# ZojaPay vs NetApps MoniFlow

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.

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.

## The numbers

| Metric | ZojaPay | NetApps MoniFlow |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (44 ratings)](https://appshunter.io/ios/app/zojapay/id1638399129/reviews) | **[4.6 (30 ratings)](https://appshunter.io/ios/app/netapps-moniflow/id1669035117/reviews)** |
| Number of ratings | **44** | 30 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 122 MB | 97 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Zoja Technologies Limited](https://appshunter.io/developer/1637453081) | [NetApps marketplace](https://appshunter.io/developer/1669035119) |

## What reviewers say

### ZojaPay

[App page](https://appshunter.io/ios/app/zojapay/id1638399129)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### NetApps MoniFlow

[App page](https://appshunter.io/ios/app/netapps-moniflow/id1669035117)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*