CTZPay Partner vs Wave Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CTZPay Partner
This app enables businesses to accept digital payments, increasing revenue and customer satisfaction. It facilitates cash-in and cash-out transactions, allowing partners to manage their transaction history and collaborate with a network of businesses.
- Accept digital payments
- Earn revenue from cash-in/out
- QR code payments
- Transaction history management
- Expand business partnerships
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CTZPay Partner is a lifestyle and digital payment enabler paving the way for a wide range of digital payment solutions through the CTZPay mobile wallet and an established, trusted network of agents and merchants across Myanmar. Being a CTZPay’s Partner will help your business to generate more revenue without incurring high capital investment, you can easily enhance your consumer satisfaction and business efficiency by accepting quick and easy digital payments in store. CTZPay Partner is powered by MCB (Myanmar Citizens Bank), a member of CDSG. What are your benefits? Earn extra revenue from cash in and cash out transactions. Offer quick and easy cash payment at the check out by just scanning the QR. Managing your daily transactions history through CTZPay Partner app. Open more opportunities to work with different business partners of CTZPay.
Wave Merchant
This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.
- Dynamic QR code payments
- Real-time transaction history
- Business analytics
- Bank settlement
- Secure over-the-counter payments
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Fast, Easy, and Safe Online Payments - Myanmar's Leading Mobile Financial Service. Introduced by Wave Money, the Wave Merchant app brings fast, easy, and secure over-the-counter payment solutions not only for merchants and shops to track each transaction and analyze financial data but also for customers to make payments easier and more convenient. The app includes the following features: Dynamic QR: Customers can now enjoy the most convenient "Scan and Pay" functionality. The cashier keys in the specific payment amount, and customers can effortlessly and conveniently complete their payment by scanning the Dynamic QR code provided by the Wave Merchant app. Real-Time Transaction History Detail & Analytics: Merchants receive real-time transaction notifications and gain access to detailed transaction information. Additionally, the app provides a business analytics tool, allowing merchants to view their total transactions, sales, average daily transactions, average daily sales, etc. Bank Settlement: Merchants can seamlessly settle payments to their linked bank accounts. The app facilitates both cashing into the linked bank account and cashing out from it.
Screenshots
Verdict
The clearest difference is rating: Wave Merchant at 4.2 against CTZPay Partner's 3.9. Wave Merchant also leads on iOS requirement (13.0 vs 15.1). On price, ratings volume, update cadence and ads 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.
Wave Merchant holds the better App Store score, 4.2 against 3.9. Both are backed by a comparable volume of ratings — 7 and 10 respectively.
CTZPay Partner ships an update every 5 months, Wave Merchant every 4 months. The most recent releases landed on October 5, 2026 and October 4, 2026 respectively.
| Parameter | CTZPay Partner | Wave Merchant |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (7 ratings) | 4.2 (10 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 7 | 10 — better |
| Update frequency | Every 5 months | Every 4 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 58 MB | 69 MB |
| Age rating | 4+ | 17+ |
| Developer | CAPITAL CONNECT LIMITED | Wave Money |
Customer experience
CTZPay Partner
Wave Merchant
In-app purchases
CTZPay Partner
No in-app purchases
Wave Merchant
No in-app purchases
Questions
Is CTZPay Partner free?
Is Wave Merchant free?
Which has better reviews, CTZPay Partner or Wave Merchant?
Do CTZPay Partner or Wave Merchant have ads?
Which is updated more often, CTZPay Partner or Wave Merchant?
Other comparisons
