# MULTICAIXA Express vs PayPay AO

MULTICAIXA Express and PayPay AO both sit at 3.6 stars, but that hides the real split: 100% of PayPay AO's written reviews are positive against 32% of MULTICAIXA Express's. PayPay AO also leads on update cadence (every 3 weeks vs every 3 months). MULTICAIXA Express's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, rating, 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.

On the App Store both sit at effectively the same score — 3.6 for MULTICAIXA Express against 3.6 for PayPay AO. That said, the two scores are not equally well evidenced: MULTICAIXA Express has 150 ratings behind it against 19, so its average is the more settled of the two. Written reviews are what separate them: 32% of MULTICAIXA Express's written reviews are positive against 100% of PayPay AO's.

MULTICAIXA Express ships an update every 3 months, PayPay AO every 3 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | MULTICAIXA Express | PayPay AO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (150 ratings)](https://appshunter.io/ios/app/multicaixa-express/id1433675921/reviews) | **[3.6 (19 ratings)](https://appshunter.io/ios/app/paypay-ao/id1523253553/reviews)** |
| Number of ratings | **150** | 19 |
| Positive reviews | 32.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 112 MB | 68 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [EMIS, S.A](https://appshunter.io/developer/1433675470) | [CONECTANDO - SOCIEDAD3E PRESTADORA DE SERVICOS DE PAGAMENTOS, LDA](https://appshunter.io/developer/1617421364) |

## What reviewers say

### MULTICAIXA Express

[App page](https://appshunter.io/ios/app/multicaixa-express/id1433675921)

This app allows MULTICAIXA debit card users to perform various payment transactions available on the MULTICAIXA network. It provides a channel for convenient financial operations directly from your mobile device.

**Highlights:** Perform payment transactions, Utilize MULTICAIXA network, Debit card integration, Convenient mobile operations

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Excellent application
- 👍 Very good app
- 👍 Facilitates user life
- 👍 Top app in the country
- 👍 Great app

**What reviewers complain about**

- 🐛 Cannot insert codes
- 🐛 Cannot write codes
- 🐛 Cannot paste codes
- 🐛 App crashes during payments
- 🐛 FaceID stopped working

**Reported bugs**

- Cannot paste information for some services (e.g., phone top-ups)
- App does not recognize user number, prompts reinstallation
- Unable to enter accession code
- Slow customer service response
- Difficulty inserting confirmation codes (transaction/activation)

**Requested features**

- Add more color options
- Scan QR code for P2P transfer
- NFC payment option
- Link with TPA for physical store payments
- Add authentication by email and Google token


### PayPay AO

[App page](https://appshunter.io/ios/app/paypay-ao/id1523253553)

This app provides inclusive and fast mobile payment solutions for e-commerce in Africa. It allows users to easily pay for goods and services, transfer funds, and make withdrawals. Users can also register for a free account to send and receive payments.

**Highlights:** Mobile payment solutions, E-commerce payments, Fund transfers, Withdrawals, Secure payments, Free account registration

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

**In-app purchases:** none


## Frequently asked questions

### Is MULTICAIXA Express free?

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

### Is PayPay AO free?

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

### Which has better reviews, MULTICAIXA Express or PayPay AO?

PayPay AO is rated higher. MULTICAIXA Express averages 3.6 out of 5 from 150 ratings, while PayPay AO averages 3.6 from 19 ratings.

### Do MULTICAIXA Express or PayPay AO have ads?

PayPay AO shows ads; MULTICAIXA Express does not.

### Which is updated more often, MULTICAIXA Express or PayPay AO?

MULTICAIXA Express ships an update every 3 months, and PayPay AO every 3 weeks. Most recently, MULTICAIXA Express was updated on November 2, 2026 and PayPay AO on November 3, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*