Comparison

ZojaPay vs NetApps MoniFlow

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

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.

Highlights
  • Enhanced customer satisfaction
  • Cutting-edge bill payment services
  • User-friendly digital platform
  • Streamlined payment processes
  • Secure data management
  • On-the-go payment management
Features
Read full description

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

ZojaPay4 screens
NetApps MoniFlow4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

Scorecard3 real differences · 7 level
ZojaPay versus NetApps MoniFlow: the parameters behind the verdict, then further details
ParameterZojaPayNetApps MoniFlow
PriceFreeFree
Rating4.5 (44 ratings)4.6 (30 ratings) — better
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings44 — better30
Update frequencyEvery 3 weeksEvery 3 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.1
Further details — not scored
Size122 MB97 MB
Age rating4+17+
DeveloperZoja Technologies LimitedNetApps marketplace

Customer experience

ZojaPay

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

NetApps MoniFlow

All ratings30 ratings
Positive90.0%
Neutral3.3%
Negative6.7%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

ZojaPay

No in-app purchases

None

NetApps MoniFlow

No in-app purchases

Questions

Is ZojaPay free?
ZojaPay is free to download, with no in-app purchases.
Is NetApps MoniFlow free?
NetApps MoniFlow is free to download, with no in-app purchases.
Which has better reviews, ZojaPay or NetApps MoniFlow?
NetApps MoniFlow is rated higher. ZojaPay averages 4.5 out of 5 from 44 ratings, while NetApps MoniFlow averages 4.6 from 30 ratings.
Do ZojaPay or NetApps MoniFlow have ads?
ZojaPay shows ads; NetApps MoniFlow does not.
Which is updated more often, ZojaPay or NetApps MoniFlow?
ZojaPay ships an update every 3 weeks, and NetApps MoniFlow every 3 weeks. Most recently, ZojaPay was updated on October 22, 2026 and NetApps MoniFlow on October 24, 2026.

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