# Instapay Chips vs PayGate MAP

The clearest difference is update cadence: PayGate MAP at daily against Instapay Chips's monthly. PayGate MAP also leads on iOS requirement (13.5 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

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

Instapay Chips ships an update monthly, PayGate MAP daily. The most recent releases landed on August 16, 2026 and September 8, 2026 respectively.

## The numbers

| Metric | Instapay Chips | PayGate MAP |
| --- | --- | --- |
| 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 | Monthly | **Daily** |
| Monetization | Free | — |
| Size | 36 MB | 2 MB |
| Requires iOS | 15.6 | **13.5** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) | [3G DIRECT PAY HOLDINGS LIMITED](https://appshunter.io/developer/1456017874) |

## What reviewers say

### 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


### PayGate MAP

[App page](https://appshunter.io/ios/app/paygate-map/id1518226135)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Instapay Chips free?

Instapay Chips is free to download, with no in-app purchases.

### Is PayGate MAP free?

PayGate MAP is free to download, with no in-app purchases.

### Do Instapay Chips or PayGate MAP have ads?

Neither Instapay Chips nor PayGate MAP shows ads.

### Which is updated more often, Instapay Chips or PayGate MAP?

Instapay Chips ships an update monthly, and PayGate MAP daily. Most recently, Instapay Chips was updated on August 16, 2026 and PayGate MAP on September 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.*