# PayPay AO vs BFA App 2.0

The clearest difference is review sentiment: PayPay AO at 100% against BFA App 2.0's 11%. PayPay AO also leads on rating (3.6 vs 2.8) and iOS requirement (12.0 vs 15.0). BFA App 2.0's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, ratings volume, update cadence 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.

PayPay AO holds the better App Store score, 3.6 against 2.8. Both are backed by a comparable volume of ratings — 19 and 23 respectively. Written reviews point the same way: 100% of PayPay AO's written reviews are positive against 11% of BFA App 2.0's.

PayPay AO ships an update every 3 weeks, BFA App 2.0 monthly. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | PayPay AO | BFA App 2.0 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (19 ratings)](https://appshunter.io/ios/app/paypay-ao/id1523253553/reviews)** | [2.8 (23 ratings)](https://appshunter.io/ios/app/bfa-app-20/id1590186393/reviews) |
| Number of ratings | 19 | **23** |
| Positive reviews | **100.0% of reviews** | 11.1% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Ad-supported | **Free** |
| Size | 68 MB | 85 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [CONECTANDO - SOCIEDAD3E PRESTADORA DE SERVICOS DE PAGAMENTOS, LDA](https://appshunter.io/developer/1617421364) | [BFA](https://appshunter.io/developer/993614351) |

## What reviewers say

### PayPay AO

[App page](https://appshunter.io/ios/app/paypay-ao/id1523253553)

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.

**Highlights:** Mobile payment solutions, E-commerce payments, Fund transfers, Withdrawals, Secure payments, Free account registration

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### BFA App 2.0

[App page](https://appshunter.io/ios/app/bfa-app-20/id1590186393)

Manage your finances with an intuitive interface. Perform transfers, pay bills, manage cards, and access currency exchange rates. Features biometric login and transaction categorization for easy financial tracking.

**Highlights:** Biometric login, Card management, Bill payments, Money transfers, Transaction categorization, Currency exchange rates

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PayPay AO free?

PayPay AO is free to download, with no in-app purchases.

### Is BFA App 2.0 free?

BFA App 2.0 is free to download, with no in-app purchases.

### Which has better reviews, PayPay AO or BFA App 2.0?

PayPay AO is rated higher. PayPay AO averages 3.6 out of 5 from 19 ratings, while BFA App 2.0 averages 2.8 from 23 ratings.

### Do PayPay AO or BFA App 2.0 have ads?

PayPay AO shows ads; BFA App 2.0 does not.

### Which is updated more often, PayPay AO or BFA App 2.0?

PayPay AO ships an update every 3 weeks, and BFA App 2.0 monthly. Most recently, PayPay AO was updated on October 25, 2026 and BFA App 2.0 on October 27, 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.*