Pesapal vs Tyro

Pesapal is a payments company in East and Southern Africa that offers card and M-Pesa acceptance on POS machines, online payments and business loans. Tyro is an Australian payments company that supplies EFTPOS card terminals and a phone-based tap-to-pay option, plus online payments, business banking and accounting software. Both are listed under Payment Processing for Food Businesses. The main differences are in audience, platforms and countries covered.

Key differences

  • audience

    The audiences they list differ. Listed for one product only, for example: Pesapal: Restaurants and cafes in Kenya and East Africa that need M-Pesa and card payments; Tyro: Australian cafes, restaurants, bars, pubs and bakeries.

  • platforms

    They do not run on the same platforms. Pesapal: Web; Tyro: Web, iOS, Android.

  • countries covered

    On geography, Pesapal names 7 countries and Tyro names 1 country. No country appears in every list.

  • company background

    By founding year, Pesapal (2009) and Tyro (2003). Headquarters: Pesapal, Nairobi, Kenya; Tyro, Australia.

Side by side

Pesapal vs Tyro: side-by-side comparison from published vendor information
FieldPesapalTyro
What it isPesapal is a payments company in East and Southern Africa that offers card and M-Pesa acceptance on POS machines, online payments and business loans.Tyro is an Australian payments company that supplies EFTPOS card terminals and a phone-based tap-to-pay option, plus online payments, business banking and accounting software.
Best forRestaurants and cafes in Kenya and East Africa that need M-Pesa and card payments; Restaurants, bars and hotels running Oracle Simphony or OPERA; Restaurants that want online ordering with paymentsAustralian cafes, restaurants, bars, pubs and bakeries; Franchise networks in Australia
Pricing modelPercentage of salesPercentage of sales plus terminal rental
Starting priceNot publishedNot published
Free planNot publishedNo
Free trialNot publishedNot published
ContractNot publishedNo lock-in contract (per Tyro)
PlatformsWebWeb, iOS, Android
CountriesKenya, Malawi, Rwanda, Tanzania, Uganda, Zambia and 1 moreAustralia
LanguagesNot publishedNot published
Number of integrations9Not published
CertificationsPCI DSS, PCI compliantNot published
Security practices128-bit SSL in transit and 256-bit AES for stored data, Regulated by the Central Bank of KenyaNot published
Founded20092003
HeadquartersNairobi, KenyaAustralia
OwnerNot publishedNot published
Last reviewed29 September 202629 September 2026

Integrations

No partner appears in every list.

Named only by Pesapal

  • Compulynx
  • Fitbit Pay
  • Google Pay
  • Microsoft AMX
  • M-Pesa
  • Oracle Hospitality OPERA
  • Oracle Hospitality Suite8
  • Oracle Micros
  • Oracle Simphony/Micros RES

Named only by Tyro

Tyro does not name any integrations in the material we reviewed.

Which to choose

Pesapal

Choose Pesapal if you are in one of these groups: Restaurants and cafes in Kenya and East Africa that need M-Pesa and card payments; Restaurants, bars and hotels running Oracle Simphony or OPERA; Restaurants that want online ordering with payments.

Tyro

Choose Tyro if your business matches one of the audiences it is listed for: Australian cafes, restaurants, bars, pubs and bakeries; Franchise networks in Australia.

Less suited to: Businesses outside Australia. Tyro's pages describe its offer, support hours and customers as Australian.

What we could not confirm

Pesapal

  • Transaction rates, POS terminal prices or subscription fees (not published)
  • Contract term and renewal
  • Founders, funding and ownership
  • Interface languages
  • Restaurant POS integrations beyond the Oracle and named POS systems

Tyro

  • Currency name for the $ prices
  • Legal entity, registration and headquarters city
  • Funding
  • Security certifications
  • Interface languages
  • Full list of the 580+ POS partners

Go further

Pesapal profileTyro profile

Other comparisons with these products

Sources

Facts on this page come from the pages below. Prices and features change, so confirm with each vendor before you buy.

Tyro, reviewed 29 September 2026

  1. Hospitality features and integrationshttps://www.tyro.com/industries/hospitality/
  2. Pricinghttps://www.tyro.com/merchant-payment-costs/
  3. Terminals and intro offerhttps://www.tyro.com/payments/in-person/eftpos/
  4. POS partner listhttps://www.tyro.com/pos-partners/
  5. Franchise featureshttps://www.tyro.com/industries/franchises/
  6. Company history and sizehttps://www.tyro.com/about-tyro/
  7. Support hours and portalshttps://www.tyro.com/support/