HesabPay vs Kaata
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
HesabPay
This app provides a secure digital wallet for instant financial transactions. It allows for seamless money transfers from various channels, bill payments, mobile top-ups, and worldwide cash withdrawals. It's accessible via a mobile app and USSD for feature phones.
- Instant money transfers from 20+ channels
- Bill payments for utilities and internet
- Mobile top-up services
- Worldwide cash withdrawals via agents
- USSD accessibility for feature phones
- Secure digital wallet
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Introducing HesabPay - Your Trusted Mobile Wallet HesabPay is the ultimate payment solution to pay anyone, anywhere and anytime - empowering you to create your own secure digital wallet instantly and providing you with instant access to a world of financial possibilities. Seamless Money Transfers: Say goodbye to long waiting times and complicated processes. HesabPay enables you to transfer money effortlessly from over 20 channels, including banks, cards, Apple Pay, Google Pay, Microsoft Pay, and even USDC. Experience the convenience of instant and hassle-free money transfers right at your fingertips. Beyond Mobile Payments: HesabPay goes beyond mobile payments. Paying bills has never been easier, as you can settle your utilities, internet, and other bills conveniently from within the app. Need to recharge your mobile? HesabPay has got you covered with seamless mobile top-up services. It's your one-stop solution for all your financial needs. Worldwide Cash Withdrawals: Need to withdraw cash? No problem! HesabPay offers the flexibility to withdraw money using any nearby HesabPay or MoneyGram agent. No matter where you are in the world, access cash easily and conveniently whenever you need. Mobile App Convenience: For smartphone users, our HesabPay mobile app provides a sleek and user-friendly interface that allows you to access all the features and services with just a few taps. Experience the full power of HesabPay's capabilities right on your smartphone, making financial transactions and managing your funds easier than ever before. USSD Accessibility: We haven't forgotten about feature phone users. With HesabPay's USSD support, even if you don't own a smartphone, you can still enjoy the benefits of a digital wallet. Simply dial the provided USSD code on your feature phone, and you'll have access to a wide range of financial services, including money transfers, bill payments, and cash withdrawals. Trusted and Secure: Rest assured knowing that your funds and personal information are safe with HesabPay. We utilize state-of-the-art security measures to protect your transactions and keep your data secure at all times. Join thousands of satisfied users who have embraced the financial freedom offered by HesabPay. Say goodbye to the limitations of traditional banking and embrace the convenience of an online digital mobile wallet. Download HesabPay today and experience a new era of financial accessibility and convenience!
Kaata
This digital ledger helps shopkeepers and individuals track money owed between trusted people. Record who owes you and what you owe, with automatic balance updates. Send payment reminders via WhatsApp directly from the app.
- Offline ledger functionality
- Automatic balance calculation
- Send WhatsApp payment reminders
- Record credit and payments
- Supports English and Dari languages
- Optional cloud backup
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Kaata is a simple digital kaata (ledger) for shopkeepers — and anyone who keeps track of money between people they trust. Write down who owes you and what you owe, and Kaata keeps a running balance for every person. You always know where you stand, without flipping through a paper notebook. WHY KAATA • Works offline — your ledger lives on your phone. No internet needed to add a customer or record a payment. • Simple and fast — add a person, record what they took or paid, and Kaata does the math. • Friendly reminders — send a customer a gentle WhatsApp reminder of their balance in two taps. • In your language — English and Dari. • Free. HOW IT WORKS • Add the people you deal with — customers, suppliers, friends. • Each time someone takes goods on credit or makes a payment, record it. Kaata updates the balance automatically. • See at a glance who you need to collect from and who you owe. • Tap to send a WhatsApp reminder with the balance — no awkward conversation needed. YOUR DATA, ON YOUR PHONE Your ledger is stored on your device. Sign in (optional) to back it up to the cloud and restore it on a new phone if you ever lose this one. You can delete your account and its data at any time from Settings. Kaata is a record-keeping tool. It is not a bank, a lender, or a payment service — it doesn't move money, lend money, or charge interest. It simply helps you remember who owes what. Made in Kabul.
Screenshots
Verdict
The clearest difference is rating: Kaata at 5.0 against HesabPay's 4.6. Kaata also leads on update cadence (every 5 days vs fortnightly). HesabPay's advantage is ratings volume (1.7K vs 1). On price, ads, in-app purchases and monetization model 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.
Kaata holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: HesabPay has 1.7K ratings behind it against 1, so its average is the more settled of the two.
HesabPay ships an update fortnightly, Kaata every 5 days. The most recent releases landed on October 20, 2026 and October 10, 2026 respectively.
| Parameter | HesabPay | Kaata |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (1.7K ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 79.8% of reviews | — |
| Number of ratings | 1.7K — better | 1 |
| Update frequency | Fortnightly | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.5.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 274 MB | 61 MB |
| Age rating | 4+ | 4+ |
| Developer | Zinzir Ltd | Abdul mujeeb Samadi |
Customer experience
HesabPay
Kaata
Bugs and requests
HesabPay
Reported bugs
4 issues- Login screen freezes
- App not working in certain regions
- Balance not showing correctly
- Face recognition feature not functioning properly
Requested features
4 requests- Add support for Binance and other crypto platforms
- Integrate with more local ISPs and utility providers
- Enable international payment options like PayPal
- Improve onboarding and location-based services
Kaata
Not enough reviews yet to summarise bugs or requests.
In-app purchases
HesabPay
No in-app purchases
Kaata
No in-app purchases









