Comparison

zaky vs AsiaPay

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

Head to head
About

zaky

This app simplifies financial transactions with features like money transfers, mobile recharges, and bill payments. It also offers gaming and app e-vouchers, eSIM services, and a prepaid card with control features in select regions.

Highlights
  • Send and receive money via mobile number
  • Purchase gaming and app e-vouchers
  • Local and international mobile recharge
  • Utility bill payments
  • eSIM services
  • Prepaid Visa card with control features
Features
Read full description

Zaky is the ultimate mobile payment app designed to streamline your financial transactions while adding a touch of innovation. Combining security and convenience, Zaky enables you to make the most of your smartphone for all your financial needs. Download now and explore zaky's incredible features. Features* include: 1. Send & Receive Money: Effortlessly transfer funds to friends and family using just a mobile number, making payments and receiving funds a breeze. Receive money from a zaky user or using a generated payment link with few clicks 2. Gaming & App e-Vouchers: Purchase e-vouchers for your favorite gaming, shopping, and entertainment apps, such as iTunes, PlayStation, Xbox, Amazon, Netflix, and more. 3. Local & International Mobile Recharge: Easily recharge your prepaid mobile or any international prepaid line, supporting numerous operators such as Vodafone, MTN, STC, and Orange. 4. Bill Payments: Settle your utility bills conveniently and securely through the Zaky app. 5. eSIM Services: Enjoy instant access to international cellular data eSIM services within the app. 6. Zaky Card : Benefit from a Visa prepaid card, accepted by millions of merchants locally and globally. 7. Card Control : Take charge of your Zaky card with features like balance inquiry, e-pin, lock/unlock, and transaction history. 8. Cash Rewards Management : Redeem your cash rewards program as desired, right from the app. For full details on services in your market, visit: zaky.com Iraq: Phone: 009647713847517 or hotline 6252 | Email: wecare@areeba.iq

About

AsiaPay

This app offers a comprehensive suite of financial services, including e-wallets, money transfers, and bill payments. It aims to boost the economy with cutting-edge solutions and has become a leading payment service provider in Iraq.

Highlights
  • e-Wallets
  • Money Transfers
  • Bill Payments
  • Salary Disbursements
  • Merchant Payments
  • Online Shopping
  • Flight Reservations
Features
Read full description

AsiaPay for Non-Banking Financial Services is your best option for a varied payment service provider that is focused on boosting the economy with cutting-edge financial solutions created to motivate people from all walks of life. We have come a long way to make the first money transaction service in Iraq. Since the establishment of the company in 2014 and the launching on 29 December 2015, we are there to help the rest. AsiaPay reached a customer base of 260,000 users and has the largest distribution network in the country. Being the pioneer in technology-based financial solutions for everyone seeking access to financial transactions of any type, our products and services range from: - e-Wallets; - Money Transfers - Bill Payments; - Salary Disbursements; - Merchant Payments; - Online Shopping; - Flight Reservations - And much more. Our substantial investment in cutting-edge technologies and research enables us to provide our clients the most comprehensive and up-to-date menu of services. In pursuit of our mission to be the preferred Non-Banking Financial Services solution provider by providing the most comprehensive and innovative bouquet of services, along with our vision to be the forerunner and leader in Non-Banking payment Services and to become a part of the customers' everyday lives, we concentrate on and directly target the financial needs and issues of the customers to pioneer groundbreaking and advanced set of services that address all the needs. We are prepared to provide a range of services that influence and enhance customers' daily lives while also guaranteeing a top-notch client experience that enhances each service. The Central Bank of Iraq (CBI) licenses AsiaPay after complying fully with the requirements of CBI pursuant to Iraq Electronic Payment Service No (3) of 2014, Anti-Money Laundering (AML) and Counter Terrorist Finance (CTF) no 39 of 2015. Company Strategy: - Vision: To be the number one choice for any mobile financial transactions in the country. - Mission: Delivering the most advanced financial services for our clients throughout Iraq. - Goal: Make AsiaPay every day’s choice. Core Values: We are a team that strives for improvement, never stops working, and uses cutting-edge technology to give our clients the best customer service possible. To meet the needs of every class, AsiaPay offers three different types of wallets. Lite wallet is a fast short-termed wallet. The threshold of the lite wallet is 2,000,000 million IQD for three months either per day or per the activation period, which is 90 days. Lite wallet holders must transfer the wallet to Standard wallet after three months because the wallet will be suspended. Standard Wallet can be obtained by visiting one of the AsiaPay agents throughout Iraq after the completion of registration procedures (Know Your Pay Customer). The threshold of the Standard wallet is 2,000,000 IQD daily and 10,000,000 IQD monthly. The wallet will be active for an unlimited period subject to the terms and conditions of AsiaPay. Premium Wallet is a type of wallet that has been designed for employers, merchants, main dealers, high earners, and VIPs. The threshold is defined by the AsiaPay on a case-by-case basis in accordance with Central Bank of Iraq instructions. This wallet can be obtained by visiting AsiaPay’s main dealers only.

Screenshots

zaky4 screens
AsiaPay4 screens

Verdict

The call

The clearest difference is review sentiment: zaky at 61% against AsiaPay's 15%. zaky also leads on rating (3.9 vs 3.4) and update cadence (fortnightly vs every 2 months). AsiaPay's advantage is ratings volume (159 vs 46) and iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases and monetization model 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

zaky holds the better App Store score, 3.9 against 3.4. Both are backed by a comparable volume of ratings — 46 and 159 respectively. Written reviews point the same way: 61% of zaky's written reviews are positive against 15% of AsiaPay's.

UpkeepUpdate frequency

zaky ships an update fortnightly, AsiaPay every 2 months. The most recent releases landed on October 15, 2026 and October 14, 2026 respectively.

Scorecard5 real differences · 5 level
zaky versus AsiaPay: the parameters behind the verdict, then further details
ParameterzakyAsiaPay
PriceFreeFree
Rating3.9 (46 ratings) — better3.4 (159 ratings)
Positive reviews61.1% of reviews — better14.8% of reviews
Number of ratings46159 — better
Update frequencyFortnightly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size133 MB91 MB
Age rating4+17+
Developerareeba SALAsiaHawala

Customer experience

zaky

All ratings46 ratings
Positive73.9%
Neutral0.0%
Negative26.1%
Written reviews18 reviews
Positive61.1%
Neutral0.0%
Negative38.9%

AsiaPay

All ratings159 ratings
Positive59.1%
Neutral5.0%
Negative35.8%
Written reviews27 reviews
Positive14.8%
Neutral7.4%
Negative77.8%

In-app purchases

None

zaky

No in-app purchases

None

AsiaPay

No in-app purchases

Questions

Is zaky free?
zaky is free to download, with no in-app purchases.
Is AsiaPay free?
AsiaPay is free to download, with no in-app purchases.
Which has better reviews, zaky or AsiaPay?
zaky is rated higher. zaky averages 3.9 out of 5 from 46 ratings, while AsiaPay averages 3.4 from 159 ratings.
Do zaky or AsiaPay have ads?
Neither zaky nor AsiaPay shows ads.
Which is updated more often, zaky or AsiaPay?
zaky ships an update fortnightly, and AsiaPay every 2 months. Most recently, zaky was updated on October 15, 2026 and AsiaPay on October 14, 2026.

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