zaky vs AsiaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
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.
- e-Wallets
- Money Transfers
- Bill Payments
- Salary Disbursements
- Merchant Payments
- Online Shopping
- Flight Reservations
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
zaky ships an update fortnightly, AsiaPay every 2 months. The most recent releases landed on October 15, 2026 and October 14, 2026 respectively.
| Parameter | zaky | AsiaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (46 ratings) — better | 3.4 (159 ratings) |
| Positive reviews | 61.1% of reviews — better | 14.8% of reviews |
| Number of ratings | 46 | 159 — better |
| Update frequency | Fortnightly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 133 MB | 91 MB |
| Age rating | 4+ | 17+ |
| Developer | areeba SAL | AsiaHawala |
Customer experience
zaky
AsiaPay
In-app purchases
zaky
No in-app purchases
AsiaPay
No in-app purchases








