ZaPay vs myAccess
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ZaPay
This app facilitates peer-to-peer lending among friends and family, offering automated payments and scheduled payback dates. It includes in-app chat for communication and a transaction history to track all financial exchanges.
- Automated payments
- Scheduled payback dates
- In-app chat
- Transaction history
- Star rating system
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Imagine a world where friends can lend money to friends without a care in the world? Imagine family spotting each other a few bucks with no worries at all. That time has arrived. If you don’t know now you know! ZaPay is the start of a brand new era in friends and family lending! Download today and start “ZaPayin” right away! ZaPay Features: - Automated Payments - Scheduled automated payback dates to ensure confidence and reduce confusion. - Chat Function in the app - Communicate with users within the app. - Transaction History - Keep record of every transaction - Star Rating system - Rate your fellow ZaPayers once the transaction is complete
myAccess
Manage your line of credit with digital tools for secure self-management. Request funds, make payments, and check balances efficiently. Set up alerts and autopay for a streamlined transactional process.
- Request funds
- Make payments
- Request line increase
- Enroll in autopay
- Check account balances
- View transactions
- Set up alerts
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As part of TriState Capital Bank, myAccess provides you with the digital tools you'll need to help securely self-manage your line of credit. These benefits offer you the opportunity to self-manage your line of credit efficiently resulting in a streamlined transactional process. Through myAccess, you can: • Request funds • Make a payment • Request a line increase • Enroll in monthly autopay • Check account balances • View transactions • Set-up email & text alerts Visit www.tscbank.com/myAccess to learn more.
Screenshots
Verdict
The clearest difference is rating: myAccess at 4.8 against ZaPay's 3.7. myAccess also leads on update cadence (every 2 months vs every 11 months) and ratings volume (60 vs 3). ZaPay's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, in-app purchases and device support 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.
myAccess holds the better App Store score, 4.8 against 3.7. That said, the two scores are not equally well evidenced: myAccess has 60 ratings behind it against 3, so its average is the more settled of the two.
ZaPay ships an update every 11 months, myAccess every 2 months. Both last shipped on October 24, 2026.
| Parameter | ZaPay | myAccess |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) | 4.8 (60 ratings) — better |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 3 | 60 — better |
| Update frequency | Every 11 months | Every 2 months — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 27 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | ZaPay LLC | TriState Capital Bank |
Customer experience
ZaPay
myAccess
In-app purchases
ZaPay
No in-app purchases
myAccess
No in-app purchases
