Flutterwave vs Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Flutterwave
Transform your smartphone into a mobile point-of-sale system to accept diverse payment methods, including cards, bank transfers, and mobile money. Manage your online store, track orders, and monitor transactions conveniently from your device.
- Mobile POS functionality
- Accept card payments
- Multiple payment methods
- Create online stores
- Order management
- Transaction overview
- Customer details retrieval
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Flutterwave Mobile makes it super convenient for anyone to run their business anytime, anywhere. Flutterwave Mobile essentially turns any smartphone into a mobile POS. This is because Flutterwave Mobile allows you accept card payments from anyone- you only need to generate a payment link within the app for them to pay you using their card as they'd do with a physical POS. But Flutterwave Mobile goes even one better. Flutterwave Mobile accepts more payment types than any physical POS can accept. Card payments, bank transfers, Paga, Mobile Money, USSD, the possibilities are endless. Your delivery personnel with Flutterwave Mobile installed on their phone don't need a physical POS anymore. Your sales personnel at your branches no longer need physical POS machines. Again the possibilities are endless. Flutterwave Mobile allows you to run your online store from your phone only. You can create a new online store in minutes on the app. Fulfilled and pending orders are available at a glance; new products can be added on the go; new order alerts are received via push notifications; stock quantity is available at a glance. Whether you're in or out of town, whatever time of the day it is, you have your store with you. Flutterwave Mobile is not restricted to just the Flutterwave Store or the mobile POS use cases. Every Flutterwave merchant is able to efficiently manage their business; whether it's checking balance overview, seeing daily transactions, quickly retrieving a customer's details, your business will always be mobile (pun intended). The future of commerce will always be convenience. Flutterwave Mobile makes running your business more convenient than ever. Flutterwave Mobile is the future of commerce. Give it a spin.
Pay
This app offers a unique approach to motor insurance, allowing users to pay for comprehensive coverage on a minute-by-minute basis. It provides an affordable and flexible way to manage your vehicle's insurance needs.
- Pay-per-minute insurance
- Comprehensive motor coverage
- Affordable insurance options
- Flexible payment plans
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Pay-U allows you to pay for comprehensive motor insurance on a per minute basis.
Screenshots
Verdict
Flutterwave and Pay both sit at 4.5 stars, but that hides the real split: 100% of Pay's written reviews are positive against 35% of Flutterwave's. Pay also leads on update cadence (every 2 weeks vs every 6 weeks) and iOS requirement (12.0 vs 15.1). Flutterwave's advantage is ratings volume (860 vs 2). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.5 for Flutterwave against 4.5 for Pay. That said, the two scores are not equally well evidenced: Flutterwave has 860 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 35% of Flutterwave's written reviews are positive against 100% of Pay's.
Flutterwave ships an update every 6 weeks, Pay every 2 weeks. The most recent releases landed on October 20, 2026 and October 4, 2026 respectively.
| Parameter | Flutterwave | Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (860 ratings) | 4.5 (2 ratings) |
| Positive reviews | 35.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 860 — better | 2 |
| Update frequency | Every 6 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 12.0 — better |
| Further details — not scored | ||
| Size | 42 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | Flutterwave Inc. | Pay-U Technologies LLC |
Customer experience
Flutterwave
Pay
Bugs and requests
Flutterwave
Reported bugs
3 issues- Login screen freezes
- Incompatible with older devices
- Verification issues with account details
Requested features
3 requests- Card payment option
- Dark mode
- Advanced analytics dashboard
Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Flutterwave
No in-app purchases
Pay
No in-app purchases
