Comparison

Apollo Digital vs Chapa Merchant

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

Head to head
About

Apollo Digital

Manage all your banking needs with this mobile application. Open an account digitally, transfer funds, pay bills, and access ATM cash disbursement. Enjoy secure transactions with advanced security features and reliable customer support.

Highlights
  • Digital account opening
  • Zero fees on digital transactions
  • Effortless money transfers
  • ATM cash disbursement
  • Bill payments
  • Scheduled transfers
  • Biometric security
Features
Read full description

Apollo Mobile App helps you stay in touch with all your banking needs on the go.Want to be in full control of your money with just one app? Meet Apollo App, powered by Bank of Abyssinia, which enables users to open an account from the comfort of their homes. SELF ONBOARDINGApollo comes with a fully digital onboarding process where you can simply take a selfie, upload necessary documents and instantly create a bank account. GET STARTED FASTQuickly access you account thru Apollo app by opening your bank account in 10 minutes - right from your phone. NO FEES ON DIGITAL TRANSACTIONSEnjoy Zero ATM fees, no minimum account balance, and no fund transfer charges from the app TRANSFER EFFORTLESSLYInstantly receive bank transfers in Ethiopia via Apollo App using your phone number. You can also transfer money easily to Apollo accounts, other bank accounts, Telebirr account ATM CASH DISBURSEMENTYou can easily send money to ATM and collect the money directly form any of Bank of Abyssinia ATMs BILL PAYMENTApollo has made paying bills much easier by allowing you to pay your Ethio Telecom, DSTV, US Visa, School Fee, WebSprix, CANAL+, Webirr, and Ethiopian Airlines bills SECURITY Apollo is equipped with state-of-the-art security features that incorporate biometrics, face recognition, and two-factor authentication of an OTP (One-Time-Password) to ensure your deposits are safe and easily accessible SCHEDULED TRANSFERSchedule your recurring payment that occur every week, month or any time interval using Apollo RELIABLE CUSTOMER SUPPORT Our Apollo Specialists are here to help, 7 days a week. Reach us via email or give us a call

About

Chapa Merchant

Manage your business finances on the go. Send payment links, accept payments via QR codes, and track sales trends. This app acts as your business manager, simplifying money management for merchants of all sizes.

Highlights
  • Send payment links
  • Accept payments via QR codes
  • Track sales trends
  • Manage money and sales
  • Transfer money
  • Access customer info
Features
Read full description

Chapa Merchant makes it convenient for anyone to run their business anytime, anywhere. With the Chapa Merchant app, you have what you request right at your fingertips. The Chapa Merchant app is the best app available to send payment links, track sales, and manage your money for merchants with businesses of all sizes. This app takes on the role of business manager for you while you’re busy working on your business instead of in it. This is more than just an app. You can turn your phone into a POS machine. With the Chapa Merchant app for iPhone, you can: - Send Payment Links - Generate QR codes and accept payments - Manage your money and sales - Track online account activity - Transfer money - See monthly, quarterly and yearly sales trends at a glance - Access your customer info quickly The Chapa Merchant app offers small business owners and merchants a quick and straightforward way to make and send payment links, get paid using QR codes, transfer, and manage their money from their phones. Finally, money management for your small business on the go has never been easier. Try it, and you will love it.

Screenshots

Apollo Digital4 screens
Chapa Merchant4 screens

Verdict

The call

The clearest difference is rating: Chapa Merchant at 3.8 against Apollo Digital's 3.0. Chapa Merchant also leads on update cadence (monthly vs every 2 months) and iOS requirement (12.0 vs 15.0). Apollo Digital's advantage is ratings volume (264 vs 10). 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

Chapa Merchant holds the better App Store score, 3.8 against 3.0. That said, the two scores are not equally well evidenced: Apollo Digital has 264 ratings behind it against 10, so its average is the more settled of the two.

UpkeepUpdate frequency

Apollo Digital ships an update every 2 months, Chapa Merchant monthly. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Apollo Digital versus Chapa Merchant: the parameters behind the verdict, then further details
ParameterApollo DigitalChapa Merchant
PriceFreeFree
Rating3.0 (264 ratings)3.8 (10 ratings) — better
Positive reviews29.2% of reviews—
Number of ratings264 — better10
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.012.0 — better
Further details — not scored
Size334 MB56 MB
Age rating4+4+
DeveloperBank of AbyssiniaChapa

Customer experience

Apollo Digital

All ratings261 ratings
Positive49.4%
Neutral5.4%
Negative45.2%
Written reviews72 reviews
Positive29.2%
Neutral8.3%
Negative62.5%

Chapa Merchant

All ratings9 ratings
Positive66.7%
Neutral11.1%
Negative22.2%

Bugs and requests

Apollo Digital

Reported bugs

14 issues
  • Face recognition login rejection
  • OTP input field rejects numeric entries
  • App crashes during onboarding
  • QR code scanning fails after updates
  • OTP not copying to clipboard automatically
Show 9 more
  • Device registration page freezes
  • Keyboard input not registering in OTP fields
  • File upload stalls during signup
  • Selfie capture takes excessive time on iPhone
  • Onboarding data incomplete error loop
  • Sign up/login contradictory error messages
  • App freezes on non-responsive screens
  • JWT authentication issues
  • Money transfer stuck in processing

Requested features

7 requests
  • Apple Face ID biometric authentication
  • Loan services on iOS (available on Android)
  • Document upload option during signup
  • Telebirr transfer functionality restoration
  • OTP automatic clipboard copying
Show 2 more
  • QR code scanning capability
  • Support for diaspora/international users

Chapa Merchant

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Apollo Digital

No in-app purchases

None

Chapa Merchant

No in-app purchases

Questions

Is Apollo Digital free?
Apollo Digital is free to download, with no in-app purchases.
Is Chapa Merchant free?
Chapa Merchant is free to download, with no in-app purchases.
Which has better reviews, Apollo Digital or Chapa Merchant?
Chapa Merchant is rated higher. Apollo Digital averages 3.0 out of 5 from 264 ratings, while Chapa Merchant averages 3.8 from 10 ratings.
Do Apollo Digital or Chapa Merchant have ads?
Neither Apollo Digital nor Chapa Merchant shows ads.
Which is updated more often, Apollo Digital or Chapa Merchant?
Apollo Digital ships an update every 2 months, and Chapa Merchant monthly. Most recently, Apollo Digital was updated on October 24, 2026 and Chapa Merchant on October 24, 2026.

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