Comparison

AFi Payments vs Softmasters PayDirect

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

AFi Payments

Facilitate quick and affordable business payments within Africa. Send, receive, and request commercial transactions using various payment methods. Track finances and build a digital credit footprint.

Highlights
  • Send and receive commercial payments
  • Request payments from clients
  • Use debit/credit cards, bank accounts, mobile money
  • Track all financial activities
  • Build digital financial footprint
  • Secure encryption and fraud monitoring
Features
Read full description

AFi is a fast, easy and cheap way to send and receive commercial payments to, from, and within Africa. You can use AFi in: - Ghana: AFi is licensed by Bank of Ghana. Use AFi to: - make your business and commercial payments in 1-2 minutes using debit & credit cards, bank and mobile money accounts - request payments for your clients and business partners - track all your financial activities in one place - build your digital financial footprint for credit-worthiness assessment AFi is safe and secure: - comprehensive pre-approval screening to keep out the fraudsters - password protection with automatic logout to prevent unauthorized access - secure encryption technology to reduce hacking and account takeover - transaction monitoring to reduce fraud We want to hear from you: - Please send us your feedback, questions and concerns - Email: general@afipayments.com or support@afipayments.com - Call or text us: +233 54 332 0217 - Reach out on social media: @afipayments

About

Softmasters PayDirect

This app consolidates payments, banking, shopping, and business services into a single, secure digital platform. Users can send and receive money, pay bills, shop from merchants, and manage transactions in real time for a convenient financial experience.

Highlights
  • Send and receive money securely
  • Pay utility and service bills
  • Shop from trusted merchants
  • Access banking services
  • Manage payments in real time
  • Secure account access
Features
Read full description

PayDirect is a secure digital platform that brings payments, banking, shopping, and business services together in one convenient mobile application. With PayDirect, individuals and businesses can send and receive money, pay utility and service bills, shop from trusted merchants, and access a growing range of digital financial services from a single account. Key Features: • Send and receive money securely • Pay utility and service bills with ease • Shop for products and services from trusted vendors • Access banking services • Manage payments and transactions in real time • Secure account access and transaction monitoring • Fast and reliable digital payment experience PayDirect is designed to simplify everyday transactions while providing a dependable and secure experience for both consumers and businesses. Whether you are making payments, managing purchases, or accessing financial services, PayDirect gives you a cleaner and more convenient way to stay connected and in control. Download PayDirect today and experience a smarter way to pay, shop, and manage your digital transactions.

Screenshots

AFi Payments4 screens
Softmasters PayDirect4 screens

Verdict

The call

The clearest difference is rating: AFi Payments at 4.0 against Softmasters PayDirect's 2.0. AFi Payments also leads on ratings volume (6 vs 1). Softmasters PayDirect's advantage is update cadence (weekly vs monthly). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

AFi Payments holds the better App Store score, 4.0 against 2.0. That said, the two scores are not equally well evidenced: AFi Payments has 6 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

AFi Payments ships an update monthly, Softmasters PayDirect weekly. The most recent releases landed on October 4, 2026 and October 16, 2026 respectively.

Scorecard3 real differences · 7 level
AFi Payments versus Softmasters PayDirect: the parameters behind the verdict, then further details
ParameterAFi PaymentsSoftmasters PayDirect
PriceFreeFree
Rating4.0 (6 ratings) — better2.0 (1 ratings)
Positive reviews100.0% of reviews—
Number of ratings6 — better1
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.1
Further details — not scored
Size27 MB80 MB
Age rating4+17+
DeveloperTecHustle, IncSOFTMASTERS COMPANY LIMITED

Customer experience

AFi Payments

All ratings6 ratings
Positive66.7%
Neutral16.7%
Negative16.7%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Softmasters PayDirect

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

AFi Payments

No in-app purchases

None

Softmasters PayDirect

No in-app purchases

Questions

Is AFi Payments free?
AFi Payments is free to download, with no in-app purchases.
Is Softmasters PayDirect free?
Softmasters PayDirect is free to download, with no in-app purchases.
Which has better reviews, AFi Payments or Softmasters PayDirect?
AFi Payments is rated higher. AFi Payments averages 4.0 out of 5 from 6 ratings, while Softmasters PayDirect averages 2.0 from 1 ratings.
Do AFi Payments or Softmasters PayDirect have ads?
Neither AFi Payments nor Softmasters PayDirect shows ads.
Which is updated more often, AFi Payments or Softmasters PayDirect?
AFi Payments ships an update monthly, and Softmasters PayDirect weekly. Most recently, AFi Payments was updated on October 4, 2026 and Softmasters PayDirect on October 16, 2026.

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