ZojaPay vs NetApps MoniFlow
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
NetApps MoniFlow
Streamline personal and business payments with a user-friendly digital platform. This app offers a secure and efficient alternative to traditional payment methods, allowing you to manage transactions on the go. Prioritizing data safety with robust encryption and authentication, it ensures a seamless payment experience.
- Enhanced customer satisfaction
- Cutting-edge bill payment services
- User-friendly digital platform
- Streamlined payment processes
- Secure data management
- On-the-go payment management
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Revolutionize your personal and business operations with our enhanced customer satisfaction and cutting-edge bill payment services. Netapps Marketplace provides a user-friendly digital platform that streamlines your payment processes, ensuring a seamless experience for you and your clients. Our services offer a hassle-free alternative to traditional payment methods, eliminating the need for cumbersome paperwork and reducing the risk of errors. With Netapps Marketplace, you can manage your payments on the go, anywhere, anytime. We prioritize the safety and security of our client's data, providing robust encryption and multi-layered authentication protocols to safeguard against potential breaches. Our team of experts is dedicated to delivering the highest level of service, ensuring that you can focus on growing your business without worrying about payment-related issues.
Screenshots
Verdict
The clearest difference is ads: NetApps MoniFlow at none against ZojaPay's shown. NetApps MoniFlow also leads on monetization model (free vs free with in-app purchases). ZojaPay's advantage is iOS requirement (13.0 vs 15.1). On price, rating, review sentiment and ratings volume 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.
On the App Store both sit at effectively the same score — 4.5 for ZojaPay against 4.6 for NetApps MoniFlow. Both are backed by a comparable volume of ratings — 44 and 30 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.
| Parameter | ZojaPay | NetApps MoniFlow |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (44 ratings) | 4.6 (30 ratings) — better |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 44 — better | 30 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 122 MB | 97 MB |
| Age rating | 4+ | 17+ |
| Developer | Zoja Technologies Limited | NetApps marketplace |
Customer experience
ZojaPay
NetApps MoniFlow
In-app purchases
ZojaPay
No in-app purchases
NetApps MoniFlow
No in-app purchases








