Comparison

PayCad vs Paywithzeke

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

Head to head
About

PayCad

Features
Read full description

PayCad Uganda's Smart Payment Platform PayCad puts your entire financial life in one secure wallet. Send money instantly to anyone in Uganda, top up electricity and water, pay KCCA and URA taxes, buy bus tickets, and pay for parking all from one app. SEND MONEY INSTANTLY Transfer UGX to any PayCad user in seconds using their phone number or QR code. No delays, no paperwork. TOP UP YOUR WALLET Fund your PayCad wallet using MTN Mobile Money, Airtel Money, Visa, or Mastercard. PAY UTILITY BILLS • UMEME electricity tokens and postpaid bills • NWSC water bills • DStv, GOtv, and StarTimes TV subscriptions PAY TAXES • Uganda Revenue Authority (URA) taxes • KCCA local government fees • URSB business registration fees BUS TICKETS Search routes, compare fares, and book intercity bus tickets across Uganda. Instant e-ticket on your phone. PARKING PAYMENTS Pay for parking in Kampala and major towns without cash. Scan the zone code and go. POLICE FINES Look up and pay traffic fines by ticket number. Fast, official, and recorded. SECURE BY DESIGN • 4-digit PIN protection on every transaction • Firebase phone number verification • All data encrypted in transit and at rest • No card details stored on our servers Works on web, coming soon on WhatsApp and USSD for feature phones.

About

Paywithzeke

Manage your daily payments in Nigeria with this secure and fast app. Easily buy airtime, data, and pay bills like electricity and cable subscriptions. You can also transfer money to Nigerian banks and purchase gift cards.

Highlights
  • Instant airtime purchase
  • Data bundle purchase
  • Electricity bill payment
  • Cable TV subscription renewal
  • Money transfer to Nigerian banks
  • Gift card purchase and sale
Features
Read full description

Paywithzeke helps you handle everyday payments in Nigeria quickly and securely. Buy airtime and data, pay electricity, renew cable TV subscriptions, transfer money to banks, and purchase gift cards, all in one app. WHAT YOU CAN DO • Buy Airtime instantly • Buy Data bundles for supported networks • Pay Electricity (Power) bills easily • Renew Cable TV subscriptions • Transfer Money to Nigerian bank accounts • Sell Gift Cards WHY PAYWITHZEKE • Fast and simple checkout • Secure transactions • Instant confirmation for successful payments • Transaction history to track your spending • Reliable service for daily use

Screenshots

PayCad4 screens
Paywithzeke4 screens

Verdict

The call

The clearest difference is update cadence: PayCad at fortnightly against Paywithzeke's every 5 weeks. 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

PayCad ships an update fortnightly, Paywithzeke every 5 weeks. The most recent releases landed on October 18, 2026 and October 15, 2026 respectively.

Scorecard1 real difference · 9 level
PayCad versus Paywithzeke: the parameters behind the verdict, then further details
ParameterPayCadPaywithzeke
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—1 — better
Update frequencyFortnightly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.615.0 — better
Further details — not scored
Size4 MB22 MB
Age rating17+4+
DeveloperCode 256 LimitedMYKROFT LIMITED

In-app purchases

None

PayCad

No in-app purchases

None

Paywithzeke

No in-app purchases

Questions

Is PayCad free?
PayCad is free to download, with no in-app purchases.
Is Paywithzeke free?
Paywithzeke is free to download, with no in-app purchases.
Do PayCad or Paywithzeke have ads?
Neither PayCad nor Paywithzeke shows ads.
Which is updated more often, PayCad or Paywithzeke?
PayCad ships an update fortnightly, and Paywithzeke every 5 weeks. Most recently, PayCad was updated on October 18, 2026 and Paywithzeke on October 15, 2026.

Other comparisons