# NayaPay vs Elevate Pay

NayaPay and Elevate Pay both sit at 4.7 stars, but that hides the real split: 91% of Elevate Pay's written reviews are positive against 32% of NayaPay's. Elevate Pay also leads on monetization model (free vs free with in-app purchases) and device support (3 vs 1). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.7 for NayaPay against 4.7 for Elevate Pay. Both are backed by a comparable volume of ratings — 1.1K and 437 respectively. Written reviews are what separate them: 32% of NayaPay's written reviews are positive against 91% of Elevate Pay's.

NayaPay ships an update every 2 weeks, Elevate Pay fortnightly. The most recent releases landed on September 25, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | NayaPay | Elevate Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (1.1K ratings)](https://appshunter.io/ios/app/nayapay/id1621286305/reviews) | [4.7 (437 ratings)](https://appshunter.io/ios/app/elevate-pay-usd-banking/id6446812091/reviews) |
| Number of ratings | **1.1K** | 437 |
| Positive reviews | 31.6% of reviews | **91.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 371 MB | 75 MB |
| Requires iOS | 16.0 | **15.5** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [NAYAPAY (PVT.) LIMITED](https://appshunter.io/developer/1621286307) | [Bloom Financial Technologies, Inc.](https://appshunter.io/developer/1596804091) |

## What reviewers say

### NayaPay

[App page](https://appshunter.io/ios/app/nayapay/id1621286305)

Manage all your finances in one place. Send money, pay bills, receive international remittances, and shop worldwide with a free Visa debit card. Get started instantly with no hidden fees.

**Highlights:** Send and receive money instantly, Pay bills from hundreds of merchants, Receive global remittances, Free virtual and physical Visa debit cards, Mobile top-ups and bundles, In-app chat for payments

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Best and fast
- 👍 Excellent Banking App
- 👍 Must Have
- 👍 Amazing..! Keep the good work up
- 👍 The very best out there!

**What reviewers complain about**

- 💰 Scammers. Non-transparent fees.
- 🐢 Slow and rude team
- 🚫 Not being able to receive OTP
- 🚫 Account Blocked — No Response from Support
- 💰 Nayapay is a Scam..Scammers

**Reported bugs**

- Transaction history and the screenshot
- Crashes when i try to authenticate.
- Not being able to pay my Utility bills

**Requested features**

- Add card support for Apple Pay wallet
- Previous screen shot option and transaction history has the full details of sender but now its hide so we cant see the account no and other this in history or in SS so please chnage the ss system or do the previous one which is perfect 👍
- Nayapay also should add personal loans option
- Utility bills ?


### Elevate Pay

[App page](https://appshunter.io/ios/app/elevate-pay-usd-banking/id6446812091)

This app offers a complete USD digital banking experience for freelancers and remote workers. Open a US-based account, send money home with competitive FX rates, and manage your finances globally.

**Highlights:** USD digital banking, US-based ACH-enabled account, Competitive FX rates for international transfers, Banking services via licensed partners, Global financial management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable
- 👍 User-friendly interface
- 💰 Competitive exchange rates
- 💳 Convenient virtual card
- 💸 Low transaction fees

**What reviewers complain about**

- 🔍 Lack of transparency on fees
- ⏱️ Slow withdrawal times
- 🚫 Limited availability of virtual cards
- 📉 Lower exchange rates compared to competitors

**Reported bugs**

- Occasional payment failures
- Account verification issues

**Requested features**

- Detailed transaction history and notifications
- Physical debit card option
- Expansion to more countries
- Improved customer support response times


## Frequently asked questions

### Is NayaPay free?

NayaPay is free to download, with no in-app purchases.

### Is Elevate Pay free?

Elevate Pay is free to download, with no in-app purchases.

### Which has better reviews, NayaPay or Elevate Pay?

NayaPay and Elevate Pay are both rated 4.7 out of 5 on the App Store, from 1.1K and 437 ratings respectively.

### Do NayaPay or Elevate Pay have ads?

Neither NayaPay nor Elevate Pay shows ads.

### Which is updated more often, NayaPay or Elevate Pay?

NayaPay ships an update every 2 weeks, and Elevate Pay fortnightly. Most recently, NayaPay was updated on September 25, 2026 and Elevate Pay on September 23, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*