MTN Mobile Money (MoMo) is the African mobile wallet launched by MTN Group in 2016, headquartered in Johannesburg. Reaching 20+ countries and 60M+ users, it offers deposits, transfers, bill payments and international remittance via telecom networks and agents, plus MoMo API for merchants.
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M-Pesa, launched by Safaricom in Kenya in 2007, lets users send and receive money by phone without a bank account, serving 50M+ users across Africa as the continent's most influential mobile money infrastructure.
Airtel Money is the African mobile payment service launched by Airtel Africa in 2012, covering 15+ countries with over 40 million users. Backed by telecom networks and agents, it offers transfers, bill payments, QR payments and cross-border remittance for unbanked populations.