Comparison

NuPayGo vs Instapay Chips

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

Head to head
About

NuPayGo

Features
Read full description

Accept credit and debit cards anywhere, anytime using NuPayGO. From entrepreneurs to small and medium-sized businesses, use the NuPayGO app and fully compliant device to transact on the go. Full transactional reporting in app and via the merchant website. How to get started: • Go to NuPayGO.com to order your device • Download the NuPayGO app • Pair your device and you are ready to transact

About

Instapay Chips

Manage your daily finances with this app designed for South Africans. Send and receive money instantly, earn cashback, and track your spending. Split funds for savings and daily use, and create payment requests.

Highlights
  • Instant money transfers
  • Earn cashback
  • Get rewarded with airtime/data
  • Track earnings and spending
  • Split funds for savings
  • Create payment requests
Features
Read full description

InstaPay Chips is your all-in-one money app designed for everyday South Africans. Whether you're working full-time, earning per gig, or just managing your day-to-day expenses, InstaPay Chips gives you the tools to stay in control of your money — fast, simple, and secure. With InstaPay Chips, you can: • Send and receive money instantly — no bank account needed • Earn instant cashback at participating stores • Get rewarded with airtime and data • Track your earnings and manage spending with ease • Split your funds between savings and daily use • Create and share payment requests with friends, family, or customers Why InstaPay Chips? • 100% free to use • Fast, secure sign-up with just your ID • Built for everyone — from gig workers to everyday spenders • Spend smarter, save more, and take full control of your finances Want more features?
Upgrade to InstaPay Gini — our advanced app offering additional functionality, rewards, and even interest on your balance. Download InstaPay Chips now — and make every chip count.

Screenshots

NuPayGo4 screens
Instapay Chips4 screens

Verdict

The call

The clearest difference is iOS requirement: NuPayGo at 12.4 against Instapay Chips's 15.6. On price, update cadence, 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.

UpkeepUpdate frequency

NuPayGo ships an update every 6 weeks, Instapay Chips monthly. The most recent releases landed on October 29, 2026 and October 8, 2026 respectively.

Scorecard1 real difference · 9 level
NuPayGo versus Instapay Chips: the parameters behind the verdict, then further details
ParameterNuPayGoInstapay Chips
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—33.3% of reviews
Number of ratings—1 — better
Update frequencyEvery 6 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.4 — better15.6
Further details — not scored
Size76 MB36 MB
Age rating4+4+
DeveloperALTECH NUPAY (PTY) LTDOMNEA PTY LTD

In-app purchases

None

NuPayGo

No in-app purchases

None

Instapay Chips

No in-app purchases

Questions

Is NuPayGo free?
NuPayGo is free to download, with no in-app purchases.
Is Instapay Chips free?
Instapay Chips is free to download, with no in-app purchases.
Do NuPayGo or Instapay Chips have ads?
Neither NuPayGo nor Instapay Chips shows ads.
Which is updated more often, NuPayGo or Instapay Chips?
NuPayGo ships an update every 6 weeks, and Instapay Chips monthly. Most recently, NuPayGo was updated on October 29, 2026 and Instapay Chips on October 8, 2026.

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