Comparison

Yotta Pay vs Send App (Prev. Send)

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Yotta Pay

This free contactless payment app offers bank-grade security through Open Banking, eliminating the need to share card details. It enables instant payments to businesses and individuals, and allows users to receive funds quickly from clients, family, or friends.

Highlights
  • Contactless payments
  • Bank-grade security
  • Instant payments to businesses
  • Instant money transfers
  • QR code payment requests
  • Payment confirmation
Read full description

Yotta Pay is a free contactless payment app. Bank-grade security provided by Open Banking protocols. Confirm each payment with your mobile bank app and never share your card details. Pay money instantly to SMEs, sole traders, and charities. Receive money instantly from your clients, family, and friends. Request a payment from someone near you with QR code, or just choose a contact from your phone book. He or she will receive a clear pre-filled payment instruction in their mobile bank app. You will receive payment confirmation right after they confirm it.

About

Send App (Prev. Send)

Send money internationally to bank accounts and mobile wallets in over 30 countries. Enjoy fast, reliable transfers with multiple payment options and multilingual support. Securely send funds with peace of mind, backed by a global support team.

Highlights
  • Send money to 30+ countries
  • Transfers to bank accounts and mobile wallets
  • Fast and reliable settlements
  • Multi-country support
  • Multiple payment options (bank, card, Apple Pay)
  • In-app assistant and global support team
  • No transaction fees
Features
Read full description

What does it matter in Lagos, Nairobi, Addis Ababa, or London? Use Send App to quickly and reliably send money to local bank accounts and even mobile money wallets whenever you want. GUARANTEED GLOBAL TRANSFERS Powered by Africa’s largest payments provider, Send App gets your money transfers settled in minutes–or days depending on the payment method. Regardless, your transfers will always hit home to serve the need they were meant for. NO BARRIERS: MULTI-COUNTRY SUPPORT English or French? We speak both fluently and will add more. So, pick a language you are comfortable with and start making instant money transfers within countries like the UK, US, Nigeria, Kenya, Germany, Ireland, Cote D’Ivoire, and Ethiopia. CHOOSE HOW YOU PAY Make transfers from your bank account, with card payments or Apple Pay. What else? You can securely save cards and make future transfers with a few taps. No stress! NEVER GET LOST Aside from our global support team–manned by actual people–you have an in-app assistant that gives fast answers to questions you might have. NO TRANSACTION FEE Send money to your loved ones without any transaction fees. Enjoy seamless transfers at no cost. SEND APP IS SECURE AND SAFE Send App is powered by Flutterwave - Africa’s largest payment network - using the same infrastructure that powers some of the biggest companies in the world. ISO 27001 & 22301 Certification Flutterwave is ISO ISO 27001 & 22301 certified, which means that we have acceptable business practices and processes, including a robust business continuity plan. PA DSS & PCI DSS Compliant This certification is proof that Flutterwave as a payment gateway processor, has satisfied the highest level of Security Audit and authorizations. LEGAL AND ADDRESSES United Kingdom Flutterwave UK Limited with Registration No. 10593971 and Registered Address: 41 Luke Street, London, United Kingdom EC2A 4DP, is registered with the Financial Conduct Authority as an EMD Agent (Ref. No 902084), of PayrNet Limited, an Electronic Money Institution authorized and regulated by the Financial Conduct Authority (Ref. No 900594) for the issuance of electronic money and payment services. Your account and related payment services are provided by PayrNet Limited. Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) your funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 - for more information please see: https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements. Lithuania Flutterwave (LITHUANIA) Limited, a private legal person with limited civil liability UAB "Flutterwave/Client" registered under the laws of Lithuania with Registration No. 305630842 and Registered Address: Vilniaus g.31, LT-01402 Vilnius. Your funds will be held in one or more segregated accounts and safeguarded in line with the Financial Supervision Act (Wet op het Financieel Toezicht, Wft) – for more information please see: https://www.eba.europa.eu/regulation-and-policy/single-rulebook/interactive-single-rulebook/5482 Canada Send App by Flutterwave is regulated by FINTRAC (Financial Transactions and Reports Analysis Centre of Canada), located at 15 Wellesley Street West, Suite 313c, Toronto, Ontario M4y 0g7. You can contact FINTRAC at +1-877-701-0555. We process inbound remittances through licensed partnerships with FINTRAC as a Money Service Business.

Screenshots

Yotta Pay4 screens
Send App (Prev. Send)4 screens

Verdict

The call

The clearest difference is review sentiment: Yotta Pay at 77% against Send App (Prev. Send)'s 33%. Yotta Pay also leads on monetization model (free vs free with in-app purchases). Send App (Prev. Send)'s advantage is rating (4.3 vs 3.7) and ratings volume (748 vs 3). On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Send App (Prev. Send) holds the better App Store score, 4.3 against 3.7. That said, the two scores are not equally well evidenced: Send App (Prev. Send) has 748 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 77% of Yotta Pay's written reviews are positive against 33% of Send App (Prev. Send)'s, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Yotta Pay ships an update every 3 weeks, Send App (Prev. Send) every 2 weeks. The most recent releases landed on October 7, 2026 and October 16, 2026 respectively.

Scorecard4 real differences · 6 level
Yotta Pay versus Send App (Prev. Send): the parameters behind the verdict, then further details
ParameterYotta PaySend App (Prev. Send)
PriceFreeFree
Rating3.7 (3 ratings)4.3 (748 ratings) — better
Positive reviews77.4% of reviews — better33.1% of reviews
Number of ratings3748 — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.1
Further details — not scored
Size57 MB97 MB
Age rating4+4+
DeveloperYOTTA DIGITAL LTDFlutterwave Inc.

Customer experience

Yotta Pay

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews31 reviews
Positive77.4%
Neutral0.0%
Negative22.6%

Send App (Prev. Send)

All ratings748 ratings
Positive81.3%
Neutral3.1%
Negative15.6%
Written reviews148 reviews
Positive33.1%
Neutral6.8%
Negative60.1%

Bugs and requests

Yotta Pay

Not enough reviews yet to summarise bugs or requests.

Send App (Prev. Send)

Reported bugs

5 issues
  • Repeated login issues and account lockouts
  • Inconsistent transaction tracking and status updates
  • Unexpected account deductions and failed transfers
  • Compatibility problems with certain devices and OS versions
  • Unreliable in-app notifications and alerts

Requested features

5 requests
  • Biometric login options
  • Ability to save payment details for future use
  • Faster transaction speeds and same-day delivery
  • Expanded availability in more countries/regions
  • Improved communication and resolution of user concerns

In-app purchases

None

Yotta Pay

No in-app purchases

None

Send App (Prev. Send)

No in-app purchases

Questions

Is Yotta Pay free?
Yotta Pay is free to download, with no in-app purchases.
Is Send App (Prev. Send) free?
Send App (Prev. Send) is free to download, with no in-app purchases.
Which has better reviews, Yotta Pay or Send App (Prev. Send)?
Send App (Prev. Send) is rated higher. Yotta Pay averages 3.7 out of 5 from 3 ratings, while Send App (Prev. Send) averages 4.3 from 748 ratings.
Do Yotta Pay or Send App (Prev. Send) have ads?
Neither Yotta Pay nor Send App (Prev. Send) shows ads.
Which is updated more often, Yotta Pay or Send App (Prev. Send)?
Yotta Pay ships an update every 3 weeks, and Send App (Prev. Send) every 2 weeks. Most recently, Yotta Pay was updated on October 7, 2026 and Send App (Prev. Send) on October 16, 2026.

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