Qi Services vs AsiaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Manage Qi Bank Accounts
- Manage Qi Payment Cards
- Transfer Money
- View Account Statements
- Find Nearby Qi Places
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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.
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.
- e-Wallets
- Money Transfers
- Bill Payments
- Salary Disbursements
- Merchant Payments
- Online Shopping
- Flight Reservations
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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 82K ratings behind it against 159, 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.
Qi Services ships an update weekly, AsiaPay every 2 months. The most recent releases landed on September 27, 2026 and September 26, 2026 respectively.
| Parameter | Qi Services | AsiaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (82K ratings) — better | 3.4 (159 ratings) |
| Positive reviews | 48.8% of reviews — better | 15.4% of reviews |
| Number of ratings | 82K — better | 159 |
| Update frequency | Weekly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 243 MB | 91 MB |
| Age rating | 17+ | 17+ |
| Developer | THE INTERNATIONAL SMART CARD CO. LLC | AsiaHawala |
Customer experience
Qi Services
AsiaPay
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
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Qi Services
No in-app purchases
AsiaPay
No in-app purchases









