KESS PAY vs ABA Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
KESS PAY
This app simplifies sending, receiving, and managing money with instant transfers, group payments, and QR code scanning. It offers a secure and reliable way to handle everyday financial transactions, connecting you to various services.
- Instant money transfers
- Group bill splitting
- QR code payments
- Secure transactions
- Connected third-party services
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KESS PAY is a smart digital payment app designed to make sending, receiving, and managing money easier than ever. Built for everyday life, it helps you pay, transfer, and stay connected — all in one place. ● What you can do with KESS PAY: 1. Instant Money Transfers – Send and receive money from friends, family, and peers anytime, anywhere. 2. Group Payments – Easily split bills or contribute to shared expenses. 3. Scan & Pay – Pay quickly at local stores by scanning QR codes. 4. Secure & Reliable – Keep your money safe with trusted, modern payment technology. 5. Connected Services – Access additional third-party services without leaving the app. ● Whether it’s shopping, dining, or sending money back home — KESS PAY is the simpler, faster, and safer way to pay. ● Visit us on Facebook to learn more. https://www.facebook.com/KESS-Innovation-PLC-110814020476161/
ABA Merchant
Accept payments on the go with this mobile point-of-sale solution. Designed for businesses of all sizes, it allows you to easily process transactions directly from your smartphone or tablet. Simply activate with your bank account and start receiving payments.
- Mobile point-of-sale solution
- Accept customer payments
- Suitable for all business sizes
- Easy activation with bank account
- Process transactions on smartphone/tablet
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ABA Merchant is free to use mPOS solution for any sized businesses including an individual entrepreneurs who has an account with ABA Bank. Your business can be a cafe, phone shop, beauty salon, delivery service or any other business. You just need to download the app, activate with your ABA account and you are ready to start accepting payments from your customers.
Screenshots
Verdict
The clearest difference is review sentiment: KESS PAY at 67% against ABA Merchant's 0%. KESS PAY also leads on rating (5.0 vs 4.0). ABA Merchant's advantage is ratings volume (15 vs 3). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
KESS PAY holds the better App Store score, 5.0 against 4.0. That said, the two scores are not equally well evidenced: ABA Merchant has 15 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 67% of KESS PAY's written reviews are positive against 0% of ABA Merchant's.
KESS PAY ships an update fortnightly, ABA Merchant every 3 weeks. Both last shipped on November 3, 2026.
| Parameter | KESS PAY | ABA Merchant |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | 4.0 (15 ratings) |
| Positive reviews | 66.7% of reviews — better | 0.0% of reviews |
| Number of ratings | 3 | 15 — better |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 203 MB | 86 MB |
| Age rating | 4+ | 17+ |
| Developer | KESS INNOVATION PLC. | Advanced Bank of Asia Ltd. |
Customer experience
KESS PAY
ABA Merchant
In-app purchases
KESS PAY
No in-app purchases
ABA Merchant
No in-app purchases
