# NuPayGo vs Instapay Chips

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.

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

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

## The numbers

| Metric | NuPayGo | Instapay Chips |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/instapay-chips/id1402727891/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | — | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | — | Free |
| Size | 76 MB | 36 MB |
| Requires iOS | **12.4** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ALTECH NUPAY (PTY) LTD](https://appshunter.io/developer/631921496) | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) |

## What reviewers say

### NuPayGo

[App page](https://appshunter.io/ios/app/nupaygo/id1385990082)

**Features:** macOS Compatibility

**In-app purchases:** none


### Instapay Chips

[App page](https://appshunter.io/ios/app/instapay-chips/id1402727891)

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:** macOS Compatibility

**In-app purchases:** none


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