Comparison

PayOnlime vs MoMo App

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

Head to head
About

PayOnlime

Features
Read full description

PayOnlime is the cheapest and most secure way to send money to friends and family across the world. Our app features a fast and intuitive interface that allows you to send and receive money in just a few taps. Our app also features a built-in calculator to help you see how much your transfer will cost in real-time. Plus, you can track your transfers and see their status in your account history. We take security seriously, so all your transactions are encrypted and protected with industry-standard security measures. CROSS-BORDER TRANSFER WHETHER you need to send money to a loved one across the globe or just need to pay a bill, our app has you covered. TRANSFER TO MOBILE MONEY, BANK ACCOUNT, CASH COLLECTION Send money from PayOnlime to Mobile Money wallets, Bank Accounts, or for Cash Pick Up worldwide instantly and securely. - Send money to 73+ countries including Guinea, Ghana, Nigeria, South Africa, Sierra Leone, Benin, Senegal, Cameroon, Uganda, Malawi, Mozambique, Rwanda, Tanzania, Morocco, Zimbabwe, Ethiopia, Mali, Ivory Coast, Kenya, UK, India, China, France, UAE, Malaysia, Turkey, Belgium, Cyprus, Austria. - Choose from mobile money options like Orange Money, AfriMoney, MTN MoMo, AirtelTigo, Zeepay, Vodafone Cash, and Alipay. - Send to 50+ trusted banks like UBA, Ecobank, Fidelity Bank, Zenith Bank, Standard Chartered Bank, Access Bank, GT Bank, Wema Bank, Fidelity Bank, Standard Bank UK, Metro Bank UK, Barclays Bank UK, Halifax Bank UK. - Recipients can pick up their money at over 1,000+ cash pick-up locations. MULTI-CURRENCY WALLET Receive payments from friends and family and easily convert them to another currency. RATE CALCULATOR Check rates anywhere and anytime.

About

MoMo App

Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.

Highlights
  • All financial needs in one place
  • Secure biometric login
  • Send and receive money
  • Instant bill payments
  • Access loans and advances
  • Virtual card for online shopping
  • Scan and pay with QR codes
Features
Currently charting
Read full description

Send and receive money locally and internationally effortlessly with MoMo. Features: • Send and receive money locally and internationally • Pay bills quickly and securely • Deposit and CashOut with ease • Scan and pay with QR codes • Shop online safely with a virtual card • Access loans and advances when you need them • Grow your money with savings and investment options • Buy airtime and data instantly • Buy tickets for events and services • Secure biometric login for fast access App Availability: Available in Benin, Cameroon, Congo-Brazzaville, Côte d'Ivoire, Ghana, Uganda, and Zambia. South Africa and Nigeria users can download their dedicated local MoMo apps.

Screenshots

PayOnlime4 screens
MoMo App4 screens

Verdict

The call

The clearest difference is ads: MoMo App at none against PayOnlime's shown. MoMo App also leads on chart position (#177 vs unranked). PayOnlime's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.0). On price, update cadence 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

PayOnlime ships an update every 5 weeks, MoMo App monthly. The most recent releases landed on October 15, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 7 level
PayOnlime versus MoMo App: the parameters behind the verdict, then further details
ParameterPayOnlimeMoMo App
PriceFreeFree
Rating—3.5 (1.4K ratings) — better
Positive reviews—22.3% of reviews
Number of ratings—1.4K — better
Update frequencyEvery 5 weeksMonthly — better
AdsYesNo — better
In-app purchasesNoNo
Monetization—Free
Best chart rank—#177 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS13.0 — better16.0
Further details — not scored
Size89 MB90 MB
Age rating4+17+
DeveloperOnlime LimitedMTN FINTECH(PTY) LTD

Bugs and requests

PayOnlime

Not enough reviews yet to summarise bugs or requests.

MoMo App

Reported bugs

5 issues
  • OTP generation failure
  • Verification link issues
  • Inability to log in
  • Unresponsive app features
  • Incompatibility with eSIM

Requested features

5 requests
  • Add YelloSave feature
  • Improve verification process
  • Integrate more services
  • Allow profile picture customization
  • Optimize app performance

In-app purchases

None

PayOnlime

No in-app purchases

None

MoMo App

No in-app purchases

Questions

Is PayOnlime free?
PayOnlime is free to download, with no in-app purchases.
Is MoMo App free?
MoMo App is free to download, with no in-app purchases.
Do PayOnlime or MoMo App have ads?
PayOnlime shows ads; MoMo App does not.
Which is updated more often, PayOnlime or MoMo App?
PayOnlime ships an update every 5 weeks, and MoMo App monthly. Most recently, PayOnlime was updated on October 15, 2026 and MoMo App on October 24, 2026.

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