# Instapay Chips vs eZi Transact

The clearest difference is update cadence: eZi Transact at every 2 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, eZi Transact every 2 days. The most recent releases landed on October 8, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Instapay Chips | eZi Transact |
| --- | --- | --- |
| 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 2 days** |
| Monetization | Free | — |
| Size | 36 MB | 116 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) | [Ezi Remit PTY LTD](https://appshunter.io/developer/1784004967) |

## 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


### eZi Transact

[App page](https://appshunter.io/ios/app/ezi-transact/id6758919661)

**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 eZi Transact free?

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

### Do Instapay Chips or eZi Transact have ads?

Neither Instapay Chips nor eZi Transact shows ads.

### Which is updated more often, Instapay Chips or eZi Transact?

Instapay Chips ships an update monthly, and eZi Transact every 2 days. Most recently, Instapay Chips was updated on October 8, 2026 and eZi Transact on October 10, 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.*