# Instapay Chips vs TodaPayCard

The clearest difference is iOS requirement: TodaPayCard at 13.0 against Instapay Chips's 15.6. On price, update cadence, ads and in-app purchases 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, TodaPayCard every 3 weeks. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Instapay Chips | TodaPayCard |
| --- | --- | --- |
| 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 weeks** |
| Monetization | Free | — |
| Size | 36 MB | 24 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OMNEA PTY LTD](https://appshunter.io/developer/1244772972) | [Jefta Mugweni](https://appshunter.io/developer/1449444112) |

## 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


### TodaPayCard

[App page](https://appshunter.io/ios/app/todapaycard/id6788329215)

**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 TodaPayCard free?

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

### Do Instapay Chips or TodaPayCard have ads?

Neither Instapay Chips nor TodaPayCard shows ads.

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

Instapay Chips ships an update monthly, and TodaPayCard every 3 weeks. Most recently, Instapay Chips was updated on November 2, 2026 and TodaPayCard on November 5, 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.*