WayaQuick vs Moni
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
WayaQuick
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WayaQuick is the merchant app that helps Nigerian businesses accept payments and get paid. Create a payment link or send an invoice in seconds, and let customers pay you by card, bank transfer, USSD or wallet. Then follow every naira from payment to settlement in one simple dashboard. No website or coding needed. Create your business account, verify your business in the app and start collecting payments from customers anywhere in Nigeria. ACCEPT PAYMENTS WITH PAYMENT LINKS ⢠Create a one-time or recurring payment link in a few taps ⢠Share your payment link on WhatsApp, Instagram, SMS or email ⢠Customers pay by card, bank transfer, USSD or wallet on a secure checkout ⢠Ideal for online stores, social media vendors and service businesses SEND INVOICES THAT GET PAID ⢠Create professional invoices with line items and a payment due date ⢠Send each invoice to your customer to pay online ⢠Keep track of every invoice you have issued RECURRING PAYMENTS AND SUBSCRIPTIONS ⢠Create subscription plans for memberships, school fees, rent, retainers and other repeat services ⢠Customers add their card once and are billed on schedule BANK TRANSFER WITH VIRTUAL ACCOUNTS ⢠Generate a virtual account number so customers can pay you by bank transfer ⢠See each transfer in your account history TRACK EVERY TRANSACTION ⢠Dashboard with your revenue, balance and monthly revenue chart ⢠Search and filter transactions by status, date and reference ⢠Export transactions and settlements to CSV for your accountant ⢠Notifications for payments and account activity SETTLEMENTS AND PAYOUTS ⢠Next-working-day (T+1) settlement into your Nigerian bank account ⢠Or settle instantly into your Waya account ⢠Add settlement accounts and choose where your money goes ⢠Withdraw your balance and send payouts to any bank in Nigeria ⢠Every payout is protected by your transaction PIN CUSTOMERS, DISPUTES AND YOUR TEAM ⢠Keep your customer list in one place ⢠Track and respond to customer disputes ⢠Invite staff to your dashboard and give each person the right role ⢠Activity log of every action taken on your account BUILT FOR DEVELOPERS TOO ⢠View your API keys and switch between test mode and live mode ⢠Set webhook and callback URLs for your website or app ⢠Add WayaQuick checkout to your website with our payment gateway API SECURITY YOU CAN TRUST ⢠Transaction PIN for withdrawals and payouts ⢠Two-factor authentication (2FA) ⢠Face ID and Touch ID sign-in ⢠Automatic sign-out after 15 minutes of inactivity ⢠API keys, PINs and one-time codes hidden while your screen is recorded or shared HELP WHEN YOU NEED IT ⢠Ask the built-in AI assistant about your payments, settlements, payouts and KYC ⢠Browse the FAQ or contact our support team from the app WHO WAYAQUICK IS FOR Online sellers, Instagram and WhatsApp vendors, retail shops, restaurants, schools, event organisers, freelancers, consultants, SMEs and growing businesses across Nigeria. GET STARTED IN 3 STEPS 1. Download WayaQuick and create your business account 2. Verify your business (KYC) in the app 3. Create your first payment link or invoice and start getting paid WayaQuick is a product of Waya Multi-Link Technology Ltd.
Moni
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Discover Moni Mobile Teller, the comprehensive financial app designed for effortless saving! As an agent, enjoy direct access to an exclusive savings account. Say goodbye to conventional limitations and embrace the freedom to save for yourself and your customers with Moni. Download today and seize control of your financial future. What does saving on Moni look like? Create a savings plan on Moni as an Agent and earn commisions. Save as low as N500 daily, weekly, bi-weekly, or monthly. Activate your Moni Wallet to fund your savings plan. Achieve multiple savings goals. Contribute your savings at no fees or charges. Enjoy instant withdrawal. Cultivate a savings habit. Enjoy instant technical support within the app. Becoming an Agent on Moni is easy. Get started in 3 steps: 1. Download the Moni app 2. Provide some information to set up your profile 3. Register Clients and Create savings plans.
Screenshots
Verdict
The clearest difference is update cadence: WayaQuick at every 2 weeks against Moni's monthly. Moni's advantage is iOS requirement (11.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
WayaQuick ships an update every 2 weeks, Moni monthly. The most recent releases landed on October 30, 2026 and September 26, 2026 respectively.
| Parameter | WayaQuick | Moni |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 2 weeks ā better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 11.0 ā better |
| Further details ā not scored | ||
| Size | 40 MB | 86 MB |
| Age rating | 4+ | 17+ |
| Developer | WAYA MULTI LINK TECHNOLOGY LTD | Rank Capital Inc. |
In-app purchases
WayaQuick
No in-app purchases
Moni
No in-app purchases









