ZaPay vs RMR COBRA
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
RMR COBRA
Manage your financial plans and payments on the go with an intuitive interface. View payment history, receive notifications, and make one-time or scheduled payments using bank accounts or credit cards.
- Plan information visibility
- Payment tracking
- Notifications and messages
- One-time payments
- Scheduled and recurring payments
- Bank account and credit card payments
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Stay up to date and worry free with the RMR COBRA & Direct Billing App! Manage your plans 24/7 through the intuitive design and navigation while on the go. Powerful features of this app include (if supported by your account): Plan Information ● Get visibility on payments made to your plan ● View notifications and receive messages from your administrator to stay up to date on your record ● Click to call or email Customer Service Making Payments ● Make one-time payments when most convenient for you ● Schedule future and recurring payments to put you at ease ● Use your bank account or credit card Powered by WEX®
Screenshots
Verdict
The clearest difference is rating: ZaPay at 3.7 against RMR COBRA's 1.0. ZaPay also leads on ratings volume (3 vs 1) and iOS requirement (13.0 vs 15.0). On price, update cadence, ads 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.
ZaPay holds the better App Store score, 3.7 against 1.0. Both are backed by a comparable volume of ratings — 3 and 1 respectively.
ZaPay ships an update every 11 months, RMR COBRA every 7 months. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.
| Parameter | ZaPay | RMR COBRA |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 3 — better | 1 |
| Update frequency | Every 11 months | Every 7 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 27 MB | 8 MB |
| Age rating | 4+ | 17+ |
| Developer | ZaPay LLC | Rocky Mountain Reserve, LLC |
In-app purchases
ZaPay
No in-app purchases
RMR COBRA
No in-app purchases
