Comparison

SasaPay vs Etica

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

Head to head
About

SasaPay

This mobile application functions as an e-wallet, enabling users to send and receive money, facilitate transfers, withdraw funds, and pay bills through a mobile app and USSD services. It aims to provide Fintech-based solutions for individuals and businesses.

Highlights
  • Send and receive money
  • Money transfer services
  • Withdrawal services
  • Bill payments
  • Agency business for agents
  • Retailer payment acceptance
  • Merchant business transactions
Features
Read full description

1. What is SasaPay? SasaPay is an E-wallet that allows and facilitates users to, send money across other users, transfer money services, withdraw money services and bill payments services via mobile based application & USSD services. 2. Vision To be a world leader in Fintech based solutions 3. Mission To create value in Technology by developing solutions & services that help our customers achieve actionable goals 4. Core values Curious | Experts | Forward Thinking Forward think – we believe in a world of immense possibilities Expertise – we share our gift of knowledge through our solutions Curious – our curiosity makes us driven 5. Services offered a. Agency Business – allows acquisition of agents who will transact on behalf of SasaPay to provide the deposit, withdrawal. To become an agent, one needs to apply and supply SasaPay with all necessary documentation as guided by the Agency Business Policy. b. Retail Business – SasaPay will allow retailers to receive payments via SasaPay and give refunds to their customers easily via SasaPay for those who transact via cash c. SasaPay Enterprise - Using his/her SasaPay wallet, a user can send and receive money and pay for utilities. d. SasaPay Person to Person (P2P) - SasaPay wallet holders can transfer money from one user to the other seamlessly at no cost e. Merchant Business – using our B2B system, businesses can transact between each other easily by sending/receiving money through the SasaPay platform. f. PSV Fare Services – this allows for passengers in public service vehicles to pay for their travel fares using the SasaPay platform to the conductor.

About

Etica

Manage investment funds regulated by the Capital Markets Authority of Kenya. Invest in retail funds with as little as KES 100 or high net worth funds. Initiate deposits, withdrawals, transfers, and utility payments.

Highlights
  • Self-onboarding in under 2 minutes
  • Manage Collective Investment Schemes
  • Invest in Money Market, Fixed Income, Shariah, and Wealth Funds
  • Low minimum investment (KES 100)
  • Initiate deposits, withdrawals, and transfers
  • View and download statements instantly
Features
Read full description

Enable client to self-onboard in less than 2 minutes and thereafter login to manage their investments funds under the Collective Investment Schemes regulated by the Capital Markets Authority of Kenya with choices from retail funds such as Money Market Fund / Fixed Income Fund / Shariah Fund with as low as KES 100/= (no lock-in periods for these), to high networth fund such as Wealth Fund with minimum from KES 1M ( with lock-in options of 6, 9 or 12 months). Client can also initiate transactions such as deposits, withdrawals, transfers (between funds or to another fund for self or another existing client) and utility payments. Statements can be viewed and / or downloaded from the app instantly 24/7.

Screenshots

SasaPay3 screens
Etica2 screens

Verdict

The call

The clearest difference is review sentiment: Etica at 100% against SasaPay's 0%. 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.

UpkeepUpdate frequency

SasaPay ships an update every 3 weeks, Etica every 2 weeks. Both last shipped on November 3, 2026.

Scorecard1 real difference · 9 level
SasaPay versus Etica: the parameters behind the verdict, then further details
ParameterSasaPayEtica
PriceFreeFree
Rating—4.0 (4 ratings) — better
Positive reviews0.0% of reviews100.0% of reviews — better
Number of ratings—4 — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size146 MB50 MB
Age rating4+4+
DeveloperVIEWTECH LIMITEDEtica Capital

Customer experience

SasaPay

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Etica

All ratings4 ratings
Positive75.0%
Neutral25.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

SasaPay

No in-app purchases

None

Etica

No in-app purchases

Questions

Is SasaPay free?
SasaPay is free to download, with no in-app purchases.
Is Etica free?
Etica is free to download, with no in-app purchases.
Do SasaPay or Etica have ads?
Neither SasaPay nor Etica shows ads.
Which is updated more often, SasaPay or Etica?
SasaPay ships an update every 3 weeks, and Etica every 2 weeks. Most recently, SasaPay was updated on November 3, 2026 and Etica on November 3, 2026.

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