Zenith Scan To Pay vs Nirra
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zenith Scan To Pay
This app allows users to make and receive payments using QR codes, eliminating the need for cash or physical cards. It supports payments at merchants displaying mVisa or Masterpass logos and offers secure sign-in options.
- Scan merchant QR codes for payment
- Generate and share QR codes to receive payments
- Touch-ID and Face-ID sign-in
- Self-service options
- Account and debit card registration
- Email and SMS transaction notifications
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Shop without cash or your card. Payments can be made anywhere, anytime whenever the mVisa or masterpass logos are displayed. Unique Features · Touch-ID Sign-in · Face-ID Sign-in · Self Service options Registration: · Account Number registration · Debit card registration. Payments · Make payments by scanning a merchant QR code or entering Merchant ID · Receive payments by generating and sharing the QR code Who Is The Scan To Pay App For? The Scan to pay app is designed for all bank’s customers. How Do I Get Started? Simply download the Zenith Scan To Pay mobile app from the app store and register as a customer. You will be required to create a 4- digit pin which will be used to complete your transactions. Can I Add Another Account Phone Number? Yes. You can add another account number by going to Settings >> View/Edit Profile >> Add Account Which Account Number Will Be Debited? The account number selected before you scan to pay. How Will I Know If A Transaction Is Successful? You will receive an email notification and an SMS notification on your registered phone number with the bank. The app will show an on-screen notification. Is There A Transaction Limit? Yes. The limit is N500, 000 per transaction How Will Dispute(s) Be Resolved On This Platform? Kindly contact ZenithDirect, our 24hr interactive contact center on +234-1-2927000, +234-1-292-7000, zenithdirect@zenithbank.com
Nirra
Instantly send and receive money, shop with installment payments, and apply for loans. Manage your finances and lifestyle needs all in one place.
- Instant money transfers
- Installment shopping
- Loan applications
- Receive money
- Pay bills
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Send and receive money to anyone instantly, shop and pay installmentally or apply for a loan on Nirra.
Screenshots
Verdict
The clearest difference is rating: Zenith Scan To Pay at 3.8 against Nirra's 2.3. Zenith Scan To Pay also leads on iOS requirement (9.3 vs 13.0). On price, review sentiment, ratings volume and update cadence 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.
Zenith Scan To Pay holds the better App Store score, 3.8 against 2.3. Both are backed by a comparable volume of ratings — 11 and 16 respectively. Written reviews split almost evenly too, at 0% and 0% positive.
Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.
| Parameter | Zenith Scan To Pay | Nirra |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (11 ratings) — better | 2.3 (16 ratings) |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 11 | 16 — better |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 9.3 — better | 13.0 |
| Further details — not scored | ||
| Size | 67 MB | 23 MB |
| Age rating | 4+ | 4+ |
| Developer | Zenith Bank PLC | Liberta Leasing Limited |
Customer experience
Zenith Scan To Pay
Nirra
In-app purchases
Zenith Scan To Pay
No in-app purchases
Nirra
No in-app purchases
Questions
Is Zenith Scan To Pay free?
Is Nirra free?
Which has better reviews, Zenith Scan To Pay or Nirra?
Do Zenith Scan To Pay or Nirra have ads?
Which is updated more often, Zenith Scan To Pay or Nirra?
Other comparisons
