Comparison

Ongo Merchant++ vs Payed Cash

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

Head to head
About

Ongo Merchant++

Accept card payments, process refunds, and view transaction settlements. Offer cash withdrawal services and manage prepaid loyalty programs. Create custom reward programs and accept payments via QR codes and UPI.

Highlights
  • Card payment acceptance
  • Transaction voiding
  • Settlement reporting
  • Mini ATM cash withdrawal
  • Prepaid loyalty programs
  • Custom reward programs
  • Bharat QR and UPI payments
Features
Read full description

Enabled with seamless payment technology, Ongo Merchant++ provides acceptance solutions for all forms of card-based payments. The app is designed for payment transactions in-store and on-the-go from major scheme providers MasterCard & Visa. In Ongo Merchant++ application, we are providing below features : Sale Sale is a facility using which debit/credit/prepaid card holders can make card payments by swiping their credit/debit/prepaid cards (issued in India) at POS Terminals at merchant locations. Void If a transaction has to be cancelled due to an erroneous entry, Void functionality can be used. Settlement All transactions pending for settlement can be viewed by the merchant using Settlement feature. Detailed transaction-wise report can be availed by merchant. Mini ATM Mini ATM or Cash@POS is a facility using which debit card holders can withdraw cash by swiping their debit/open prepaid cards (issued in India) at POS Terminals at merchant locations. Prepaid The merchant can define and run Prepaid loyalty program by issuing prepaid cards to his/her customers. Top-up amount can be loaded and withdrawn as per customer’s requirement in this program by the merchant. Reward This functionality empowers the merchants to create their own loyalty program basis visit, value spend and or both for specified tenure. Under this program the merchant issues Rewards cards to his/her customers and can construct the customer offering as per their own choice. Bharat QR – Static & Dynamic This feature enables merchants to accept payments through Bharat QR Code and UPI. Merchant needs to initiate Bharat QR and UPI transactions, enter the amount and generate the QR code. The consumer has to scan this QR code provided by merchant & initiate payment through the Bharat QR and UPI supported app.

About

Payed Cash

This digital payment platform offers a secure and efficient way to manage banking and process transactions for individuals and businesses. It has facilitated over NGN 4 trillion in transactions, making it a trusted financial partner for entrepreneurs.

Highlights
  • All-in-one banking and payments
  • Reliable and efficient platform
  • Secure digital payment processing
  • Caters to individuals and businesses
  • Facilitated over NGN 4 trillion in transactions
Features
Read full description

Payed Cash is your all-in-one solution for banking and payments. It is a reliable, efficient, and secure digital payment platform designed to cater to both individuals and businesses. With over NGN 4 trillion in processed transactions, Payed Cash is fast becoming the preferred financial partner for entrepreneurs and enterprises alike.

Screenshots

Ongo Merchant++4 screens
Payed Cash4 screens

Verdict

The call

The clearest difference is update cadence: Payed Cash at every 5 weeks against Ongo Merchant++'s every 8 months. Ongo Merchant++'s advantage is iOS requirement (12.0 vs 15.0). On price, review sentiment, ads and in-app purchases 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.

UpkeepUpdate frequency

Ongo Merchant++ ships an update every 8 months, Payed Cash every 5 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
Ongo Merchant++ versus Payed Cash: the parameters behind the verdict, then further details
ParameterOngo Merchant++Payed Cash
PriceFreeFree
Rating—4.0 (4 ratings) — better
Positive reviews6.3% of reviews — better0.0% of reviews
Number of ratings—4 — better
Update frequencyEvery 8 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size11 MB60 MB
Age rating4+17+
DeveloperIndia Transact Services LimitedGETPAYED TECHNOLOGY SOLUTIONS LIMITED

Customer experience

Ongo Merchant++

Written reviews16 reviews
Positive6.3%
Neutral0.0%
Negative93.8%

Payed Cash

All ratings4 ratings
Positive75.0%
Neutral0.0%
Negative25.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Ongo Merchant++

No in-app purchases

None

Payed Cash

No in-app purchases

Questions

Is Ongo Merchant++ free?
Ongo Merchant++ is free to download, with no in-app purchases.
Is Payed Cash free?
Payed Cash is free to download, with no in-app purchases.
Do Ongo Merchant++ or Payed Cash have ads?
Neither Ongo Merchant++ nor Payed Cash shows ads.
Which is updated more often, Ongo Merchant++ or Payed Cash?
Ongo Merchant++ ships an update every 8 months, and Payed Cash every 5 weeks. Most recently, Ongo Merchant++ was updated on November 2, 2026 and Payed Cash on November 3, 2026.

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