ZojaPay vs SENDCHEAP
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
SENDCHEAP
This fintech app simplifies financial transactions, allowing users to transfer money, use virtual cards, pay bills, and make offline payments. It aims to streamline financial management and offer cost savings.
- Seamless money transfers
- Virtual card convenience
- School fee payments
- Offline payment capability
- Bill settlement
- Financial transaction simplification
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Introducing SENDCHEAP APP - your all-in-one fintech solution! Transfer money seamlessly, enjoy virtual card convenience, pay school fees, make offline payments, settle bills, and more. Simplify your financial transactions and save money with SENDCHEAP APP. Download now and experience the future of finance at your fingertips!
Screenshots
Verdict
The clearest difference is rating: ZojaPay at 4.5 against SENDCHEAP's 2.0. ZojaPay also leads on ratings volume (42 vs 1) and iOS requirement (13.0 vs 15.6). SENDCHEAP's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ZojaPay holds the better App Store score, 4.5 against 2.0. That said, the two scores are not equally well evidenced: ZojaPay has 42 ratings behind it against 1, so its average is the more settled of the two.
ZojaPay ships an update every 3 weeks, SENDCHEAP every 6 weeks. The most recent releases landed on September 30, 2026 and September 19, 2026 respectively.
| Parameter | ZojaPay | SENDCHEAP |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (42 ratings) — better | 2.0 (1 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 42 — better | 1 |
| Update frequency | Every 3 weeks — better | Every 6 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 | 15.6 |
| Further details — not scored | ||
| Size | 122 MB | 84 MB |
| Age rating | 4+ | 17+ |
| Developer | Zoja Technologies Limited | SENDCHEAP LIMITED |
Customer experience
ZojaPay
SENDCHEAP
In-app purchases
ZojaPay
No in-app purchases
SENDCHEAP
No in-app purchases









