Comparison

Assuraf vs TomiPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Assuraf

This platform simplifies insurance access across Africa, offering transparent and accessible protection solutions. It acts as a digital hub for insurance aggregation, distribution, and advice, aiming to provide essential social protection to all.

Highlights
  • Insurance aggregation platform
  • Online distribution of insurance products
  • Digital insurance advice
  • Transparent insurance solutions
  • Accessible insurance for all
Features
Read full description

L'assurance Simplement ! ASSURAF est une AssurTech panafricaine basée à Dakar (Sénégal). Véritable laboratoire de Recherche et Innovation, fournisseur de solutions métier et 1ère plateforme digitale 100% Africaine d'agrégation d'assurance; et portail de distribution en ligne de conseils et produits en assurance. Dans nos sociétés Africaines ou beaucoup ne bénéficient pas de services prioritaires de protection sociale, Assuraf leur propose l'Assurance autrement: simple, transparente et accessible à Tous !

About

TomiPay

Features
Read full description

Turn your iPhone into a full point-of-sale system. Accept Tap to Pay, QR Code, Mobile Money and cash, no card reader required. TomiPay is the merchant app that puts every payment rail in one place. Whether you sell coffee in Vancouver, groceries in Kinshasa, or online from anywhere in the world — TomiPay works. PAYMENTS INCLUDED, ZERO FEES: • Tap to Pay: accept Visa, Mastercard, American Express, Apple Pay and Google Pay directly on your iPhone. No hardware, no monthly fee. • Mobile Money: Orange Money, M-Pesa, MTN, Wave, Airtel, Vodacom and more, across 12 African markets. • QR Code checkout: instant card payment in Greece, UAE, Thailand, Hong Kong and more. • Split Pay: offer installments to your customers with one tap. • TomiPay Wallet: peer-to-peer transfers between merchants and customers. POINT OF SALE, INCLUDED: • AI-powered product catalog: snap a photo, TomiPay generates the listing. • Real-time inventory and stock control. • Customer loyalty program with points and rewards. • Self-checkout so your customers pay themselves from their phone. • Online store — sell without building a website. • Team management with staff roles and permissions. • Real-time analytics: revenue, best-sellers, customer insights. GLOBAL COVERAGE: Active payment processing — from Canada to Congo, France to Fiji, Sydney to Athens. And everywhere else, the free POS still runs so you can sell, track customers, and grow before payment rails arrive in your market. WHY MERCHANTS CHOOSE TOMIPAY: • Zero monthly fee. Zero subscription. Free POS forever. • Under 3 minutes from download to first sale. • Works alongside your existing tools. • Built for developed AND emerging markets in the same app. Perfect for restaurants, cafés, retail shops, boutiques, food trucks, service providers, event vendors, mobile businesses, market stalls, and anyone selling face-to-face or online. Download TomiPay today. Accept your first payment in minutes.

Screenshots

Assuraf4 screens
TomiPay4 screens

Verdict

The call

The clearest difference is update cadence: Assuraf at weekly against TomiPay's fortnightly. Assuraf also leads on iOS requirement (14.0 vs 17.6). On price, ads, 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Assuraf ships an update weekly, TomiPay fortnightly. The most recent releases landed on October 6, 2026 and October 16, 2026 respectively.

Scorecard2 real differences · 7 level
Assuraf versus TomiPay: the parameters behind the verdict, then further details
ParameterAssurafTomiPay
PriceFreeFree
Rating5.0 (2 ratings) — better—
Number of ratings2 — better—
Update frequencyWeekly — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS14.0 — better17.6
Further details — not scored
Size64 MB87 MB
Age rating17+4+
DeveloperAssurafTomiPay Inc.

In-app purchases

None

Assuraf

No in-app purchases

None

TomiPay

No in-app purchases

Questions

Is Assuraf free?
Assuraf is free to download, with no in-app purchases.
Is TomiPay free?
TomiPay is free to download, with no in-app purchases.
Do Assuraf or TomiPay have ads?
Neither Assuraf nor TomiPay shows ads.
Which is updated more often, Assuraf or TomiPay?
Assuraf ships an update weekly, and TomiPay fortnightly. Most recently, Assuraf was updated on October 6, 2026 and TomiPay on October 16, 2026.

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