MTN MoMo vs PayRep
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MTN MoMo
Easily send money to friends and family, top up airtime, and purchase bundles. This app also allows you to pay bills and merchants, offering a comprehensive solution for managing your finances and tracking your money.
- Send money to friends and family
- Top up airtime
- Purchase bundles
- Pay bills
- Pay merchants
- Manage money
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Welcome to the world of MoMo. With MoMo you can send money to friends & family, topup airtime, purchase bundles, pay your bills, merchants and much more. It's a one-stop shop for everything you need. MoMo makes it easy to keep track of your money. You can use MoMo services to manage your money..
PayRep
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Payrep is a modern microfinance banking application designed to makes managing money easy and accessible for everyone, from individuals to small businesses. Whether you're looking to open a savings account, pay bills, or transfer money securely, Payrep gives you the tools to take full control of your finances anytime, anywhere
Screenshots
Verdict
The clearest difference is update cadence: PayRep at every 2 weeks against MTN MoMo's every 4 months. MTN MoMo's advantage is iOS requirement (10.0 vs 15.5). On price, ads, 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.
MTN MoMo ships an update every 4 months, PayRep every 2 weeks. The most recent releases landed on October 15, 2026 and September 25, 2026 respectively.
| Parameter | MTN MoMo | PayRep |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (572 ratings) — better | — |
| Positive reviews | 7.7% of reviews | — |
| Number of ratings | 572 — better | — |
| Update frequency | Every 4 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 10.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 21 MB | 131 MB |
| Age rating | 4+ | 4+ |
| Developer | MTN | Xchange Box Solutions LTD |
Bugs and requests
MTN MoMo
Reported bugs
5 issues- App not working on iOS 16
- Incorrect pin errors
- Unable to log in or register
- Fails to send OTP codes
- Deducts money without completing transactions
Requested features
5 requests- Add ability to cancel scheduled transfers
- Expand bank integration for transfers
- Improve security with biometric login
- Allow usage on WiFi networks
- Reduce transaction fees
PayRep
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MTN MoMo
No in-app purchases
PayRep
No in-app purchases
