Comparison

Flutterwave vs Paymonetra

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

Head to head
About

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.

Highlights
  • Mobile POS functionality
  • Accept card payments
  • Multiple payment methods
  • Create online stores
  • Order management
  • Transaction overview
  • Customer details retrieval
Features
Read full description

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.

About

Paymonetra

Manage your cryptocurrency, virtual dollar cards, and pay all your bills from a single Nigerian money app. Buy and sell Bitcoin, Ethereum, and USDT with live rates, create virtual USD cards for online payments, and send money instantly to Nigerian banks.

Highlights
  • Buy and sell crypto in Naira
  • Create virtual USD cards
  • Pay for ads and subscriptions
  • Send and receive money instantly
  • Pay airtime, data, TV, and power bills
  • Secure transactions with PIN and alerts
Features
Read full description

Paymonetra is one Nigerian money app for crypto, dollar cards and every bill you pay. BUY AND SELL CRYPTO IN NAIRA Six coins including Bitcoin, Ethereum and USDT. You see the live rate and exactly what you get before you confirm, and the price is locked while you decide. Settled straight to your naira wallet. A DOLLAR CARD THAT WORKS ABROAD Create a virtual USD card in minutes and pay for ads, subscriptions and anything else priced in dollars. Every fee is shown before you create it: creation, monthly and per transaction. Freeze it in one tap, set spending limits, and choose where it works. SEND AND RECEIVE MONEY Transfer to any Nigerian bank in seconds. The recipient name confirms before you pay, so you never send to the wrong account. Money in lands on your own dedicated account number. AIRTIME, DATA, TV AND POWER Every network and every provider in one list. MTN, Glo, Airtel and 9mobile. DStv, GOtv and Startimes. Electricity tokens delivered in seconds. BUILT TO BE TRUSTED Funds are held with CBN licensed, NDIC insured partner banks. Card infrastructure is PCI-DSS compliant. Every transaction needs your PIN, and you get an alert the moment your card is used. Download Paymonetra and do it all from one balance.

Screenshots

Flutterwave4 screens
Paymonetra4 screens

Verdict

The call

The clearest difference is rating: Flutterwave at 4.5 against Paymonetra's 2.5. Flutterwave also leads on ratings volume (860 vs 2). Paymonetra's advantage is update cadence (every 3 days vs every 6 weeks) and review sentiment (50% vs 35%). On price, ads, in-app purchases and monetization model 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

Flutterwave holds the better App Store score, 4.5 against 2.5. 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 complicate that: 35% of Flutterwave's written reviews are positive against 50% of Paymonetra's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Flutterwave ships an update every 6 weeks, Paymonetra every 3 days. The most recent releases landed on October 20, 2026 and October 13, 2026 respectively.

Scorecard5 real differences · 5 level
Flutterwave versus Paymonetra: the parameters behind the verdict, then further details
ParameterFlutterwavePaymonetra
PriceFreeFree
Rating4.5 (860 ratings) — better2.5 (2 ratings)
Positive reviews35.0% of reviews50.0% of reviews — better
Number of ratings860 — better2
Update frequencyEvery 6 weeksEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.113.0 — better
Further details — not scored
Size42 MB60 MB
Age rating4+4+
DeveloperFlutterwave Inc.Monetra Technologies LTD

Customer experience

Flutterwave

All ratings860 ratings
Positive87.3%
Neutral4.5%
Negative8.1%
Written reviews60 reviews
Positive35.0%
Neutral6.7%
Negative58.3%

Paymonetra

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

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

Paymonetra

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Flutterwave

No in-app purchases

None

Paymonetra

No in-app purchases

Questions

Is Flutterwave free?
Flutterwave is free to download, with no in-app purchases.
Is Paymonetra free?
Paymonetra is free to download, with no in-app purchases.
Which has better reviews, Flutterwave or Paymonetra?
Flutterwave is rated higher. Flutterwave averages 4.5 out of 5 from 860 ratings, while Paymonetra averages 2.5 from 2 ratings.
Do Flutterwave or Paymonetra have ads?
Neither Flutterwave nor Paymonetra shows ads.
Which is updated more often, Flutterwave or Paymonetra?
Flutterwave ships an update every 6 weeks, and Paymonetra every 3 days. Most recently, Flutterwave was updated on October 20, 2026 and Paymonetra on October 13, 2026.

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