Comparison

OK$ vs Wave Merchant

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

OK$

This app facilitates fast money transfers, bill payments, and mobile recharges. It allows users to shop online, share expenses with friends, and access local promotions. Easily send money to bank accounts or request funds from contacts.

Highlights
  • Fast money transfers
  • Bill payments
  • Mobile and DTH recharge
  • Scan QR code payments
  • Request money from friends
  • Access local promotions
  • Send money to bank accounts
Read full description

OK $: OK Dollar lets you do fast money transfers, get deals and payments on the go. Use wallet to recharge mobiles & DTH, buy movie tickets, share bills with friend, buy flowers, order pizza, shop online and do much more. You even do top up to all operators in Myanmar. We have come out with brand new features which is user friendly to mobile users in Myanmar. Make Payment: You can make a fast and easy payment to shopkeepers or merchants using Make Payment option. Enter a registered OK$ number, Enter amount to be paid, remarks click on Submit and make a easy payment. You can use Scan QR Code to simply scan the shop or merchant QR Code and make a payment. Pay Bill For: You can make use of these options to make payment to Toll, Entrance, Parking, Fuel, Restaurant, Hotel, Shop, Supermarket, Ferry, Train, Bus, Intercity Bus, Flight etc. You can enter the respective merchant number, amount, remarks if any and click Submit and can make a simple payment. Send Money To Bank: You can make use of this option to Send your OK $ money to your bank account. Select your bank, bank address, branch, enter account number, beneficiary number click Send and your OK $ money will get transferred to the bank account. Request Money: If you have very low balance and you need to make a very urgent payment, you can make use of request money option to request money from your friend. Simply click on request money option and enter your friend registered OK$ mobile number, enter amount, add attachments if any click on submit and send a request. We have request scheduler to schedule daily request. Promotions: If you want to know any promotion informations near by you or in other location you can make use of this option. Simply click Promotion, you will get displayed with a list of merchants who have promotions, select it and you can avail the promotion. Merchant Location: Using this option you can easily search the merchants in current location as well in other locations around Myanmar. Simply click Merchant Location, you will get displayed with a list of merchants select it and you can make a easy payment. Pay bill: This option made easy for people who go to EB office or Telephone or DTH office to pay bills by standing in queue. You can make use of this option to pay your bills online in simple one click. Add Money To Your OK $ Wallet: If you have low OK $ balance in your account, you can transfer real time money from your bank account to OK $ using this option. You can transfer money to OK $ wallet from your debit card, credit card, online banking, bank counter, OK $ agent. Top Up: You can top to your friends instantly using OK $ top up feature. We do top ups for Ooredoo, MPT, Telenor, Mectel both GSM and CDMA. You can also do data pack recharge and special offers to your friends. And to your own account number. Resale: This feature is introduced for the people who like to sell their main balance to OK $. You can simply enter the selling amount what you need to sell from your main balance. We will validate the amount and give you a best offer price to buy your main balance. Bill Splitter: You can make use of this option to share your bills with friends. Select number of persons to share bill, enter amount, add attachment, enter contact number and click Send. Notification: We notify user if any payment is done, payment is received, or the request received like bill splitter and request money. You can switch between the tabs and can respond to the request came for bill splitter or request money. Electricity Bill: You can make you Electricity Bill payments Online using OK $ App. Enter your Account Number, Meter Number, Amount and pay your monthly electricity bills easily.

About

Wave Merchant

This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.

Highlights
  • Dynamic QR code payments
  • Real-time transaction history
  • Business analytics
  • Bank settlement
  • Secure over-the-counter payments
Features
Read full description

Fast, Easy, and Safe Online Payments - Myanmar's Leading Mobile Financial Service. Introduced by Wave Money, the Wave Merchant app brings fast, easy, and secure over-the-counter payment solutions not only for merchants and shops to track each transaction and analyze financial data but also for customers to make payments easier and more convenient. The app includes the following features: Dynamic QR: Customers can now enjoy the most convenient "Scan and Pay" functionality. The cashier keys in the specific payment amount, and customers can effortlessly and conveniently complete their payment by scanning the Dynamic QR code provided by the Wave Merchant app. Real-Time Transaction History Detail & Analytics: Merchants receive real-time transaction notifications and gain access to detailed transaction information. Additionally, the app provides a business analytics tool, allowing merchants to view their total transactions, sales, average daily transactions, average daily sales, etc. Bank Settlement: Merchants can seamlessly settle payments to their linked bank accounts. The app facilitates both cashing into the linked bank account and cashing out from it.

Screenshots

OK$4 screens
Wave Merchant4 screens

Verdict

The call

The clearest difference is review sentiment: Wave Merchant at 100% against OK$'s 24%. Wave Merchant also leads on rating (4.2 vs 3.6). OK$'s advantage is update cadence (fortnightly vs every 4 months) and ratings volume (502 vs 10). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Wave Merchant holds the better App Store score, 4.2 against 3.6. That said, the two scores are not equally well evidenced: OK$ has 502 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 24% of OK$'s written reviews are positive against 100% of Wave Merchant's.

UpkeepUpdate frequency

OK$ ships an update fortnightly, Wave Merchant every 4 months. The most recent releases landed on September 19, 2026 and August 21, 2026 respectively.

Scorecard4 real differences · 6 level
OK$ versus Wave Merchant: the parameters behind the verdict, then further details
ParameterOK$Wave Merchant
PriceFreeFree
Rating3.6 (502 ratings)4.2 (10 ratings) — better
Positive reviews23.5% of reviews100.0% of reviews — better
Number of ratings502 — better10
Update frequencyFortnightly — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.013.0
Further details — not scored
Size224 MB69 MB
Age rating4+17+
DeveloperInternet Wallet Myanmar LimitedWave Money

Customer experience

OK$

All ratings480 ratings
Positive60.8%
Neutral8.8%
Negative30.4%
Written reviews85 reviews
Positive23.5%
Neutral3.5%
Negative72.9%

Wave Merchant

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

OK$

Reported bugs

17 issues
  • Login requires re-registration on every session
  • SMS OTP codes not received or incorrect codes sent
  • Device fingerprint system causes login failures
  • App crashes during gift card purchases
  • App crashes when selecting top-up amounts
Show 12 more
  • Transactions disappear from reports
  • SIM change false detection triggering re-verification
  • NRC number field validation errors
  • Address information not saving correctly
  • Form field validation issues
  • App crashes on meter bill payments
  • App crashes during phone bill transfers
  • Contact loading adds extra '0' at beginning
  • Password with special characters causes login failure
  • 4G connection errors
  • App won't launch on certain iOS versions
  • Myanmar keyboard defaults to English for passwords

Requested features

7 requests
  • Simplify user interface similar to KBZ Pay
  • Alternative login methods beyond SMS OTP
  • Support for all bank branches in transfers
  • Improved Myanmar language support
  • Better contact management for multiple numbers
Show 2 more
  • Fix brightness setting override behavior
  • Text replacement functionality in contact search

Wave Merchant

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

OK$

No in-app purchases

None

Wave Merchant

No in-app purchases

Questions

Is OK$ free?
OK$ is free to download, with no in-app purchases.
Is Wave Merchant free?
Wave Merchant is free to download, with no in-app purchases.
Which has better reviews, OK$ or Wave Merchant?
Wave Merchant is rated higher. OK$ averages 3.6 out of 5 from 502 ratings, while Wave Merchant averages 4.2 from 10 ratings.
Do OK$ or Wave Merchant have ads?
Neither OK$ nor Wave Merchant shows ads.
Which is updated more often, OK$ or Wave Merchant?
OK$ ships an update fortnightly, and Wave Merchant every 4 months. Most recently, OK$ was updated on September 19, 2026 and Wave Merchant on August 21, 2026.

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