Chipper Cash vs PayForMe
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Chipper Cash
Send and receive money instantly and for free across town or across Africa. This app facilitates fast, fee-free local transfers and offers competitive rates for cross-border transactions. It also allows for discounted airtime purchases and bill payments.
- Free local money transfers
- Low cross-border rates
- Buy discounted airtime with cashback
- Instant, fee-free bill payments
- Refer friends to earn cash
- Send and receive money instantly
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Send and receive money the fast, free and easy way. Transfer funds across town or across Africa, right from your mobile phone. What is Chipper Cash? Chipper Cash is a cross-border payments app, where over 3 million people send & receive money in and between Nigeria, South Africa, Ghana, Uganda, Rwanda, Tanzania, and now available in United Kingdom (UK). Enjoy free local transfers and the lowest cross-border rates. Chipper Cash is bringing Africa together, one transaction at a time. Everyday we “chip away” at the financial problems facing people across Africa & around the world. Send & Receive Money Just say no to massive fees or traveling to a bank or agent just to send and receive money. Instantly transfer between your accounts for free. Get paid faster, with zero fees! No-Fee Money Transfers Move your money between Chipper Cash and any bank, mobile money account absolutely free! Buy Discounted Airtime & Earn Cashback Purchase discounted Airtime and earn 2% or more CashBack instantly. Get Airtime for yourself, or send to a friend, even send it internationally! Pay Bills Instantly for Free Pay bills with no extra fees charged. Chipper Bill Pay is so easy, that you may even start paying your friend's bills. Bills are a hassle, Chipper is simple, easy and free. Earn with Chipper Earn cash by sharing Chipper with friends and colleagues. They get a cash bonus too. No limits! Pay Anyone / Get Paid, Instantly Run a business and need to pay local and international suppliers? Pay instantly with Chipper and save big on transaction fees. Shopping online for the perfect accessory, pay with Chipper and get those dream items without the nightmare fees. Studying abroad and need tuition and pocket money from home? Chipper saves your family money and you get the funds instantly. Stay informed Chipper is constantly expanding. Keep updated on the latest features, deals and countries Facebook / Instagram / Twitter: @chippercashapp Contact us at: team@chippercash.com
PayForMe
Easily track money lent and borrowed between friends. Manage multiple projects, view balances, and clear debts efficiently. Color-coding helps differentiate users for better organization.
- Track borrowed money
- Manage multiple projects
- View member balances
- Create and update bills
- Clear individual debts
- Color-coded user differentiation
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PayForMe is an app to track borrowing money between friends. It either uses Cospend on your Nextcloud instance or iHateMoney as a backend, and has the following features: - Show listed bills - Create new bills - Balance of project members - Handling several projects - Colorcodes to differentiate users - Update bills - Delete bills - Clearing debt of single members - Setting a default payer on a project basis
Screenshots
Verdict
The clearest difference is rating: PayForMe at 5.0 against Chipper Cash's 4.3. PayForMe also leads on review sentiment (82% vs 59%). Chipper Cash's advantage is update cadence (every 2 weeks vs every 4 months) and ratings volume (15K vs 2). 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.
PayForMe holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: Chipper Cash has 15K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 59% of Chipper Cash's written reviews are positive against 82% of PayForMe's.
Chipper Cash ships an update every 2 weeks, PayForMe every 4 months. The most recent releases landed on October 21, 2026 and October 5, 2026 respectively.
| Parameter | Chipper Cash | PayForMe |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (15K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 58.9% of reviews | 81.8% of reviews — better |
| Number of ratings | 15K — better | 2 |
| Update frequency | Every 2 weeks — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 167 MB | 4 MB |
| Age rating | 4+ | 4+ |
| Developer | Critical Ideas, Inc. | Jona Koenig |
Customer experience
Chipper Cash
PayForMe
Bugs and requests
Chipper Cash
Reported bugs
3 issues- Login screen freezes
- Virtual card issues
- Inconsistent app performance
Requested features
5 requests- Improved transaction history details
- Add physical card option
- Expand to more countries
- Introduce fixed savings accounts
- Allow cryptocurrency withdrawals
PayForMe
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Chipper Cash
No in-app purchases
PayForMe
No in-app purchases
