ZojaPay vs The Flip App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ZojaPay
This app simplifies peer-to-peer payments and cash access for the retail market. It allows users to request cash delivery, become mobile money agents to earn passive income, and pay bills. Secure transactions and QR code payments are also supported.
- Cash delivery requests
- Become a mobile money agent
- Earn passive income
- Purchase and settle bills
- QR code payments
- Secure transactions
Read full descriptionHide full description
ZojaPay is a peer-2-peer financial inclusion application that simplifies payment by making access to cash easy for the retail market. ZojaPay currently does this by empowering the following transaction model: - Cash Request: Users can request fro cash to be delivered to their desired location at the same local rate obtainable for normal agency banking withdrawal. Requests are automatically paired with providers around the user's location for the delivery to be done - Fast Agency Setup: Users looking to make quick cash can easily switch to the cash provider mode and they instantly become a mobile money agent to be automatically paired to cash requests for delivery around their location. These users also get to keep 70% of all revenue made on each transaction as passive income. Starting up a POS mobile money agent has never been easier than this. - Bills: Users can purchase bills and settle utilities right from their app from our range of bills at very cheap and affordable rates. - Security: We have privacy policies in place that places the security of our users and their properties as top priority. - QR Pay: With this feature, users can easily generate and share fund via QR to facilitate payments, giveaways or any distant payment function. We currently have an ongoing referral promo where users can earn N100 on every user referred to download and use the app. You follow us on Facebook,Instagram, Twitter, LinkedIn and YouTube - @zojapay Privacy Policy: https://zojapay.com/privacy Terms & Conditions: https://zojapay.com/terms-and-condition
The Flip App
Manage your money globally with this secure and simple app. Send, receive, and convert funds using phone numbers or wallet addresses, with stable dollar-based value options. Top up directly and convert back to local currency seamlessly.
- Send and receive funds globally
- Use phone numbers or wallet addresses
- Stable dollar-based value (USDT/USDM)
- Top up directly in the app
- Convert to local currency
- Non-custodial wallet
Read full descriptionHide full description
The Flip App – All your funds. One app Send, receive, swap, and manage your money globally, using just a phone number. Built for everyday use, non-custodial by design. Send funds in seconds Send using a phone number or a wallet address. The recipient doesn't need the app to get started — they'll get a text, download Flip, confirm, and their money's on its way. No wallet address required This is what makes Flip different. Send crypto to anyone with a phone number, whether or not they've used Flip before. Nine assets, one app Send and receive Bitcoin, Litecoin, Dogecoin, Dingocoin, Cardano (ADA), Polygon (POL), USDT, USDC, and USDM. Your digital dollars USDT, USDC, and USDM give you stable, dollar-based value. Simple and predictable, wherever you're sending. USDM on Cardano Send and receive USDM on the Cardano blockchain without holding ADA. Cardano-native, co-issued by Moneta and NBX. Built to make blockchain transactions seamless. Swap, right in the app Exchange between BTC, LTC, DOGE, USDT, and USDC without leaving Flip. Powered by InstaSwap, a third-party exchange. See the rate and fee before you confirm, every time. More pairs on the way. Top up directly in the app Buy funds through Banxa, our integrated partner, without leaving the app. Convert to local currency Move funds back to your bank account through Banxa, the same partner that powers top-ups. Flexible in, flexible out. You stay in control The Flip App is non-custodial by design. You control your private keys, your wallet, and your assets at all times. Flip – Powered by NBX Integrated with NBX, a regulated Norwegian exchange, unlocking new capabilities and future features. Coming soon We're building savings, a Visa card, and cash pickup at locations worldwide. Not live yet — but the foundation is here.
Screenshots
Verdict
The clearest difference is ads: The Flip App at none against ZojaPay's shown. The Flip App also leads on rating (5.0 vs 4.5) and monetization model (free vs free with in-app purchases). ZojaPay's advantage is ratings volume (44 vs 6) and iOS requirement (13.0 vs 16.4). On price, review sentiment, 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.
The Flip App holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: ZojaPay has 44 ratings behind it against 6, so its average is the more settled of the two. Written reviews split almost evenly too, at 100% and 100% positive.
ZojaPay ships an update every 3 weeks, The Flip App every 9 days. Both last shipped on November 3, 2026.
| Parameter | ZojaPay | The Flip App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (44 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 44 — better | 6 |
| Update frequency | Every 3 weeks | Every 9 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 122 MB | 75 MB |
| Age rating | 4+ | 4+ |
| Developer | Zoja Technologies Limited | Flip Company AS |
Customer experience
ZojaPay
The Flip App
In-app purchases
ZojaPay
No in-app purchases
The Flip App
No in-app purchases









