# Instapay Chips vs Paysharp App

The clearest difference is update cadence: Paysharp App at fortnightly against Instapay Chips's monthly. 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, Paysharp App fortnightly. The most recent releases landed on November 2, 2026 and November 12, 2026 respectively.

## The numbers

| Metric | Instapay Chips | Paysharp App |
| --- | --- | --- |
| 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 | **Fortnightly** |
| Monetization | Free | — |
| Size | 36 MB | 43 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) | [PAC Holdings](https://appshunter.io/developer/1704466296) |

## 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


### Paysharp App

[App page](https://appshunter.io/ios/app/paysharp-app/id6473732395)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Instapay Chips free?

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

### Is Paysharp App free?

Paysharp App is free to download, with no in-app purchases.

### Do Instapay Chips or Paysharp App have ads?

Neither Instapay Chips nor Paysharp App shows ads.

### Which is updated more often, Instapay Chips or Paysharp App?

Instapay Chips ships an update monthly, and Paysharp App fortnightly. Most recently, Instapay Chips was updated on November 2, 2026 and Paysharp App on November 12, 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.*