PayAveta vs Payemm
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayAveta
Manage your digital wallet for spending, sending, and withdrawing cash with minimal fees. Seamlessly transfer funds from PayPal, top up mobile airtime, and even engage with cryptocurrency. Enjoy instant, free peer-to-peer payments and secure virtual card options.
- Withdraw from PayPal
- Instant free money transfers
- Cryptocurrency buying and selling
- Mobile airtime top-up
- Virtual prepaid Mastercard withdrawals
- Low transaction fees
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Register for your PayAveta wallet - Your wallet's new superpower. Enjoy spending, sending and withdrawing cash with absurdly low fees. The world’s literally at your fingertips. Withdraw From PayPal Users can withdraw PayPal funds through supported partners, convert balances into USD or local currency, and manage their money securely all in one place. Once funds are available in your wallet, you can use them for transfers, payments, or convert them to supported virtual cards for online and in-store purchases. No hidden fees Say goodbye to those annoying and sudden deductions from your account balance that come out of nowhere: no maintenance charges, there’s no minimum amount to have an wallet with us. Pay people instantly - for free Why should you need to spend money to send money? Pay whoever you want, whenever you want, as many times as you want. It’s on us. A plus? We don’t do SMS and email OTP passwords for transfers so that also means transfers are lightening fast. Crypto Buy, sell, and receive cryptocurrency assets as remittance from any platform that supports crypto on the chain. Mobile Airtime Top-Up: Easily recharge your phone or loved ones' phones with mobile airtime from within the app. Top-up any network with just a few taps. Withdraw to Prepaid Mastercard: You can now withdraw funds directly to a non-reloadable virtual prepaid Mastercard. Use it for online shopping or link it to Apple Pay/Google Pay for contactless payments at stores. Rapidly responsive customer service We believe that contacting customer support ought to be as simple as texting a friend. Therefore, you may contact our PayaCare by in-app live chat at any time. We communicate in English, Emoji! We will constantly reply. You are in complete control. Cashout to any bank of your choice. Visit our Facebook and Instagram sites to stay up to speed on the latest PayAveta news. facebook.com/payaveta instagram.com/payaveta linkedin.com/company/payaveta Have any ideas? Contact us at developer@payaveta.com if you have any thoughts, comments, love, or recommendations on how we may enhance the user experience. Privacy Policy => http://www.payaveta.com/privacy-policy Terms & conditions => http://www.payaveta.com/terms
Payemm
Manage everyday spending, from groceries to online shopping, by splitting costs into four easy fortnightly payments. Earn rewards and cashback for making payments on time or early, building better financial habits.
- Split payments into 4 fortnightly installments
- Manage groceries, top-ups, and online shopping
- Earn rewards and cashback for timely payments
- Unlock benefits and bigger opportunities
- Transparent payment schedules and terms
- Secure transactions
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SHOP SMART. PAY OVER TIME. EARN BIG. Payemm is a Jamaican E-commerce app that helps you manage groceries, top-up, online shopping, gift cards, and everyday spending in 4 easy fortnightly payments. But Payemm is more than just flexible payments. Payemm rewards consistency. Make your payments EARLY or ON TIME and unlock rewards, cashback, benefits, and bigger opportunities over time. BUILT FOR HOW JAMAICANS REALLY SPEND Use Payemm for: • Groceries • Digicel top-up • Flow top-up • Amazon gift cards • Netflix • Restaurants • Fontana • Online shopping • 200+ local & international services Everything happens directly inside the app. No complicated transfers. No confusing systems. Simple structured payments designed for real life. HOW PAYEMM WORKS • Create your account • Verify your identity • Choose what you want to pay for • Split your total into 4 easy fortnightly payments You’ll always see: • your payment schedule • your due dates • your total cost before confirming. PAYEMM REWARDS CONSISTENCY Every payment you make to Payemm can help unlock more value through PayBucks rewards. The more consistent you are, the more rewards you can unlock. • Make payments EARLY or ON TIME • Build streaks and stay on track • Unlock bigger rewards over time Rewards may include: • Digicel top-ups • Flow top-ups • Local gift cards • International gift cards • Cashback • Exclusive offers and promotions KEEP YOUR STREAK ALIVE Consistency matters. Users who maintain early and on-time payment streaks may qualify for: • bigger rewards • special promotions • enhanced benefits • stronger account performance over time Late payments may affect reward eligibility and reset active streak progress. BUILT TO SUPPORT BETTER FINANCIAL HABITS Payemm encourages structured spending and responsible payment behaviour. Using Payemm responsibly and staying on track with scheduled payments may help support your financial progress over time. SIMPLE. CLEAR. TRANSPARENT. • Clear payment schedules • Transparent terms • Secure transactions • No hidden surprises Know exactly what you owe and when. DOWNLOAD PAYEMM TODAY Start shopping smarter, staying on track, and earning rewards for consistency. Spend, Pay, Earn, Repeat Visit payemm.com or connect with us: Instagram: @payemmjamaica Threads: @payemmjamaica TikTok: @payemmjamaica YouTube: @payemmjamaica
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Verdict
The clearest difference is review sentiment: Payemm at 50% against PayAveta's 0%. Payemm also leads on ads (none vs shown) and rating (3.7 vs 3.5). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Payemm holds the better App Store score, 3.7 against 3.5. Both are backed by a comparable volume of ratings — 4 and 3 respectively. Written reviews point the same way: 0% of PayAveta's written reviews are positive against 50% of Payemm's.
PayAveta ships an update fortnightly, Payemm every 3 weeks. The most recent releases landed on October 5, 2026 and October 6, 2026 respectively.
| Parameter | PayAveta | Payemm |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (4 ratings) | 3.7 (3 ratings) — better |
| Positive reviews | 0.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 4 — better | 3 |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15 | 15.0 |
| Further details — not scored | ||
| Size | 240 MB | 92 MB |
| Age rating | 17+ | 4+ |
| Developer | PayAveta Limited | Payemm Limited |
Customer experience
PayAveta
Payemm
In-app purchases
PayAveta
No in-app purchases
Payemm
No in-app purchases
