# A vs AYA PAY Wallet

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.

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

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.

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.

## The numbers

| Metric | A | AYA PAY Wallet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (179 ratings)](https://appshunter.io/ios/app/a-pay/id1257337688/reviews) | **[4.3 (517 ratings)](https://appshunter.io/ios/app/aya-pay-wallet/id1485836756/reviews)** |
| Number of ratings | 179 | **517** |
| Positive reviews | **79.5% of reviews** | 51.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Monthly |
| Monetization | Free | Free |
| Size | 22 MB | 124 MB |
| Requires iOS | **8.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Zeb Reardon](https://appshunter.io/developer/1257337686) | [AYA Bank](https://appshunter.io/developer/1356605410) |

## What reviewers say

### A

[App page](https://appshunter.io/ios/app/a-pay/id1257337688)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 💰 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

**What reviewers complain about**

- 🔒 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

**Reported bugs**

- 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

**Requested features**

- 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


### AYA PAY Wallet

[App page](https://appshunter.io/ios/app/aya-pay-wallet/id1485836756)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*