# ZaPay vs RMR COBRA

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.

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.

## The numbers

| Metric | ZaPay | RMR COBRA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/rmr-cobra/id6697496295/reviews) |
| Number of ratings | **3** | 1 |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 11 months | **Every 7 months** |
| Monetization | Free | Free |
| Size | 27 MB | 8 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [ZaPay LLC](https://appshunter.io/developer/1632479999) | [Rocky Mountain Reserve, LLC](https://appshunter.io/developer/1412762632) |

## 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


### RMR COBRA

[App page](https://appshunter.io/ios/app/rmr-cobra/id6697496295)

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.

**Highlights:** Plan information visibility, Payment tracking, Notifications and messages, One-time payments, Scheduled and recurring payments, Bank account and credit card payments

**In-app purchases:** none


## Frequently asked questions

### Is ZaPay free?

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

### Is RMR COBRA free?

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

### Which has better reviews, ZaPay or RMR COBRA?

ZaPay is rated higher. ZaPay averages 3.7 out of 5 from 3 ratings, while RMR COBRA averages 1.0 from 1 ratings.

### Do ZaPay or RMR COBRA have ads?

Neither ZaPay nor RMR COBRA shows ads.

### Which is updated more often, ZaPay or RMR COBRA?

ZaPay ships an update every 11 months, and RMR COBRA every 7 months. Most recently, ZaPay was updated on October 24, 2026 and RMR COBRA on October 27, 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.*