Comparison

Zomia vs Wave Merchant

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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!

About

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.

Highlights
  • Dynamic QR code payments
  • Real-time transaction history
  • Business analytics
  • Bank settlement
  • Secure over-the-counter payments
Features
Read full description

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

Zomia4 screens
Wave Merchant4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on October 1, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
Zomia versus Wave Merchant: the parameters behind the verdict, then further details
ParameterZomiaWave Merchant
PriceFreeFree
Rating5.0 (2 ratings) — better4.2 (10 ratings)
Positive reviews—100.0% of reviews
Number of ratings210 — better
Update frequencyEvery 4 monthsEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS10.0 — better13.0
Further details — not scored
Size83 MB69 MB
Age rating4+17+
DeveloperZomia SPCWave Money

Customer experience

Zomia

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Wave Merchant

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Zomia

No in-app purchases

None

Wave Merchant

No in-app purchases

Questions

Is Zomia free?
Zomia is free to download, with no in-app purchases.
Is Wave Merchant free?
Wave Merchant is free to download, with no in-app purchases.
Which has better reviews, Zomia or Wave Merchant?
Zomia is rated higher. Zomia averages 5.0 out of 5 from 2 ratings, while Wave Merchant averages 4.2 from 10 ratings.
Do Zomia or Wave Merchant have ads?
Neither Zomia nor Wave Merchant shows ads.
Which is updated more often, Zomia or Wave Merchant?
Zomia ships an update every 4 months, and Wave Merchant every 4 months. Most recently, Zomia was updated on October 1, 2026 and Wave Merchant on October 24, 2026.

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