Zip Authenticator vs Cloudflare One Agent
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Multi-factor authentication for Zip payments
- Displays transaction details (amount, payee)
- EU Strong Customer Authentication (SCA) compliance
- Easy QR code setup
- PIN-based verification
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Zip Authenticator | Cloudflare One Agent |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (6 ratings) — better | 3.8 (102 ratings) |
| Positive reviews | — | 43.6% of reviews |
| Number of ratings | 6 | 102 — better |
| Update frequency | Every 13 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.4 | 13.0 — better |
| Further details — not scored | ||
| Size | 17 MB | 75 MB |
| Age rating | 4+ | 4+ |
| Developer | ZipHQ, Inc. | Cloudflare |
Customer experience
Zip Authenticator
Cloudflare One Agent
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
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- 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
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- Support for iOS 18
- MASQUE setting
In-app purchases
Zip Authenticator
No in-app purchases
Cloudflare One Agent
No in-app purchases
Questions
Is Zip Authenticator free?
Is Cloudflare One Agent free?
Which has better reviews, Zip Authenticator or Cloudflare One Agent?
Do Zip Authenticator or Cloudflare One Agent have ads?
Which is updated more often, Zip Authenticator or Cloudflare One Agent?
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