PayUp Payments vs PayamAfta
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayUp Payments
This app enables merchants to offer a buy now, pay later option at checkout without needing POS integration. Shoppers can split purchases into three interest-free installments and receive their goods immediately.
- Offer Buy Now Pay Later at checkout
- No POS integration required
- Split payments into 3 interest-free installments
- Initiate transactions via QR code, email, or SMS
- Process refunds
- Extract daily cash ups
- Direct chat support
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PayUp allows merchants to offer PayJustNow at check out with no POS integration. PayJustNow is a buy now, pay later service that offers shoppers split payments at checkout while getting their goods upfront. The purchase is split into 3 interest-free instalments. Key functionality includes: - Sign up consumers to PayJustNow - Initiate transactions via QR code, email or sms - Process refunds - Extract daily cash ups - Chat directly to our support centre PayJustNow is being used as a tender type in over 1500 stores across South Africa.
PayamAfta
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Opportunity only show up once and some needs are urgent and cannot wait. That is why at Laureal Corporation, we bridge the gap between the urgent need to fulfill a dream and its realization through our PayamAfta platform. Payamafta is a platform by Laureal Corporation that connect people to suppliers and financial institution where one can shop for any urgently needed item and pay later.
Screenshots
Verdict
The clearest difference is update cadence: PayamAfta at every 2 weeks against PayUp Payments's every 3 months. PayamAfta also leads on iOS requirement (12.0 vs 15.1). On price, ads, in-app purchases and device support 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.
PayUp Payments ships an update every 3 months, PayamAfta every 2 weeks. The most recent releases landed on October 24, 2026 and October 15, 2026 respectively.
| Parameter | PayUp Payments | PayamAfta |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (15 ratings) — better | — |
| Number of ratings | 15 — better | — |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 12.0 — better |
| Further details — not scored | ||
| Size | 46 MB | 43 MB |
| Age rating | 4+ | 17+ |
| Developer | PayJustNow | PETHER CORPORATION |
In-app purchases
PayUp Payments
No in-app purchases
PayamAfta
No in-app purchases
