Head-to-Head Specification Audit
Luno vs Termii
Businesses Accepting Crypto Payments · South Africa
Specification Matrix
| Metric | Luno | Termii |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 100 req/min | 500 req/minBetter |
| Target Country | South Africa | Africa |
| Category | Cryptocurrency Exchange | Communication APIs |
| Compliance (vendor-stated) | FSCA, FICA, POPIA | NDPA |
| Hosting Regions | ZA, EU | NG-Lagos |
| Native Integrations | 2 listed | 4 listedBetter |
Luno — Key Specs
Vendor-stated- ✓FSCA-registered in South Africa
- ✓ZAR on/off ramp
- ✓API for business accounts
- ✓Supports BTC ETH XRP USDC
- ✓Trusted by 10M+ users in SA
Termii — Key Specs
Vendor-stated- ✓SMS, OTP, and WhatsApp messaging API built for African networks
- ✓Highest delivery rates on African mobile networks vs global providers
- ✓Supports MTN, Airtel, Glo, 9mobile, Safaricom, and other African networks
- ✓OTP delivery optimised for low-bandwidth African mobile connections
Frequently Asked Questions
Which is lower-priced, Luno or Termii?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Luno and Termii list?+
Luno additionally lists FSCA, FICA, POPIA. Termii additionally lists NDPA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Luno or Termii list POPIA as a supported compliance framework?+
Luno lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Termii does not list POPIA as a supported compliance framework in its public documentation. Contact the vendor to confirm their position before processing South African personal information.
Which has a higher documented API rate limit — Luno or Termii?+
Termii has a higher documented API rate limit at 500 req/min versus Luno at 100 req/min.
Which data hosting regions do Luno and Termii support?+
Luno lists hosting regions: ZA, EU. Termii lists hosting regions: NG-Lagos. For data residency requirements in South Africa, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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