12 Best WorldRemit Alternatives & Competitors (2026)

PayPal enables online payments, invoicing and peer transfers with buyer protection features. Nigerian users can receive funds but face withdrawal restrictions to local banks. Versus SEND it provides wider merchant acceptance globally yet higher fees for domestic Naira transactions.

PayPal is a widely recognized payments platform offering checkout, invoicing, and merchant accounts with strong consumer trust. It provides simpler setup than Stripe for small businesses but offers fewer developer APIs and less flexible billing infrastructure for complex SaaS or platform models. Pricing is transaction-based with higher fees at scale.

Remitly specializes in remittances to Africa and other emerging markets with options for bank deposit, cash pickup, or mobile wallet delivery. It emphasizes speed and promotions for first-time users. Unlike Afriex, Remitly focuses more narrowly on person-to-person transfers rather than offering virtual USD/GBP/EUR accounts or credit building, making it less versatile for receiving global payments.

Wise offers multi-currency accounts and low-fee international transfers with transparent mid-market exchange rates. It supports Naira deposits and withdrawals for Nigerian users seeking global reach. Compared to SEND, Wise focuses more on cross-border moves than local bill payments and typically charges lower margins on large transfers.

OPay combines digital banking, transfers, bill payments and investments in one Nigerian app with strong agent support. It offers higher interest on savings than SEND and broader everyday utility for retail users.

Western Union specializes in cash pickup remittances with thousands of agent locations worldwide. It supports both inbound and outbound transfers from Nigeria. SEND is more app-centric while Western Union emphasizes physical cash options and established trust for urgent international sends.

Revolut provides multi-currency accounts, debit cards, and international transfers at interbank rates with additional features like crypto and stock trading. It has growing support for African transfers. Versus Afriex, Revolut offers more investment options and broader European features but may not emphasize the same speed or low fees specifically for African recipients.

Flutterwave provides payment infrastructure for businesses including collections, payouts and card processing across Africa. SEND is consumer-oriented while Flutterwave excels at merchant integrations and cross-border settlements for companies.

Paystack powers online payments and transfers mainly for Nigerian businesses with developer-friendly APIs. SEND targets individuals while Paystack is built for merchants needing reliable collections and settlement tools.

MoneyGram focuses on fast cash pickup and bill payment services across Africa and globally. It supports both online and in-person transfers. In contrast to Afriex, MoneyGram prioritizes extensive agent networks over digital account features such as virtual USD/GBP/EUR accounts or credit building.