Comparison

Sahay vs Kacha Customer

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

Head to head
About

Sahay

A mobile wallet designed for making payments, transferring funds, purchasing airtime, and paying bills. It offers features for customers, agents, and merchants, including digital micro-loans and table banking.

Highlights
  • Peer-to-peer money transfer
  • Cash withdrawal and deposit
  • Airtime and bill payments
  • Digital micro-loans
  • Merchant payments
  • Uqub/Hagbad/Tablebanking
Features
Read full description

Rays Micro Finance Institution provides Mobile Wallet platform for its customers known as Sahay Pay. This wallet contains Customer, Agent and Merchant feature in a single app. The wallet is well designed to accommodate necessary requirements for making payments, funds transfer, airtime purchase as much more. The wallet boasts of the following features; 1. Customer a) Transfer Money to registered and unregistered user (peer to peer) b) Cash Withdrawal at Sahay Agent, Rays MFI branch (cash out) c) Airtime Purchase - Ethiotelecom d) Merchant Payments (Pay with Sahay) e) Bill Payments - (Ethiotelecom Postpaid, Ethiopian Airlines) f) Digital Micro Loan g) Uqub/Hagbad/Tablebanking 2. Agent a) Cash Deposit b) Cash Withdrawal c) Airtime Purchase d) Customer Registration e) Customer PIN Reset f) Bill Payment 3. Merchant a) Receive Cash b) Funds Transfer c) Airtime Purchase d) Bill Payment This wallet is convenient, fast and secure. Download the app to start enjoying transacting with Sahay Pay - The fastest growing Mobile Wallet in Ethiopia

About

Kacha Customer

This digital platform offers seamless financial services in Ethiopia, including mobile money, bill payments, remittances, and merchant payments. It aims to promote financial inclusion and empower underserved populations with convenient, affordable, and secure digital financial solutions.

Highlights
  • Mobile money services
  • Bill payments
  • Remittances
  • Merchant payments
  • Financial inclusion
  • Secure digital transactions
Features
Read full description

Kacha Digital Financial Service S.C. is a premier digital platform that provides seamless financial services in Ethiopia. We are the first private payment instrument issuer licensed by the National Bank of Ethiopia, registered as NPS/PII/002/2022. Our goal is to promote financial inclusion and contribute to Ethiopia's national digitalization ambitions. Our digital platform offers mobile money, bill payments, remittances, and merchant payments, making financial services accessible to all Ethiopians, especially those who are underserved and unserved. We are committed to empowering our customers by providing them with convenient, affordable, and secure digital financial services that meet their everyday needs. At Kacha, we are passionate about driving positive change and creating value for our customers, employees, and society as a whole. We are proud to be part of Ethiopia's digital transformation and are committed to playing our role in achieving the country's economic and social development goals. Thank you for choosing Kacha Digital Financial Service S.C. as your financial services provider.

Screenshots

Sahay4 screens
Kacha Customer4 screens

Verdict

The call

The clearest difference is rating: Kacha Customer at 4.6 against Sahay's 3.6. 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

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

Kacha Customer holds the better App Store score, 4.6 against 3.6. Both are backed by a comparable volume of ratings — 17 and 10 respectively.

UpkeepUpdate frequency

Sahay ships an update every 3 weeks, Kacha Customer every 6 weeks. Both last shipped on November 3, 2026.

Scorecard1 real difference · 9 level
Sahay versus Kacha Customer: the parameters behind the verdict, then further details
ParameterSahayKacha Customer
PriceFreeFree
Rating3.6 (17 ratings)4.6 (10 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings17 — better10
Update frequencyEvery 3 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better14.0
Further details — not scored
Size32 MB75 MB
Age rating4+17+
DeveloperRays Microfinance Institution SCKacha Digital Financial Services

Customer experience

Sahay

All ratings17 ratings
Positive58.8%
Neutral11.8%
Negative29.4%

Kacha Customer

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Sahay

No in-app purchases

None

Kacha Customer

No in-app purchases

Questions

Is Sahay free?
Sahay is free to download, with no in-app purchases.
Is Kacha Customer free?
Kacha Customer is free to download, with no in-app purchases.
Which has better reviews, Sahay or Kacha Customer?
Kacha Customer is rated higher. Sahay averages 3.6 out of 5 from 17 ratings, while Kacha Customer averages 4.6 from 10 ratings.
Do Sahay or Kacha Customer have ads?
Neither Sahay nor Kacha Customer shows ads.
Which is updated more often, Sahay or Kacha Customer?
Sahay ships an update every 3 weeks, and Kacha Customer every 6 weeks. Most recently, Sahay was updated on November 3, 2026 and Kacha Customer on November 3, 2026.

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