Comparison

Paystack Merchant vs Vpay Cashpoint App

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

Head to head
About

Paystack Merchant

This app enables businesses in Africa to receive payments globally through various methods like cards, bank accounts, and mobile money. It provides transaction management, payment requests, and easy login with biometric authentication. Users can also access support and update their business settings.

Highlights
  • Request and receive international payments
  • Support for cards, bank accounts, USSD, mobile money
  • Payment notifications
  • Transaction search and browsing
  • Biometric authentication login
  • Profile and business settings management
  • Help Center access
Features
Read full description

**With Paystack, run your business wherever you are** Paystack powers payments for businesses across Africa. The Paystack Merchant App puts everything you need to run your business in your pocket, from taking payments in person to tracking sales and resolving chargebacks. **Take payments in person** Enter an amount and accept payment by card, bank transfer, or mobile money. The app automatically applies the right minimum payment amount and formatting for each currency. Every payment appears in your Paystack Dashboard, ready for reconciliation. **Stay on top of your business** See today’s revenue, pending payouts, payment requests, and open disputes as soon as you open the app. You can also find transactions faster by filtering them by status, payment channel, or date. Need to issue a refund? Choose a full, half, or quarter refund directly from the transaction. **Create payment requests in seconds** Create, send, track, mark as paid, or cancel payment requests from the app. Select a customer from your saved customer list instead of entering their details again, then share the payment link through WhatsApp, SMS, or email. **Manage disputes more easily** Chargebacks and fraud claims that need your attention appear in a dedicated “Needs response” queue. A live countdown shows exactly how long you have to reply, and overdue disputes are clearly highlighted in red. Upload evidence, add notes, and respond without leaving the app. **Switch between businesses** Manage more than one Paystack business? Switch between your integrations with a tap, without signing out. The app automatically reloads with the information for the business you select. **Get real-time payment notifications** Receive a notification as soon as a customer pays, so you can confirm the transaction and keep your business moving. **Sign in quickly and securely** Set up a passkey once, then sign in with Face ID or a tap instead of entering your password every time. You can also stay signed in throughout your workday. **Built for Paystack merchants** The app supports merchants in Nigeria, Ghana, Kenya, South Africa, and Côte d’Ivoire, with support for NGN, GHS, KES, ZAR, USD, and XOF. Minimum payment amounts and currency formatting are automatically adjusted for each market. **Completely rebuilt** Paystack 2.0 has been rebuilt from the ground up to be faster, lighter, and easier to use. Every screen has been redesigned as part of a more consistent experience, using Apple’s iOS 26 Liquid Glass materials. And we’re just getting started. Have feedback or ideas for what we should build next? Go to **Account → Help**. Paystack Payments Limited is a licensed and regulated payments processor.

About

Vpay Cashpoint App

This app enables cashiers to instantly receive and confirm payments without needing direct access to business bank accounts. It eliminates delays from SMS/email alerts and reduces the risk of bank transfer reversals and customer fraud, providing immediate verification for customers.

Highlights
  • Instant payment receipt and confirmation
  • No business bank account access required
  • Eliminates SMS/email alert delays
  • Reduces bank transfer reversal risk
  • Prevents customer fraud
  • Immediate customer verification
Features
Read full description

About the App ====================== Vpay for cashiers empowers your cashiers or point of sales' cashpoints to instantly receive payments and confirm these payments without any access to the business bank accounts. Key Features ------------ -Cashier is empowered to instantly verify payment without depending on the business owner or accountant -Eliminate SMS/Email alert delays -Eliminate risk of bank transfer reversal and customer fraud - Give customer immediate verification, eliminating customer wait time Join the simple and reliable digital payment platform to increase your customers and improve your overall sales.

Screenshots

Paystack Merchant4 screens
Vpay Cashpoint App4 screens

Verdict

The call

The clearest difference is rating: Vpay Cashpoint App at 5.0 against Paystack Merchant's 3.4. Vpay Cashpoint App also leads on iOS requirement (9.0 vs 17.6). Paystack Merchant's advantage is ratings volume (25 vs 1). 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

Vpay Cashpoint App holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: Paystack Merchant has 25 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Paystack Merchant ships an update monthly, Vpay Cashpoint App every 2 months. The most recent releases landed on October 2, 2026 and October 3, 2026 respectively.

Scorecard3 real differences · 7 level
Paystack Merchant versus Vpay Cashpoint App: the parameters behind the verdict, then further details
ParameterPaystack MerchantVpay Cashpoint App
PriceFreeFree
Rating3.4 (25 ratings)5.0 (1 ratings) — better
Positive reviews22.2% of reviews—
Number of ratings25 — better1
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.69.0 — better
Further details — not scored
Size18 MB82 MB
Age rating17+4+
DeveloperPaystack Payments LimitedDart Solutions Limited

Customer experience

Paystack Merchant

All ratings25 ratings
Positive60.0%
Neutral8.0%
Negative32.0%
Written reviews9 reviews
Positive22.2%
Neutral11.1%
Negative66.7%

Vpay Cashpoint App

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Paystack Merchant

No in-app purchases

None

Vpay Cashpoint App

No in-app purchases

Questions

Is Paystack Merchant free?
Paystack Merchant is free to download, with no in-app purchases.
Is Vpay Cashpoint App free?
Vpay Cashpoint App is free to download, with no in-app purchases.
Which has better reviews, Paystack Merchant or Vpay Cashpoint App?
Vpay Cashpoint App is rated higher. Paystack Merchant averages 3.4 out of 5 from 25 ratings, while Vpay Cashpoint App averages 5.0 from 1 ratings.
Do Paystack Merchant or Vpay Cashpoint App have ads?
Neither Paystack Merchant nor Vpay Cashpoint App shows ads.
Which is updated more often, Paystack Merchant or Vpay Cashpoint App?
Paystack Merchant ships an update monthly, and Vpay Cashpoint App every 2 months. Most recently, Paystack Merchant was updated on October 2, 2026 and Vpay Cashpoint App on October 3, 2026.

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