# ZojaPay > Peer-to-peer financial inclusion app for cash access and bill payments. (iPhone/iPad app by Zoja Technologies Limited.) - Source: https://appshunter.io/ios/app/zojapay/id1638399129 (this page in markdown: same URL + `.md`) - Developer: [Zoja Technologies Limited](https://appshunter.io/developer/1637453081) - Category: Finance - Price: Free - Rating: 4.50/5 from 42 App Store ratings · 30 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 122 MB - Languages: American English - Released: 2022-10-31 - Data updated: 2026-08-26 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/zojapay/id1638399129/reviews.md ## What is ZojaPay? ZojaPay is a peer-2-peer financial inclusion application that simplifies payment by making access to cash easy for the retail market. ZojaPay currently does this by empowering the following transaction model: - Cash Request: Users can request fro cash to be delivered to their desired location at the same local rate obtainable for normal agency banking withdrawal. Requests are automatically paired with providers around the user's location for the delivery to be done - Fast Agency Setup: Users looking to make quick cash can easily switch to the cash provider mode and they instantly become a mobile money agent to be automatically paired to cash requests for delivery around their location. These users also get to keep 70% of all revenue made on each transaction as passive income. Starting up a POS mobile money agent has never been easier than this. - Bills: Users can purchase bills and settle utilities right from their app from our range of bills at very cheap and affordable rates. - Security: We have privacy policies in place that places the security of our users and their properties as top priority. - QR Pay: With this feature, users can easily generate and share fund via QR to facilitate payments, giveaways or any distant payment function. We currently have an ongoing referral promo where users can earn N100 on every user referred to download and use the app. You follow us on Facebook,Instagram, Twitter, LinkedIn and YouTube - @zojapay Privacy Policy: https://zojapay.com/privacy Terms & Conditions: https://zojapay.com/terms-and-condition ## Key features - Cash delivery requests - Become a mobile money agent - Earn passive income - Purchase and settle bills - QR code payments - Secure transactions ## Recent user reviews (10 of 30) All indexed reviews: https://appshunter.io/ios/app/zojapay/id1638399129/reviews.md ### 5/5 — Wow!!! *2023-08-31* Very fast and reliable ### 5/5 — Zojapay *2023-04-20* Good reviews. This app is a very swift and effective for money agents. Highly recommended. ### 5/5 — Review *2023-04-20* This is the best banking app ever, it’s so easy to and very convenient. Their services are fast and reliable and their customer care service is top notch. I recommend that everyone both young and old get this app on their phone and start using it . ### 5/5 — Best app *2023-04-14* I’m new here And I must say it a very good app to help use Kudos😌😌❤️ ### 5/5 — Zojay *2023-04-10* Accurate and fast ### 5/5 — Nice app *2023-04-04* I’m new to this app but all I can say so far is it’s really a nice app with good and friendly interface….. Kudos! ### 4/5 — Zojapay *2023-03-30* The app is legit Download the apps and thank me later🥰🥰🥰 ### 5/5 — Best app ever *2023-03-27* Zojapay is a very cool and effective retail app ever. Use it and thank me later ### 5/5 — 💯💯💯 *2023-03-18, version 0.0.16* Good reviews💯 ### 4/5 — Best App *2023-03-17* Best retail app for everyone. Highly recommendable to all!! Use and appreciate me later. Easiest for everyone to use and understand. ## Frequently asked questions about ZojaPay ### What does ZojaPay do? ZojaPay is a peer-to-peer financial inclusion application designed to simplify payments and provide easy access to cash for the retail market. It allows users to request cash delivery, become mobile money agents, and settle utility bills directly through the app. ### How can I earn money with ZojaPay? You can earn money by switching to the cash provider mode and becoming a mobile money agent. In this mode, you will be paired with cash requests for delivery around your location and will earn 70% of the revenue generated from each transaction as passive income. ### Is ZojaPay free to use? The application is free to download and use. While the description mentions an ongoing referral promo, it does not detail specific costs for transactions or services. However, the app does have ads. ### What are the security features of ZojaPay? ZojaPay prioritizes the security of its users and their properties. The app has privacy policies in place to ensure a secure environment for all transactions and user data. ### What types of payments can I make with ZojaPay? ZojaPay supports various payment methods, including requesting cash delivery to your location, making payments via QR codes for easy fund sharing, and purchasing bills to settle utilities at affordable rates. ## Version history (last 5 releases) ### 1.2.0 — 2026-07-31 Bug fixes and app improvements ### 1.1.7 — 2026-07-10 Bug fixes and app improvements ### 1.1.6 — 2026-07-04 Bug fixes and app improvements ### 1.1.5 — 2026-06-02 Bug fixes and app improvements ### 1.1.4 — 2026-05-11 Bug fixes and app improvements ## Apps similar to ZojaPay | App | Rating | Price | Category | | --- | --- | --- | --- | | [Pyyr](https://appshunter.io/ios/app/pyyr/id6444067868) | — | Free | Finance | | [Brassmoney](https://appshunter.io/ios/app/brassmoney/id1596263153) | 5.0 (3) | Free | Finance | | [Vybecash](https://appshunter.io/ios/app/vybecash/id1623204391) | 5.0 (2) | Free | Finance | | [KaboCash](https://appshunter.io/ios/app/kabocash/id6475054749) | — | Free | Finance | | [PennyTree](https://appshunter.io/ios/app/pennytree/id1602953102) | 3.7 (9) | Free | Finance | | [The Flip App](https://appshunter.io/ios/app/the-flip-app/id1641134087) | 5.0 (6) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*