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APIs

Budpay vs Onafriq

A verified, side-by-side comparison. Both records are status-checked by Wycord, so you are comparing what each actually offers today, not a stale listing.

Category
APIs
APIs
Type
Payments
Payments
Country
🇳🇬 Nigeria
🌍 Pan-African
Docs status
Docs live
Docs live
Licensing
Institutional only
Pricing
~1.5% domestic / transaction
Not listed
Verified
Verified
Verified
Last verified
10 Oct 2026
10 Oct 2026
Tags
payments, crypto, consumer
payments, pan-african, cross-border, mobile-wallet, disbursements
Summary
Consumer-first payment provider that also supports crypto payments. Growing fast; JS SDK only.
Formerly MFS Africa, Onafriq is a pan-African cross-border digital payments network connecting businesses to ~1 billion mobile wallets across 40+ African markets, offering collections, disbursements, card issuing/processing and agent banking. Developer portal is the former Beyonic API docs.

Budpay vs Onafriq at a glance

Budpay and Onafriq are both listed under Payments in Wycord's APIs index.

Budpay is based in Nigeria and Onafriq in Pan-African.

Both currently show the status "Docs live".

On access, Budpay is marked "No approval needed" and Onafriq "Institutional only".

Over the last 30 days Wycord's probes measured 100% uptime for Budpay (36 checks) and 100% for Onafriq (36 checks).

Average response time on live probes was 293 ms for Budpay and 323 ms for Onafriq.

Uptime and latency come from Wycord's own probes of each resource's website, documentation and repository, run every six hours.

How they differ

  • Access: Budpay, No approval needed; Onafriq, Institutional only.
  • Pricing: Budpay, ~1.5% domestic / transaction; Onafriq, Not listed.
  • Country: Budpay, Nigeria; Onafriq, Pan-African.
  • Average latency: Budpay, 293 ms; Onafriq, 323 ms.

Topics

Both are tagged: payments.

Only Budpay: crypto, consumer.

Only Onafriq: pan-african, cross-border, mobile-wallet, disbursements.

Common questions

Which has better uptime, Budpay or Onafriq?
They are level at 100% over the last 30 days.
Do Budpay or Onafriq need approval before use?
Budpay is marked "No approval needed" and Onafriq "Institutional only".
Is the documentation for Budpay and Onafriq working?
Both show "Docs live" at the last check.
Where are Budpay and Onafriq based?
Budpay is based in Nigeria; Onafriq is based in Pan-African.

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