NETinfoPAY vs Cardex
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
NETinfoPAY
Make fast, secure payments using your smartphone at physical stores and online. Manage your accounts, send and receive money instantly, and earn rewards on your purchases.
- Fast and secure smartphone payments
- In-store and online payment options
- Instant money sending and receiving
- Manage connected bank accounts
- Earn rewards and discounts
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NETinfoPAY enables you to perform fast, easy and secure payments with your smartphone. Simply download the app and create your account. You can pay for goods and services at any store with a NETinfoPAY terminal or when ordering online choose NETinfoPAY in the online checkout stage and earn rewards as you spend! View your cards and accounts all in one place and use the app to send and receive money instantly! • Pay at any store Pay at any store with a NETinfoPAY terminal. Hold your phone near the terminal and accept the payment request. • Pay Online Choose NETinfoPAY in the online checkout stage, enter your phone number and PIN and you will receive a push notification on your smartphone to approve the payment. • Send money and receive money instantly Send money to anyone by entering their phone number. If they do not have a NETinfoPAY account, we will notify them for you. • Manage your accounts You can connect and manage your bank accounts. View your accounts balance and history. Transfer money to and from your connected accounts. • Rewards system Enjoy exclusive benefits, offers and discounts! Earn NETinfoPAY points by making purchases at participating merchants or by completing challenges.
Cardex
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Pay in Naira directly from your multi-currency wallet with our virtual and physical cards. Suitable for global online payments and ATM withdrawals.
Screenshots
Verdict
The clearest difference is ads: NETinfoPAY at none against Cardex's shown. 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
NETinfoPAY ships an update every 3 weeks, Cardex every 2 weeks. The most recent releases landed on September 29, 2026 and October 6, 2026 respectively.
| Parameter | NETinfoPAY | Cardex |
|---|---|---|
| Price | Free | Free |
| Rating | 1.0 (1 ratings) — better | — |
| Number of ratings | 1 — better | — |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 13.4 |
| Further details — not scored | ||
| Size | 63 MB | 57 MB |
| Age rating | 4+ | 17+ |
| Developer | NETinfoPAY | FINTAVA TECHNOLOGY LIMITED |
In-app purchases
NETinfoPAY
No in-app purchases
Cardex
No in-app purchases









