# Instapay Chips vs MyZaca

The clearest difference is update cadence: MyZaca at every 3 days 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, MyZaca every 3 days. The most recent releases landed on November 2, 2026 and November 8, 2026 respectively.

## The numbers

| Metric | Instapay Chips | MyZaca |
| --- | --- | --- |
| 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 | **Every 3 days** |
| Monetization | Free | — |
| Size | 36 MB | 40 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) | [MyZaca](https://appshunter.io/developer/1753891933) |

## 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


### MyZaca

[App page](https://appshunter.io/ios/app/myzaca/id6504799763)

**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 MyZaca free?

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

### Do Instapay Chips or MyZaca have ads?

Neither Instapay Chips nor MyZaca shows ads.

### Which is updated more often, Instapay Chips or MyZaca?

Instapay Chips ships an update monthly, and MyZaca every 3 days. Most recently, Instapay Chips was updated on November 2, 2026 and MyZaca on November 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.*