkout in Switzerland.

  Visit TWINTFull verdict →