# ZaPay vs myAccess

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.

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.

## The numbers

| Metric | ZaPay | myAccess |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews) | **[4.8 (60 ratings)](https://appshunter.io/ios/app/myaccess-borrower-platform/id6443602386/reviews)** |
| Number of ratings | 3 | **60** |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 11 months | **Every 2 months** |
| Monetization | **Free** | Ad-supported |
| Size | 27 MB | 17 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ZaPay LLC](https://appshunter.io/developer/1632479999) | [TriState Capital Bank](https://appshunter.io/developer/1436318163) |

## What reviewers say

### ZaPay

[App page](https://appshunter.io/ios/app/zapay/id1632479997)

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.

**Highlights:** Automated payments, Scheduled payback dates, In-app chat, Transaction history, Star rating system

**In-app purchases:** none


### myAccess

[App page](https://appshunter.io/ios/app/myaccess-borrower-platform/id6443602386)

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.

**Highlights:** Request funds, Make payments, Request line increase, Enroll in autopay, Check account balances, View transactions, Set up alerts

**In-app purchases:** none


## Frequently asked questions

### Is ZaPay free?

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

### Is myAccess free?

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

### Which has better reviews, ZaPay or myAccess?

myAccess is rated higher. ZaPay averages 3.7 out of 5 from 3 ratings, while myAccess averages 4.8 from 60 ratings.

### Do ZaPay or myAccess have ads?

myAccess shows ads; ZaPay does not.

### Which is updated more often, ZaPay or myAccess?

ZaPay ships an update every 11 months, and myAccess every 2 months. Most recently, ZaPay was updated on October 24, 2026 and myAccess on October 24, 2026.

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