Comparison

GAJA vs Bilpay

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

Head to head
About

GAJA

This app provides a comprehensive digital payment solution for all your needs. It integrates various transaction types, including money transfers, bill payments, and merchant purchases via QRIS scan. Enjoy safe and guaranteed transactions with access to exclusive promos and vouchers.

Highlights
  • Send money anytime, anywhere
  • Easy bill payments
  • QRIS scan for merchant purchases
  • Virtual account top-ups
  • Safe and guaranteed transactions
  • Exclusive promos and vouchers
Features
Read full description

Pay for all your needs anytime and anywhere with Gaja Digital Payment! Gaja Digital Payment offers various digital transaction integrated only in one application. With more than 3000 merchant from 150 leading brands under MAP involved, transaction with Gaja would make your purchasing a pleasant experience. Take a look on Gaja Digital Payment top feature, here 1. Send Money Anytime, Anywhere Transfer services at Gaja can be used from transfers to fellow Gaja users up until transfers to bank accounts without any problems. 2. Easy Way to Pay Bills From purchasing data packages to postpaid card payments, you can also pay all the electricity and BPJS Kesehatan bills easily from Gaja. 3. Ease of Purchase Make payments for purchases at various merchants easily through the QRIS scan feature. 4. Top-Up Easily via Virtual Account 5. Safe and Guaranteed Transactions. Gaja Digital Payment has been registered to Bank Indonesia, all financial transactions are guaranteed to be safe and reliable. 6. Explore Various Interesting Promos Find various attractive promos from merchants who have used Gaja and access exclusive vouchers that can only be obtained when transacting using Gaja Digital Payment.

About

Bilpay

Features
Read full description

BILPAY hadir sebagai aplikasi dompet digital (E-Wallet) yang dibuat untuk melengkapi percepatan ekonomi digital di Indonesia dan memberikan kemudahan dalam proses transaksi dengan menyediakan fitur Pembelian dan Pembayaran untuk memenuhi kebutuhan sehari-hari anda agar menjadi lebih cepat dengan BILPAY! Top up saldo Bisa Top up dengan berbagai macam metode pembayaran yang tersedia (ATM Internet/Mobile Banking) Pembayaran dengan Scan QRIS Fitur scan QR Code (QRIS) diluncurkan demi mendukung perkembangan ekonomi digital. Melalui sistem QRIS, pembayaran digital menjadi lebih mudah. Pengguna cukup scan QR Code yang tersedia di merchant, dan pembayaran otomatis berhasil. Transfer Bank Kamu bisa kirim uang ke berbagai tujuan dengan biaya admin lebih hemat. Gratis Transfer Ke sesama BILPAY Rasakan nikmat nya GRATIS transfer ke sesama BILPAY tanpa biaya admin! Beli Pulsa & Bayar Tagihan Beli pulsa, paket data dan bayar tagihan sesuai kebutuhan mu di BILPAY aja. Ada Catatan Riwayat Transaksi History transaksi ini akan berguna untuk melihat stabilitas keuangan mu. Layanan & Keamanan BILPAY BILPAY akan memastikan transaksi dan penyimpanan uangmu aman. Dengan layanan Customer Service 24 Jam. BILPAY telah mendapat izin dan juga diawasi oleh Bank Indonesia jadi terjamin keamanan nya. Ayo!! Jadikan BILPAY dompet digital mu untuk transaksi lebih cepat dan praktis, karena #IngatBayarIngatBilpay Sosial media BILPAY Follow sosial media resmi BILPAY untuk update berbagai fitur terkini di Instagram (@bilpay_id) Twitter (@bilpay_id / BilPay Indonesia) Facebook (BilPay Indonesia) Tiktok (@bilpayindonesia / bilpay_id)

Screenshots

GAJA4 screens
Bilpay4 screens

Verdict

The call

The clearest difference is update cadence: Bilpay at weekly against GAJA's every 2 months. 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

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

GAJA ships an update every 2 months, Bilpay weekly. The most recent releases landed on October 14, 2026 and October 1, 2026 respectively.

Scorecard1 real difference · 9 level
GAJA versus Bilpay: the parameters behind the verdict, then further details
ParameterGAJABilpay
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 2 monthsWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.515.5
Further details — not scored
Size80 MB48 MB
Age rating4+4+
DeveloperPT GPay Digital AsiaPT Tuas Mas Mandiri Digital Payment

In-app purchases

None

GAJA

No in-app purchases

None

Bilpay

No in-app purchases

Questions

Is GAJA free?
GAJA is free to download, with no in-app purchases.
Is Bilpay free?
Bilpay is free to download, with no in-app purchases.
Do GAJA or Bilpay have ads?
Neither GAJA nor Bilpay shows ads.
Which is updated more often, GAJA or Bilpay?
GAJA ships an update every 2 months, and Bilpay weekly. Most recently, GAJA was updated on October 14, 2026 and Bilpay on October 1, 2026.

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