Zomia vs Wave Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Zomia
Manage your student loan details, track payments, and receive important notifications. This app provides a streamlined way for existing students to handle loan-related tasks without needing to log in repeatedly.
- View loan details and repayment terms
- Download contracts and view loan MAP
- Track payment history and download receipts
- Receive payment reminders and warnings
- Report payments and request deferment
- Submit income updates and renewal offers
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Our mobile app reduces the need for you to regularly sign in on and use the Zomia website. Sign in once on your personal iOS device, and as long as you use the app periodically (or until you sign out directly), you won't need to provide your login credentials again. Get push notifications on your device in place of old-school e-mails, too! • View loan details, including amount borrowed and repayment terms • Download your contract and view your loan MAP • View payment history and download receipts • Receive payment reminders and late payment warnings • Report payments to Zomia • Request a deferment • Receive reminders about submitting grades and transcripts • Submit income updates • Respond to renewal offers • Submit new bank account information • View and interact with your lenders • Update your profile and other settings This app CANNOT be used by Zomia applicants or lenders. You must be a Zomia student to utilize the app!
Wave Merchant
This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.
- Dynamic QR code payments
- Real-time transaction history
- Business analytics
- Bank settlement
- Secure over-the-counter payments
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Fast, Easy, and Safe Online Payments - Myanmar's Leading Mobile Financial Service. Introduced by Wave Money, the Wave Merchant app brings fast, easy, and secure over-the-counter payment solutions not only for merchants and shops to track each transaction and analyze financial data but also for customers to make payments easier and more convenient. The app includes the following features: Dynamic QR: Customers can now enjoy the most convenient "Scan and Pay" functionality. The cashier keys in the specific payment amount, and customers can effortlessly and conveniently complete their payment by scanning the Dynamic QR code provided by the Wave Merchant app. Real-Time Transaction History Detail & Analytics: Merchants receive real-time transaction notifications and gain access to detailed transaction information. Additionally, the app provides a business analytics tool, allowing merchants to view their total transactions, sales, average daily transactions, average daily sales, etc. Bank Settlement: Merchants can seamlessly settle payments to their linked bank accounts. The app facilitates both cashing into the linked bank account and cashing out from it.
Screenshots
Verdict
The clearest difference is rating: Zomia at 5.0 against Wave Merchant's 4.2. Zomia also leads on iOS requirement (10.0 vs 13.0). Wave Merchant's advantage is ratings volume (10 vs 2). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Zomia holds the better App Store score, 5.0 against 4.2. That said, the two scores are not equally well evidenced: Wave Merchant has 10 ratings behind it against 2, so its average is the more settled of the two.
Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on October 1, 2026 and October 24, 2026 respectively.
| Parameter | Zomia | Wave Merchant |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 4.2 (10 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 2 | 10 — better |
| Update frequency | Every 4 months | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 10.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 83 MB | 69 MB |
| Age rating | 4+ | 17+ |
| Developer | Zomia SPC | Wave Money |
Customer experience
Zomia
Wave Merchant
In-app purchases
Zomia
No in-app purchases
Wave Merchant
No in-app purchases









