# ZojaPay vs PointoneMFB Mobile

The clearest difference is ads: PointoneMFB Mobile at none against ZojaPay's shown. ZojaPay's advantage is iOS requirement (13.0 vs 15.1). On price, update cadence, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on August 26, 2026 and December 10, 2025 respectively.

## The numbers

| Metric | ZojaPay | PointoneMFB Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (42 ratings)](https://appshunter.io/ios/app/zojapay/id1638399129/reviews)** | — |
| Number of ratings | **42** | — |
| Positive 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 | — |
| Size | 122 MB | 42 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Zoja Technologies Limited](https://appshunter.io/developer/1637453081) | [Pointone Microfinance Bank Limited](https://appshunter.io/developer/1785691862) |

## 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


### PointoneMFB Mobile

[App page](https://appshunter.io/ios/app/pointonemfb-mobile/id6739632087)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is ZojaPay free?

ZojaPay is free to download, with no in-app purchases.

### Is PointoneMFB Mobile free?

PointoneMFB Mobile is free to download, with no in-app purchases.

### Do ZojaPay or PointoneMFB Mobile have ads?

ZojaPay shows ads; PointoneMFB Mobile does not.

### Which is updated more often, ZojaPay or PointoneMFB Mobile?

ZojaPay ships an update every 3 weeks, and PointoneMFB Mobile every 3 weeks. Most recently, ZojaPay was updated on August 26, 2026 and PointoneMFB Mobile on December 10, 2025.

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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.*