ZojaPay vs Rep AR
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
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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
Rep AR
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Scan for treasure chests in your location. Lets you open chests and read the contents inside. People can place video messages, greeting cards and other kinds of messages.
Screenshots
Verdict
The clearest difference is ads: Rep AR at none against ZojaPay's shown. Rep AR also leads on update cadence (every 5 days vs every 3 weeks). On price, in-app purchases, device support and iOS requirement 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.
ZojaPay ships an update every 3 weeks, Rep AR every 5 days. The most recent releases landed on October 18, 2026 and October 7, 2026 respectively.
| Parameter | ZojaPay | Rep AR |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (42 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 42 — better | — |
| Update frequency | Every 3 weeks | Every 5 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 122 MB | 132 MB |
| Age rating | 4+ | 17+ |
| Developer | Zoja Technologies Limited | Rawbots Interactive Inc. |
In-app purchases
ZojaPay
No in-app purchases
Rep AR
No in-app purchases









