OyaPay vs UCPayWallet
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
OyaPay
A mobile payment solution that lets you pay businesses with your phone, order ahead for quick pickup, and earn crypto rewards. It offers a faster and more convenient alternative to traditional payment methods.
- Mobile payments
- Order ahead for pickup
- Earn crypto rewards (OyaCoin)
- Fast transactions
- Refer friends for rewards
- Fund wallet
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Paying with cash or card can lead to many awkward moments and inconveniences, but now a better way to pay is already in your hand. OyaPay allows you to pay your favourite businesses with your mobile phone or skip the line at restaurants, coffee shops, bars etc and earn rewards like crypto (OyaCoin) while doing so. We give you the power to order ahead your coffee, lunch, afternoon snack, breakfast, and second breakfast with a single tap and have it ready when you get there. - Fund your wallet and earn crypto (OyaCoin) - Pay businesses in less than 5 seconds - Better and faster than your bank USSD - Invite your friends and earn ▶Now available in over 22 stores across Lagos and Unilag◄ We are adding more business daily and you can also recommend your favourite businesses, restaurants or shops and we’ll get them on board! Recommend here https://goo.gl/xvNP1Q
UCPayWallet
Manage your daily finances with this app, allowing you to send, spend, store, and convert money globally. It consolidates multiple currency wallets into one and offers a rechargeable payment card for convenient transactions.
- Send, spend, store, and manage money
- Convert currency and make global transfers
- Consolidate multiple currency wallets
- Rechargeable payment card
- P2P transfers
- Offline cash withdrawals and spending
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UCPAY is more than just a mobile wallet; it is designed to meet your daily financial needs by allowing you to send, spend, store, and manage money! Securely convert your currency into your preferred fiat currency and make transfers and purchases globally without barriers. With UCPAY, you can quickly and easily complete personal and professional transactions both online and offline. Consolidate multiple currency wallets into one! For added convenience, we also offer a rechargeable payment card, making your daily transactions more convenient, easy, and secure within a single app! With just one wallet, you can: • Instantly load multiple currency wallets with encryption • P2P transfers • Exchange and fast transfers • Offline cash withdrawals and spending • Cross-platform transfers and usage from virtual to physical with UnionPay, Visa, and MasterCard • QRC payment purchases • ATM offline cash withdrawals • Apple Pay and other mobile wallet NFC payments
Screenshots
Verdict
The clearest difference is ads: OyaPay at none against UCPayWallet's shown. OyaPay also leads on monetization model (free vs ad-supported) and iOS requirement (11.4 vs 15.5). UCPayWallet's advantage is ratings volume (10 vs 1). On price, rating, in-app purchases and device support 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
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 — 5.0 for OyaPay against 5.0 for UCPayWallet. That said, the two scores are not equally well evidenced: UCPayWallet has 10 ratings behind it against 1, so its average is the more settled of the two.
| Parameter | OyaPay | UCPayWallet |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (10 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 10 — better |
| Update frequency | — | Every 2 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.4 — better | 15.5 |
| Further details — not scored | ||
| Size | 23 MB | 120 MB |
| Age rating | 4+ | 4+ |
| Developer | OYAPAYME LTD | UC-pay Canada Ltd |
Customer experience
OyaPay
UCPayWallet
In-app purchases
OyaPay
No in-app purchases
UCPayWallet
No in-app purchases









