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Comparison

A vs AYA PAY Wallet

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

Head to head
A-Pay
A
Free
💰 Finance
★ 4.0179 ratingsView app →
AYA PAY Wallet
AYA PAY Wallet

AYA PAY

Free
💰 Finance
★ 4.3517 ratingsView app →
About

A

Earn cash back on your everyday purchases simply by signing up. No extra spending is required to receive rewards. A portion of your spending is automatically returned to you as cash back.

Highlights
  • Earn cash back on purchases
  • No additional spending required
  • Automatic cash back rewards
  • Easy sign-up process
Features
Read full description

All you have to do to earn cash back on everyday purchases is to sign up today with APay. By using APay you don't have to spend anything additional in order to earn amazing cash back. Simply use our products and a portion of your spending will automatically be given back to you as cash back in your wallet.

About

AYA PAY Wallet

This app simplifies everyday payments and money transfers. Easily top up mobile phones, cash in and out at agents or ATMs, and transfer funds to other wallets or unlinked accounts. It also facilitates bill payments and merchant transactions via QR codes.

Highlights
  • Mobile top-up for 5 networks
  • Cash in/out at agents and ATMs
  • Wallet to Wallet transfers
  • Bill payments
  • QR code payments
  • Transaction history
Features
Read full description

Subscriber App is an app of AYAPAY system that is designed to bring convenience payments and money transfers into your everyday life With the Subscriber App, you can: - Top up your mobile phone with 5 networks: MPT, Mytel, Ooredoo, Telenor, Mipec - Cash in your Wallet at Agents or by verified AYA bank account - Cash-out money at Agents or at ATMs - Simply transfer money to Wallets, to Unwallet by OTP/NRIC or request transfer to receive money - Easily bills payment at any time with 2 billers: Ananda, Canal+ - Quickly payment in Merchant stores by scanning QR code or accepting the payment request - Conveniently move money between Agent's Wallet and linked AYA bank account - Transaction management: review wallet balance, all transactions history over time and receive transaction notifications

Screenshots

A2 screens
AYA PAY Wallet4 screens

Verdict

The call

The clearest difference is review sentiment: A at 79% against AYA PAY Wallet's 52%. A also leads on update cadence (every 9 days vs monthly) and iOS requirement (8.0 vs 15.1). AYA PAY Wallet's advantage is rating (4.3 vs 4.0). On price, ratings volume, ads 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

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

AYA PAY Wallet holds the better App Store score, 4.3 against 4.0. Both are backed by a comparable volume of ratings — 179 and 517 respectively. Written reviews complicate that: 79% of A's written reviews are positive against 52% of AYA PAY Wallet's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

A ships an update every 9 days, AYA PAY Wallet monthly. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

Scorecard4 real differences · 6 level
A versus AYA PAY Wallet: the parameters behind the verdict, then further details
ParameterAAYA PAY Wallet
PriceFreeFree
Rating4.0 (179 ratings)4.3 (517 ratings) — better
Positive reviews79.5% of reviews — better51.8% of reviews
Number of ratings179517 — better
Update frequencyEvery 9 days — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS8.0 — better15.1
Further details — not scored
Size22 MB124 MB
Age rating4+4+
DeveloperZeb ReardonAYA Bank

Customer experience

A

All ratings178 ratings
Positive74.7%
Neutral3.4%
Negative21.9%
Written reviews78 reviews
Positive79.5%
Neutral0.0%
Negative20.5%

AYA PAY Wallet

All ratings505 ratings
Positive81.4%
Neutral4.0%
Negative14.7%
Written reviews56 reviews
Positive51.8%
Neutral3.6%
Negative44.6%

User reviews

A

From 179 App Store ratings

What we love

  • 💰 Earn cash back on everyday purchases
  • 🎯 Support local organizations while shopping
  • 👍 Easy to use interface once understood
  • 🏪 Access to hundreds of participating retailers
  • ⚡ Quick transaction processing in-store

Room to improve

  • 🔒 Requires credit card information to use
  • 🐛 Frequent app crashes and freezing
  • 😤 Poor customer service responsiveness
  • 🔄 Circular purchasing model (rewards only usable in-app)
  • 📧 Misleading marketing about discount accessibility

AYA PAY Wallet

From 517 App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast transactions
  • 🔒 Secure transactions
  • 💎 Points for exchange
  • 📱 User-friendly interface

Room to improve

  • 🐛 App crashes after update
  • 🐛 App not working on iOS
  • 🐛 Cannot click anything in app
  • 🐛 Blank screen for transfers
  • 🐛 Money gone but not received

Bugs and requests

A

Reported bugs

10 issues
  • App displays blank white screen
  • Login credentials stop working after initial access
  • Password reset emails never arrive
  • Alphabetical sorting doesn't function correctly
  • App continuously spinning/loading
Show 5 more
  • Unknown error messages during checkout
  • Double charging on transactions
  • Menu options unresponsive
  • Webpage also non-functional
  • Duplicate transactions processed

Requested features

6 requests
  • Alternative payment methods (PayPal, Apple Pay)
  • Ability to update personal information within app
  • Better sorting and filtering options
  • Option to use discounts without digital payment
  • Improved email notification system
Show 1 more
  • Direct customer service chat support

AYA PAY Wallet

Reported bugs

13 issues
  • App crashes after updating v3.3.4
  • Cannot click anything in app after entering
  • Bank to wallet and wallet to bank transfers not working (blank screen)
  • Cash in from bank to wallet fails, money lost
  • App logs out and remaining balance shows 0
Show 8 more
  • Unable to load software after update
  • App won't start if notifications are disabled
  • Cannot touch register button on iPhone X UI
  • Travel and Shopping features not available
  • Cannot add Aya account
  • NRC selection field missing options for KYC upgrade
  • App itself logs out while using other functions
  • No lock to open app

Requested features

3 requests
  • Add more options to level up account (e.g., Student ID)
  • Allow choice for update alerts (later or update)
  • Add Travel and Shopping features

In-app purchases

None

A

No in-app purchases

None

AYA PAY Wallet

No in-app purchases

Questions

Is A free?
A is free to download, with no in-app purchases.
Is AYA PAY Wallet free?
AYA PAY Wallet is free to download, with no in-app purchases.
Which has better reviews, A or AYA PAY Wallet?
AYA PAY Wallet is rated higher. A averages 4.0 out of 5 from 179 ratings, while AYA PAY Wallet averages 4.3 from 517 ratings.
Do A or AYA PAY Wallet have ads?
Neither A nor AYA PAY Wallet shows ads.
Which is updated more often, A or AYA PAY Wallet?
A ships an update every 9 days, and AYA PAY Wallet monthly. Most recently, A was updated on November 2, 2026 and AYA PAY Wallet on November 5, 2026.

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