KongaPay vs 9jaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
KongaPay
This mobile wallet simplifies payments, transfers, and savings. It offers instant money transfers, bill payments, and tools for businesses. Earn rewards on savings and enjoy discounts on purchases.
- Instant money transfers
- Bill and subscription payments
- Savings with interest
- Loyalty rewards on balance
- Discounts on Konga.com
- Business tools for vendors
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KongaPay is Nigeria’s all-in-one mobile wallet designed to make payments simple, secure, and seamless from instant transfers to bill payments, savings, and business tools. KongaPay gives you total control of your money. What You Can Do With KongaPay: - Send & Receive Money Instantly: Transfer funds conveniently with high success rates and no failed transactions. - Pay Bills, Subscriptions & More: Settle airtime, data, electricity, and cable bills all in one tap. - Save with K-Save: Fix your income and grow your money effortlessly. Earning up to 24% per annum. - Loyalty Rewards: Earn 6% per annum on your wallet balance with no minimum balance. - Shop & Pay on Konga.com with Discounts: Get frequent discounts when you pay with KongaPay on Konga.com. It's smart and secure shopping. - Safe, Simple & Trusted: KongaPay is licensed by the Central Bank of Nigeria (CBN) and insured by - Go Pro Feature: Unlock tools made for small businesses, vendors, and freelancers: Request a POS terminal, create payment links to get paid via card, transfer, or USSD, track your inventory, and increase your daily transfer limits up to ₦25 million. Why Users Love KongaPay: . Fast and reliable transfers . Secure POS access for businesses . Easy-to-use interface for savings and spending . 24/7 customer support . Built for both personal and business needs Download KongaPay today and take complete control of your personal and business finances in one app.
9jaPay
Manage your finances with this comprehensive app. It offers budgeting, investing, banking, and bill payment features, simplifying your financial life. Secure transactions and easy money management tools are provided.
- Easy money management
- Bill payments
- Send and receive money
- Secure transactions
- Transfer scheduling
- Budgeting and investing
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Introducing the ultimate solution for managing your finances - 9jaPay! Take control of your financial future and experience unparalleled convenience, all in one powerful application. We've got you covered, from budgeting and investing to banking and bill payments. Say goodbye to juggling multiple apps and hello to simplicity and efficiency. Download now and embark on a journey to financial freedom! Why 9jaPay? 9jaPay is the ultimate app for managing your finances with ease. From secure and effortless payments to value-added services, our app provides a comprehensive suite of features to simplify your life. Our app offers an incredible array of features to make your life easier, including: * Easy money management tools * Bill Payments * Send and receive money easily * An array of payment options * Secure transactions * Transfer scheduling Make the switch to convenience in 3 easy steps: Open a FREE account - Download the app and set up your account for free – it only takes a few minutes. Fund your account - You can add money to your 9jaPay account by sending money directly from any bank account or receiving a P2P credit from friends using your unique username or payment links. Start Transacting - Whether you need to send money to loved ones, schedule a transfer, or move money quickly, 9jaPay has you covered. Experience financial convenience like never before. Banking Services are provided by Amegy Microfinance Bank, licensed by the Central Bank of Nigeria. Download the app now and get started. For more information, visit www.9japay.com. Need help? Please email us at support@9japay.com
Screenshots
Verdict
The clearest difference is rating: KongaPay at 4.4 against 9jaPay's 2.5. KongaPay also leads on review sentiment (52% vs 20%) and ratings volume (149 vs 10). 9jaPay's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
KongaPay holds the better App Store score, 4.4 against 2.5. That said, the two scores are not equally well evidenced: KongaPay has 149 ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 52% of KongaPay's written reviews are positive against 20% of 9jaPay's.
KongaPay ships an update fortnightly, 9jaPay every 5 weeks. Both last shipped on October 24, 2026.
| Parameter | KongaPay | 9jaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (149 ratings) — better | 2.5 (10 ratings) |
| Positive reviews | 52.0% of reviews — better | 20.0% of reviews |
| Number of ratings | 149 — better | 10 |
| Update frequency | Fortnightly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 103 MB | 134 MB |
| Age rating | 4+ | 4+ |
| Developer | Konga Online Shopping Limited | 9jaPay UK Limited |
Customer experience
KongaPay
9jaPay
In-app purchases
KongaPay
No in-app purchases
9jaPay
No in-app purchases









