KongaPay vs Upesa
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.
Upesa
This digital wallet provides affordable, instant, and borderless payments for individuals and businesses. Easily switch between currencies for seamless cross-border transactions, ideal for digital nomads, freelancers, importers, and merchants. Enjoy extremely cheap payments with an intuitive interface and access to digital dollars for business.
- Affordable, instant, borderless payments
- Seamless currency switching
- Digital dollar access for business
- Intuitive user interface
- Cross-border settlement
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Upesa is a digital wallet that allows individuals and businesses access to affordable, instant, and borderless payment. Users across Nigeria and supported countries can seamlessly switch to various supported currencies, making traveling and cross-border settlement easier and faster for digital nomads, freelancers, importers, and merchants by eliminating the constraints of dealing with varying payment or settlement schemes used across different countries. Some of the key benefits of the wallet include - Extremely cheap payment that rivals existing mobile money app - Intuitive UI for easy payment - Access to digital dollar for your business needs
Screenshots
Verdict
KongaPay and Upesa both sit at 4.4 stars, but that hides the real split: 100% of Upesa's written reviews are positive against 52% of KongaPay's. Upesa also leads on monetization model (free vs free with in-app purchases). KongaPay's advantage is ads (none vs shown) and ratings volume (149 vs 7). On price, rating, update cadence and in-app purchases 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.
On the App Store both sit at effectively the same score — 4.4 for KongaPay against 4.3 for Upesa. That said, the two scores are not equally well evidenced: KongaPay has 149 ratings behind it against 7, so its average is the more settled of the two. Written reviews are what separate them: 52% of KongaPay's written reviews are positive against 100% of Upesa's.
KongaPay ships an update fortnightly, Upesa every 2 weeks. Both last shipped on October 24, 2026.
| Parameter | KongaPay | Upesa |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (149 ratings) — better | 4.3 (7 ratings) |
| Positive reviews | 52.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 149 — better | 7 |
| Update frequency | Fortnightly | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.1 — better |
| Further details — not scored | ||
| Size | 103 MB | 94 MB |
| Age rating | 4+ | 17+ |
| Developer | Konga Online Shopping Limited | Utoken Limited |
Customer experience
KongaPay
Upesa
In-app purchases
KongaPay
No in-app purchases
Upesa
No in-app purchases
