# CTZPay vs CHID PAY

The clearest difference is rating: CHID PAY at 4.8 against CTZPay's 3.9. CTZPay's advantage is update cadence (every 2 months vs every 10 months) and ratings volume (75 vs 5). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

CHID PAY holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: CTZPay has 75 ratings behind it against 5, so its average is the more settled of the two.

CTZPay ships an update every 2 months, CHID PAY every 10 months. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | CTZPay | CHID PAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (75 ratings)](https://appshunter.io/ios/app/ctzpay/id1528655111/reviews) | **[4.8 (5 ratings)](https://appshunter.io/ios/app/chid-pay/id6467856336/reviews)** |
| Number of ratings | **75** | 5 |
| Positive reviews | 16.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 10 months |
| Monetization | Free | Free |
| Size | 59 MB | 136 MB |
| Requires iOS | **15.1** | 15.5 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CAPITAL CONNECT LIMITED](https://appshunter.io/developer/1528300797) | [CHID](https://appshunter.io/developer/1709269450) |

## What reviewers say

### CTZPay

[App page](https://appshunter.io/ios/app/ctzpay/id1528655111)

This lifestyle application facilitates digital payments for everyday needs like bills, top-ups, and transfers. It also allows users to purchase bus tickets and access exclusive rewards and loyalty promotions.

**Highlights:** Digital payments, Bill payment, Top-up services, Money transfers, Bus ticket purchases, Rewards and loyalty promotions

**Features:** Vision Pro support

**In-app purchases:** none


### CHID PAY

[App page](https://appshunter.io/ios/app/chid-pay/id6467856336)

Access your bank accounts anytime, anywhere. View balances, transaction history, and perform fund transfers and mobile top-ups. More services are planned for future updates.

**Highlights:** 24/7 banking access, View account balance, Transaction history, Fund transfer, Mobile top-up, General services

**In-app purchases:** none


## Frequently asked questions

### Is CTZPay free?

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

### Is CHID PAY free?

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

### Which has better reviews, CTZPay or CHID PAY?

CHID PAY is rated higher. CTZPay averages 3.9 out of 5 from 75 ratings, while CHID PAY averages 4.8 from 5 ratings.

### Do CTZPay or CHID PAY have ads?

Neither CTZPay nor CHID PAY shows ads.

### Which is updated more often, CTZPay or CHID PAY?

CTZPay ships an update every 2 months, and CHID PAY every 10 months. Most recently, CTZPay was updated on October 25, 2026 and CHID PAY on October 24, 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.*