ZaPay vs PayNote
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
PayNote
Easily track money you've borrowed or lent to others. Record transaction details, set repayment dates, and add memos for clarity. The intuitive design makes managing your finances simple.
- Manage borrowed and lent money
- Record transaction details
- Set repayment deadlines
- Distinguish transaction status
- Add memos for details
- Intuitive and user-friendly design
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Smart Money Management App, PayNote - Easily manage borrowed and lent money. - Record transaction details and set repayment deadlines. - Distinguish between completed and pending transactions at a glance. - Add simple memos to keep track of important transaction details. - With an intuitive design and user-friendly UI, anyone can use it effortlessly.
Screenshots
Verdict
The clearest difference is review sentiment: PayNote at 100% against ZaPay's 50%. PayNote also leads on update cadence (every 5 months vs every 11 months). ZaPay's advantage is iOS requirement (13.0 vs 16.6). On price, ads, in-app purchases and monetization model 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 ships an update every 11 months, PayNote every 5 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.
| Parameter | ZaPay | PayNote |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) — better | — |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 3 — better | — |
| Update frequency | Every 11 months | Every 5 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 27 MB | 35 MB |
| Age rating | 4+ | 4+ |
| Developer | ZaPay LLC | SeungSeop Lim |
Customer experience
ZaPay
PayNote
In-app purchases
ZaPay
No in-app purchases
PayNote
No in-app purchases
