Comparison

KBZPay Partner vs WavePay

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

Head to head
About

KBZPay Partner

This app allows users to assist customers with transactions and cash/payment needs. It also provides tools for managing merchant or agent accounts.

Highlights
  • Customer transaction assistance
  • Cash and payment handling
  • Merchant account management
  • Agent account management
  • Transaction tracking
Features
Read full description

KBZ Bank brings you the KBZPay Partner App - enabling you to assist your customers with their transaction and cash/payment needs and to help you manage your Merchant or Agent Account.

About

WavePay

This app facilitates digital payments for everyday needs, including sending money, scanning QR codes for purchases, topping up mobile credit, and paying bills. It offers secure transactions with PIN protection and a unique device login feature. Users can also link bank accounts and MPU cards for easy fund transfers.

Highlights
  • Send money via mobile number
  • Scan QR codes for instant payments
  • Mobile top-ups and pack purchases
  • Pay bills (internet, solar, insurance, loans)
  • Link bank accounts and MPU cards
  • Secure transactions with PIN and secret code
  • Cash-in/Cash-out via agent shops
Read full description

Fast, Easy and Safe Online payments - Myanmar's Leading Mobile Financial Service WavePay, Mobile wallet application by WaveMoney enabling the inclusion of all users into the digital payment ecosystem, riding on the largest network of ~60,000 agents and 200,000+ merchants. WavePay is one stop solution for all your payment needs: • Send money to your family and friends using mobile number, including to those who are not on WavePay APP • Scan QR code and make instant payments at grocery stores, medical shops, electronic shops, restaurants etc. • Top up or buy packs for your or your family and friends mobile. • Pay your bills easily – Internet, Solar, Insurance, MFI loans etc. • Link your bank or MPU cards and easily transfer funds in and out of the wallet easily. Safe and Secure payments • Protected with “One Wallet, One Device” (1W1D) feature that enables access of your account from only 1 device at any point of time, keeping your WavePay account safe & secure. • Set your PIN, which is a 4-digit number, It’s mandatory to set the PIN while creating your account and authorize all transactions using your PIN • Additional security of a 6-digit secret code for money transfer to people who are not on WavePay app. Money can be easily collected at the nearest WaveMoney agent shop by providing a transaction ID and 6-digit secret code Easy Cash-in and Cash-out services • Easily Cash-in or Cash-out at your near Wave agent shops; more than 60,000 agents across the country are at your service all the time • Link your bank accounts from our partner banks or any e-commerce enabled MPU cards for easily moving funds in and out of the wallet Easy Airtime top up and bill payments. • Top up or buy packs for your mobile and always stay connected with your loved ones. You can top up to any operator mobile number – ATOM, MPT, Ooredoo • Make your internet bill payments across 30+ providers including ATOM, Ooredoo, Myanmar Net, 5BB, Fortune, Mahar Net, WeLink, Myanmar APN etc. • Make your loan repayments across 40+ partners including – Aeon, Rent2Own, Early Dawn, Yoma Bank, Mahar Bawga,, Advans, Alliance, VisionFund etc. • Make your Insurance payments of Prudential, Manulife, Capital Taiyo, Young Insurance, KBZ MS General Insurance etc • Make your Solar bill payments of OV Solar, Solar Home, Sun King Solar • Make your healthcare and telehealth service payments of PunHlaing Hospitals, MyanCare, myDoctor, Health4U, T-Fitness etc. Fast and reliable payments at Online stores • Make your online shopping payments at Shop.com.mm, OwayFresh and many other trusted partners instantly using WavePay and avoid worries about cash on delivery. • Order your favorite food or groceries on FoodPanda and pay using the WavePay app Book Hotels & Tickets for Bus, Flights • Domestic or international; One-way or Round trip – Book your flight tickets on FlyMya, AirKBZ etc and make payments with your WavePay wallet. • Book online bus tickets - MMBus Ticket, Oway, AungSan, AungMinGalar, Mandalay Gate. Check seat availability & get real-time updates. • Book hotels before you travel – Memories Hotel, Memories Travel, Balloons Over Myanmar, etc. • Make hassle-free payments for your groceries, medicines, electronics and clothing purchases by scanning Wave QR at 200,000+ merchants. Contact Us • WaveMoney Call Centre is available every day 8 AM-10 PM to provide any assistance. Call 900 from ATOM Numbers (free) or 097900090000 for other operator numbers To become a business partner, agent? E-mail us at business@wavemoney.com.mm or call our call-center

Screenshots

KBZPay Partner4 screens
WavePay4 screens

Verdict

The call

The clearest difference is rating: WavePay at 3.8 against KBZPay Partner's 2.2. WavePay also leads on review sentiment (18% vs 2%) and ratings volume (1.8K vs 516). KBZPay Partner's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and device support 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.

ReceptionRating · Positive reviews · Number of ratings

WavePay holds the better App Store score, 3.8 against 2.2. Both are backed by a comparable volume of ratings — 516 and 1.8K respectively. Written reviews point the same way: 2% of KBZPay Partner's written reviews are positive against 18% of WavePay's.

UpkeepUpdate frequency

KBZPay Partner ships an update every 3 months, WavePay every 2 months. The most recent releases landed on October 17, 2026 and October 18, 2026 respectively.

Scorecard5 real differences · 5 level
KBZPay Partner versus WavePay: the parameters behind the verdict, then further details
ParameterKBZPay PartnerWavePay
PriceFreeFree
Rating2.2 (516 ratings)3.8 (1.8K ratings) — better
Positive reviews2.4% of reviews17.8% of reviews — better
Number of ratings5161.8K — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS1413.0 — better
Further details — not scored
Size196 MB135 MB
Age rating4+4+
DeveloperKanbawza Bank LimitedWave Money

Customer experience

KBZPay Partner

All ratings516 ratings
Positive28.5%
Neutral2.5%
Negative69.0%
Written reviews41 reviews
Positive2.4%
Neutral0.0%
Negative97.6%

WavePay

All ratings1,832 ratings
Positive65.7%
Neutral9.7%
Negative24.6%
Written reviews101 reviews
Positive17.8%
Neutral6.9%
Negative75.2%

User reviews

KBZPay Partner

From 516 App Store ratings

What we love

  • 👍 Easy to use interface
  • 💰 Convenient money transfer functionality
  • 📱 Multiple services (cash in/out, mobile topup, withdraw)

Room to improve

  • 🔒 Privacy and security breaches - customer data exposed
  • ❌ Account freezing without explanation or justification
  • ⚠️ Unethical practices - alleged support for military coup
  • 😤 Poor customer service and support
  • 🚫 Unreliable and untrustworthy service

WavePay

From 1.8K App Store ratings

What we love

  • 🚀 Fast and easy to use
  • 🔒 Secure payment system
  • 👍 Colorful and user-friendly UI
  • 💡 Device authorization feature

Room to improve

  • 🐛 App crashes and freezes
  • 🔒 Difficult account recovery process
  • 👎 Poor customer service
  • 💰 Deduction of remaining balance

Bugs and requests

KBZPay Partner

Reported bugs

6 issues
  • Face verification does not work properly
  • Get code button non-functional
  • App crashes and instability issues
  • Cannot withdraw from frozen accounts
  • Update/installation failures
Show 1 more
  • Jailbreak detection error message on compatible devices

Requested features

3 requests
  • Improve face verification feature accuracy
  • Fix get code button functionality
  • Enhance app stability and reduce errors

WavePay

Reported bugs

3 issues
  • App not supported on jailbroken/rooted devices
  • Incompatibility issues with newer iOS versions
  • Myanmar keyboard not working after updates

Requested features

4 requests
  • Allow NRC number for device authorization
  • Integrate with popular banks and services
  • Implement biometric login options
  • Improve transaction history and balance tracking

In-app purchases

None

KBZPay Partner

No in-app purchases

None

WavePay

No in-app purchases

Questions

Is KBZPay Partner free?
KBZPay Partner is free to download, with no in-app purchases.
Is WavePay free?
WavePay is free to download, with no in-app purchases.
Which has better reviews, KBZPay Partner or WavePay?
WavePay is rated higher. KBZPay Partner averages 2.2 out of 5 from 516 ratings, while WavePay averages 3.8 from 1.8K ratings.
Do KBZPay Partner or WavePay have ads?
WavePay shows ads; KBZPay Partner does not.
Which is updated more often, KBZPay Partner or WavePay?
KBZPay Partner ships an update every 3 months, and WavePay every 2 months. Most recently, KBZPay Partner was updated on October 17, 2026 and WavePay on October 18, 2026.

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