Comparison

Zip Authenticator vs Cloudflare One Agent

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

Head to head
About

Zip Authenticator

Enhance financial transaction security with multi-factor authentication for Zip users. Approve payments directly from your mobile device, receiving detailed transaction information before confirmation. Compliant with EU regulations for secure online payments.

Highlights
  • Multi-factor authentication for Zip payments
  • Displays transaction details (amount, payee)
  • EU Strong Customer Authentication (SCA) compliance
  • Easy QR code setup
  • PIN-based verification
Read full description

With Zip Authenticator, Zip users (ziphq.com) gain an added layer of security for financial transactions by authenticating payments that are approved in Zip. Zip Authenticator ensures you are fully aware of the transaction about to happen, providing the details of the type, value and payee of the transaction, and then allowing you to approve the transaction on your mobile device. This provides strong 2-factor authentication of financial transactions compliant with EU Secure Customer Authentication (SCA) regulations. Zip Authenticator is easy to configure. To set up your authentication, you’ll first link a mobile device and create a pin. As you complete various payment-related activities in Zip, you’ll be prompted to enter your pin, which will generate a QR code. Then, open up your Zip Authenticator app to scan the QR code and verify your identity. Features include - Provides multi-factor authentication for B2B payment transactions in Zip (ziphq.com) - Displays payment details within the payment authentication alert, including amount and payee - Allows organizations using Zip for payments to comply with EU Strong Customer Authentication (SCA) regulations - Easy setup via QR code To use Zip Authenticator with Zip, you need to set up a pin on Zip > Personal settings. Visit www.ziphq.com/personal-settings/payout-authentication to get started.

About

Cloudflare One Agent

This application enhances internet privacy and security by routing device traffic through a global network for advanced filtering and threat protection. It enforces Zero Trust policies for corporate application access and encrypts traffic to prevent surveillance.

Highlights
  • Securely routes traffic to global network
  • Applies advanced web filtering
  • Enforces Zero Trust policies
  • Protects against malware and phishing
  • Encrypts outbound traffic for privacy
  • One-touch setup
Features
Read full description

Cloudflare Zero Trust Client – the Enterprise-supported application that makes your Internet more private and secure. The Cloudflare Zero Trust Client allows you to protect corporate devices by securely and privately sending traffic from your device to Cloudflare’s global network, where Cloudflare Gateway can apply advanced web filtering. Cloudflare Zero Trust Client makes it possible to apply Zero Trust policies that check for a device’s health before being able to access corporate applications. • A better way to connect Cloudflare Zero Trust Client replaces the connection between your phone and the Internet with a modern, optimized, protocol that protects your device and access to corporate resources. • Stronger privacy Cloudflare Zero Trust Client prevents third-party surveillance by encrypting more of the traffic leaving your phone. We believe privacy is a right. We won't sell your data. • Increased security Cloudflare Zero Trust Client protects your device from security threats like malware, phishing, crypto-mining and other security threats. • Easy to use One-touch setup for a safer and more private Internet. Install it today and experience increased privacy in seconds.

Screenshots

Zip Authenticator4 screens
Cloudflare One Agent4 screens

Verdict

The call

The clearest difference is rating: Zip Authenticator at 5.0 against Cloudflare One Agent's 3.8. Cloudflare One Agent's advantage is update cadence (every 6 weeks vs every 13 months) and ratings volume (102 vs 6). 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

Zip Authenticator holds the better App Store score, 5.0 against 3.8. That said, the two scores are not equally well evidenced: Cloudflare One Agent has 102 ratings behind it against 6, so its average is the more settled of the two.

UpkeepUpdate frequency

Zip Authenticator ships an update every 13 months, Cloudflare One Agent every 6 weeks. The most recent releases landed on September 17, 2026 and October 2, 2026 respectively.

Scorecard3 real differences · 7 level
Zip Authenticator versus Cloudflare One Agent: the parameters behind the verdict, then further details
ParameterZip AuthenticatorCloudflare One Agent
PriceFreeFree
Rating5.0 (6 ratings) — better3.8 (102 ratings)
Positive reviews—43.6% of reviews
Number of ratings6102 — better
Update frequencyEvery 13 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.413.0 — better
Further details — not scored
Size17 MB75 MB
Age rating4+4+
DeveloperZipHQ, Inc.Cloudflare

Customer experience

Zip Authenticator

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Cloudflare One Agent

All ratings102 ratings
Positive68.6%
Neutral3.9%
Negative27.5%
Written reviews55 reviews
Positive43.6%
Neutral14.5%
Negative41.8%

Bugs and requests

Zip Authenticator

Not enough reviews yet to summarise bugs or requests.

Cloudflare One Agent

Reported bugs

18 issues
  • Inputting verification code has no response
  • Endless cycle of connecting and disconnecting VPN
  • Interferes with App Store Wi-Fi connection during upgrades
  • Device info only mode never works with local network config
  • Cannot generate certificate for device information only mode
Show 13 more
  • VPN toggle does not turn off
  • Using excessive cellular data
  • Errors every update
  • Zero trust not connecting after updates
  • Battery drain and connection issues after update
  • Not working after 1.5 update
  • Cannot find MASQUE setting
  • Connect and disconnect every 2-3 minutes
  • Not working with Zero Trust
  • Bug prevents Cloudflare Teams users from connecting
  • Not connecting to servers
  • Automatic profile switching based on managed networks not working in background
  • App hangs when logging into zero trust domain

Requested features

7 requests
  • Indicator on app icon for VPN status
  • Better integration with iOS VPN settings
  • Dark mode icon
  • Ability to disable for specific apps
  • Add back Shortcut's ability to connect
Show 2 more
  • Support for iOS 18
  • MASQUE setting

In-app purchases

None

Zip Authenticator

No in-app purchases

None

Cloudflare One Agent

No in-app purchases

Questions

Is Zip Authenticator free?
Zip Authenticator is free to download, with no in-app purchases.
Is Cloudflare One Agent free?
Cloudflare One Agent is free to download, with no in-app purchases.
Which has better reviews, Zip Authenticator or Cloudflare One Agent?
Zip Authenticator is rated higher. Zip Authenticator averages 5.0 out of 5 from 6 ratings, while Cloudflare One Agent averages 3.8 from 102 ratings.
Do Zip Authenticator or Cloudflare One Agent have ads?
Neither Zip Authenticator nor Cloudflare One Agent shows ads.
Which is updated more often, Zip Authenticator or Cloudflare One Agent?
Zip Authenticator ships an update every 13 months, and Cloudflare One Agent every 6 weeks. Most recently, Zip Authenticator was updated on September 17, 2026 and Cloudflare One Agent on October 2, 2026.

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