Comparison

Qi Services vs AsiaPay

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

Head to head
About

Qi Services

Securely manage your bank accounts and payment cards. Transfer funds, view statements, and locate nearby services. Block or unblock cards and reset PINs with ease.

Highlights
  • Manage Qi Bank Accounts
  • Manage Qi Payment Cards
  • Transfer Money
  • View Account Statements
  • Find Nearby Qi Places
Features
Read full description

The new improved Qi Services mobile app is a secure way to manage your Qi Bank Accounts, transfer money, and access your Qi Payment Cards from almost anywhere. The app enables you to: - VIEW AND MANAGE YOUR QI BANK ACCOUNTS. - MANAGE YOUR CARD (BLOCK / UNBLOCK, RESET PIN, REPLACE , RENEW CARD ). - VIEW YOUR ACCOUNT STATEMENTS IN DETAILS. - TRANSFER MONEY FORM YOUR CARDS. - VIEW THE NEAREST QI PLACES AROUND YOU.

About

AsiaPay

This app offers a comprehensive suite of financial services, including e-wallets, money transfers, and bill payments. It aims to boost the economy with cutting-edge solutions and has become a leading payment service provider in Iraq.

Highlights
  • e-Wallets
  • Money Transfers
  • Bill Payments
  • Salary Disbursements
  • Merchant Payments
  • Online Shopping
  • Flight Reservations
Features
Read full description

AsiaPay for Non-Banking Financial Services is your best option for a varied payment service provider that is focused on boosting the economy with cutting-edge financial solutions created to motivate people from all walks of life. We have come a long way to make the first money transaction service in Iraq. Since the establishment of the company in 2014 and the launching on 29 December 2015, we are there to help the rest. AsiaPay reached a customer base of 260,000 users and has the largest distribution network in the country. Being the pioneer in technology-based financial solutions for everyone seeking access to financial transactions of any type, our products and services range from: - e-Wallets; - Money Transfers - Bill Payments; - Salary Disbursements; - Merchant Payments; - Online Shopping; - Flight Reservations - And much more. Our substantial investment in cutting-edge technologies and research enables us to provide our clients the most comprehensive and up-to-date menu of services. In pursuit of our mission to be the preferred Non-Banking Financial Services solution provider by providing the most comprehensive and innovative bouquet of services, along with our vision to be the forerunner and leader in Non-Banking payment Services and to become a part of the customers' everyday lives, we concentrate on and directly target the financial needs and issues of the customers to pioneer groundbreaking and advanced set of services that address all the needs. We are prepared to provide a range of services that influence and enhance customers' daily lives while also guaranteeing a top-notch client experience that enhances each service. The Central Bank of Iraq (CBI) licenses AsiaPay after complying fully with the requirements of CBI pursuant to Iraq Electronic Payment Service No (3) of 2014, Anti-Money Laundering (AML) and Counter Terrorist Finance (CTF) no 39 of 2015. Company Strategy: - Vision: To be the number one choice for any mobile financial transactions in the country. - Mission: Delivering the most advanced financial services for our clients throughout Iraq. - Goal: Make AsiaPay every day’s choice. Core Values: We are a team that strives for improvement, never stops working, and uses cutting-edge technology to give our clients the best customer service possible. To meet the needs of every class, AsiaPay offers three different types of wallets. Lite wallet is a fast short-termed wallet. The threshold of the lite wallet is 2,000,000 million IQD for three months either per day or per the activation period, which is 90 days. Lite wallet holders must transfer the wallet to Standard wallet after three months because the wallet will be suspended. Standard Wallet can be obtained by visiting one of the AsiaPay agents throughout Iraq after the completion of registration procedures (Know Your Pay Customer). The threshold of the Standard wallet is 2,000,000 IQD daily and 10,000,000 IQD monthly. The wallet will be active for an unlimited period subject to the terms and conditions of AsiaPay. Premium Wallet is a type of wallet that has been designed for employers, merchants, main dealers, high earners, and VIPs. The threshold is defined by the AsiaPay on a case-by-case basis in accordance with Central Bank of Iraq instructions. This wallet can be obtained by visiting AsiaPay’s main dealers only.

Screenshots

Qi Services4 screens
AsiaPay4 screens

Verdict

The call

The clearest difference is rating: Qi Services at 4.5 against AsiaPay's 3.4. Qi Services also leads on review sentiment (49% vs 15%) and update cadence (weekly vs every 2 months). 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

Qi Services holds the better App Store score, 4.5 against 3.4. That said, the two scores are not equally well evidenced: Qi Services has 81K ratings behind it against 167, so its average is the more settled of the two. Written reviews point the same way: 49% of Qi Services's written reviews are positive against 15% of AsiaPay's.

UpkeepUpdate frequency

Qi Services ships an update weekly, AsiaPay every 2 months. The most recent releases landed on October 25, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
Qi Services versus AsiaPay: the parameters behind the verdict, then further details
ParameterQi ServicesAsiaPay
PriceFreeFree
Rating4.5 (81K ratings) — better3.4 (167 ratings)
Positive reviews48.7% of reviews — better14.8% of reviews
Number of ratings81K — better167
Update frequencyWeekly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.013.0 — better
Further details — not scored
Size243 MB91 MB
Age rating17+17+
DeveloperTHE INTERNATIONAL SMART CARD CO. LLCAsiaHawala

Customer experience

Qi Services

All ratings81,820 ratings
Positive87.4%
Neutral3.5%
Negative9.1%
Written reviews550 reviews
Positive48.7%
Neutral4.4%
Negative46.9%

AsiaPay

All ratings159 ratings
Positive59.1%
Neutral5.0%
Negative35.8%
Written reviews27 reviews
Positive14.8%
Neutral7.4%
Negative77.8%

User reviews

Qi Services

From 81K App Store ratings

What we love

  • 🚀 Bills and Transfers
  • 🔒 Trusted security
  • 👍 All-in-one tool
  • 👍 Recommended by users

Room to improve

  • 🐛 Crashes and connection issues
  • 🔍 Lack of customer support
  • 🔍 Unclear policies and procedures
  • 🔍 Inconsistent service quality
  • 🔍 Unresponsive to user feedback

AsiaPay

From 167 App Store ratings

What we love

  • 👍 App is good (Mahmood89)
  • 👍 New wallet launch (Ahmad. Y. Y)

Room to improve

  • 😞 Poor customer service
  • 😞 High fees and commissions
  • 😞 Outdated interface
  • 😞 Slow and unresponsive
  • 😞 Unclear app purpose

Bugs and requests

Qi Services

Reported bugs

4 issues
  • Login/account creation issues
  • Incompatibility with older devices
  • Inconsistent card activation and delivery
  • Unreliable transaction tracking and balance display

Requested features

5 requests
  • Dark mode option
  • Ability to delete old notifications
  • Alarm sound and multi-tasking settings
  • More intuitive user interface
  • Ability to view full monthly statement history

AsiaPay

Reported bugs

5 issues
  • App crashes on some iPhones (iOS 16 has no issues)
  • Activation code not received
  • App does not open
  • Bugs in entering new wallet password
  • Bugs in purchasing electronic cards

Requested features

13 requests
  • Add Master Card top-up option
  • Provide mobile top-up (delivery)
  • Fix bugs in new wallet
  • Improve app interface and font
  • Reduce commission fees
Show 8 more
  • Offer a plastic card
  • Allow receiving money via MoneyGram
  • Add option to change/correct recipient name
  • Improve customer service response time
  • Add customer service phone number
  • Allow purchasing iTunes cards through the app
  • Add bank account linking option
  • Remove annoying animations

In-app purchases

None

Qi Services

No in-app purchases

None

AsiaPay

No in-app purchases

Questions

Is Qi Services free?
Qi Services is free to download, with no in-app purchases.
Is AsiaPay free?
AsiaPay is free to download, with no in-app purchases.
Which has better reviews, Qi Services or AsiaPay?
Qi Services is rated higher. Qi Services averages 4.5 out of 5 from 81K ratings, while AsiaPay averages 3.4 from 167 ratings.
Do Qi Services or AsiaPay have ads?
Neither Qi Services nor AsiaPay shows ads.
Which is updated more often, Qi Services or AsiaPay?
Qi Services ships an update weekly, and AsiaPay every 2 months. Most recently, Qi Services was updated on October 25, 2026 and AsiaPay on October 22, 2026.

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