# KESS PAY vs ABA Merchant

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.

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.

## The numbers

| Metric | KESS PAY | ABA Merchant |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/kess-pay/id1518521952/reviews)** | [4.0 (15 ratings)](https://appshunter.io/ios/app/aba-merchant/id1559488956/reviews) |
| Number of ratings | 3 | **15** |
| Positive reviews | **66.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 203 MB | 86 MB |
| Requires iOS | 16.6 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [KESS INNOVATION PLC.](https://appshunter.io/developer/1496591276) | [Advanced Bank of Asia Ltd.](https://appshunter.io/developer/1027725950) |

## What reviewers say

### KESS PAY

[App page](https://appshunter.io/ios/app/kess-pay/id1518521952)

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.

**Highlights:** Instant money transfers, Group bill splitting, QR code payments, Secure transactions, Connected third-party services

**Features:** Vision Pro support

**In-app purchases:** none


### ABA Merchant

[App page](https://appshunter.io/ios/app/aba-merchant/id1559488956)

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.

**Highlights:** Mobile point-of-sale solution, Accept customer payments, Suitable for all business sizes, Easy activation with bank account, Process transactions on smartphone/tablet

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is KESS PAY free?

KESS PAY is free to download, with no in-app purchases.

### Is ABA Merchant free?

ABA Merchant is free to download, with no in-app purchases.

### Which has better reviews, KESS PAY or ABA Merchant?

KESS PAY is rated higher. KESS PAY averages 5.0 out of 5 from 3 ratings, while ABA Merchant averages 4.0 from 15 ratings.

### Do KESS PAY or ABA Merchant have ads?

Neither KESS PAY nor ABA Merchant shows ads.

### Which is updated more often, KESS PAY or ABA Merchant?

KESS PAY ships an update fortnightly, and ABA Merchant every 3 weeks. Most recently, KESS PAY was updated on November 3, 2026 and ABA Merchant on November 3, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*