PayPay AO vs SB24
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayPay AO
This app provides inclusive and fast mobile payment solutions for e-commerce in Africa. It allows users to easily pay for goods and services, transfer funds, and make withdrawals. Users can also register for a free account to send and receive payments.
- Mobile payment solutions
- E-commerce payments
- Fund transfers
- Withdrawals
- Secure payments
- Free account registration
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PAYPAY dedica-se a fornecer soluções de pagamento móvel de terceiros 'inclusivas e rápidas' para o comércio electrónico em África, com a visão de 'tornar o financiamento mais inclusivo e os pagamentos mais convenientes'. Para além das funções básicas de carregamentos, transferências e levantamentos seguros e rápidos, pode facilmente pagar bens e serviços através da nossa aplicação de pagamento móvel, desde que o destinatário seja um utilizador PAYPAY. Deve ter uma conta para enviar e receber pagamentos, por isso se o beneficiário não tiver uma conta PAYPAY, é fácil inscrever-se numa conta. O registo de uma conta é gratuito!
SB24
Manage your finances on the go with this banking app. It allows for international transfers, bill payments, balance checks, and instant statements in a secure and efficient manner.
- International transfers
- Bill payments
- Check balances privately
- Instant statements
- Secure banking
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SB24 – Your bank always at hand Make international transfers, pay bills, check balances privately, and access instant statements — all in a simple, fast, and secure way, now with a new look. Download the SB24 app today.
Screenshots
Verdict
The clearest difference is review sentiment: PayPay AO at 100% against SB24's 22%. PayPay AO also leads on iOS requirement (12.0 vs 15.0). SB24's advantage is rating (4.6 vs 3.6) and ads (none vs shown). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
SB24 holds the better App Store score, 4.6 against 3.6. That said, the two scores are not equally well evidenced: SB24 has 381 ratings behind it against 19, so its average is the more settled of the two. Written reviews complicate that: 100% of PayPay AO's written reviews are positive against 22% of SB24's, so the app with the better star average is not the one people write more warmly about.
PayPay AO ships an update every 3 weeks, SB24 every 6 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.
| Parameter | PayPay AO | SB24 |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (19 ratings) | 4.6 (381 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 22.2% of reviews |
| Number of ratings | 19 | 381 — better |
| Update frequency | Every 3 weeks — better | Every 6 weeks |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 68 MB | 176 MB |
| Age rating | 17+ | 4+ |
| Developer | CONECTANDO - SOCIEDAD3E PRESTADORA DE SERVICOS DE PAGAMENTOS, LDA | Standard Bank Group |
Customer experience
PayPay AO
SB24
Bugs and requests
PayPay AO
Not enough reviews yet to summarise bugs or requests.
SB24
Reported bugs
15 issues- Transfer errors with no proof of payment
- Transfers not appearing in movement history
- App freezes and needs restarting
- User/password incorrect error on iPhone 14
- App stopped working after update
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- App is often not working
- App always out of service, operations don't finish
- App is unstable, shows offline messages
- Cannot access first field of the app
- App always out of service
- App is very unstable
- App is almost always unavailable
- App always down and with connection failures
- Face ID registration issue
- Bug in registration area, cannot click create button
Requested features
8 requests- Improve transfer error reporting
- Fix payment by reference functionality
- Address frequent crashes and restarts
- Resolve user/password incorrect errors
- Ensure app works after updates
Show 3 moreShow fewer
- Improve app stability and reliability
- Fix registration bug
- Make the first field activate properly
In-app purchases
PayPay AO
No in-app purchases
SB24
No in-app purchases
