Comparison

ZojaPay vs The Flip App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Cash delivery requests
  • Become a mobile money agent
  • Earn passive income
  • Purchase and settle bills
  • QR code payments
  • Secure transactions
Features
Read 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

About

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.

Highlights
  • 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 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

ZojaPay4 screens
The Flip App4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

ZojaPay ships an update every 3 weeks, The Flip App every 9 days. Both last shipped on November 3, 2026.

Scorecard6 real differences · 4 level
ZojaPay versus The Flip App: the parameters behind the verdict, then further details
ParameterZojaPayThe Flip App
PriceFreeFree
Rating4.5 (44 ratings)5.0 (6 ratings) — better
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings44 — better6
Update frequencyEvery 3 weeksEvery 9 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better16.4
Further details — not scored
Size122 MB75 MB
Age rating4+4+
DeveloperZoja Technologies LimitedFlip Company AS

Customer experience

ZojaPay

All ratings42 ratings
Positive90.5%
Neutral7.1%
Negative2.4%
Written reviews30 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

The Flip App

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

ZojaPay

No in-app purchases

None

The Flip App

No in-app purchases

Questions

Is ZojaPay free?
ZojaPay is free to download, with no in-app purchases.
Is The Flip App free?
The Flip App is free to download, with no in-app purchases.
Which has better reviews, ZojaPay or The Flip App?
The Flip App is rated higher. ZojaPay averages 4.5 out of 5 from 44 ratings, while The Flip App averages 5.0 from 6 ratings.
Do ZojaPay or The Flip App have ads?
ZojaPay shows ads; The Flip App does not.
Which is updated more often, ZojaPay or The Flip App?
ZojaPay ships an update every 3 weeks, and The Flip App every 9 days. Most recently, ZojaPay was updated on November 3, 2026 and The Flip App on November 3, 2026.

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