Sebpay vs NoteHouse

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Sebpay compared with NoteHouse
Detail	Sebpay	NoteHouse
What it does	Simplified African payment collection and payouts through Mobile Money and APIs	Private lending software that drafts promissory notes, computes schedules, tracks payments, and keeps both parties on one ledger
Stage	Not given	Startup
Founded	Not given	2026
Based in	BJ	US
Pricing model	Paid	Freemium
Pricing	Pay-in fees from 2.5%, payout fees from 0.5%. Country-specific rates vary: Benin (2.7% pay-in, 1.9% payout), Burkina Faso (3.5-4% pay-in, 2.5% payout), Côte d'Ivoire (2.5% pay-in, 2% payout), Cameroon (3.5% pay-in, 2.5% payout), Congo-Brazzaville (4.5% pay-in, 0.5% payout), Kenya (2.5% pay-in, 2% pa	Free plan: $0, up to 2 open loans. Standard plan: $12 per month or $120 per year, unlimited open loans.
Key features	Pay-in collection across 21 African countries with 14+ mobile money operators Payout functionality to mobile money and bank accounts Payment links shareable via WhatsApp, email, or SMS QR code generation for in-store or event payments Real-time webhook notifications for transaction status updates OpenAPI documentation and free sandbox environment 24/7 customer support in French and English with 2-hour response target Settlement and automated fund routing to wallets or bank accounts Multi-account types for individual users, businesses, and crypto payments	Promissory note generation from loan terms Amortization schedule computation Payment confirmation by both parties E-signature with document hashing Payment reminders before due dates Bank debit collection on Standard plan Loan modification and forgiveness agreements Write-off record for unpaid loans
What makes it different	Fast production deployment with sandbox and instant webhooks Quick fund withdrawals with no withdrawal fees Support available 24/7 in French with rapid response times KYC verification completed in 24-48 business hours	Append-only, hash-chained ledger that cannot be secretly altered Never holds funds or acts as a financial institution Legally-structured promissory notes with all required terms
Free plan	Not given	Not given
Open source	Not given	Not given
Platforms	Not given	Not given
Public API	Not given	Not given
Community votes	0	0
DR (Domain Rating by Ahrefs)	4 no change since last check	Not checked yet no change since last check
Trust Flow (Majestic)	0	1
Citation Flow (Majestic)	14	22
Referring domains (Majestic)	2	7

6 details filled in for both companies.

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