Comparison

Starfish Microfinance vs Wave Merchant

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

Head to head
About

Starfish Microfinance

This application streamlines loan management by facilitating loan application submissions and repayments. It serves as a digital payment system designed to enhance users' financial lives.

Highlights
  • Loan application submission
  • Loan repayment management
  • Digital payment system
  • Financial enhancement
Features
Read full description

Enhance your life with Starfish Microfinance App. SMM App is developed for a Digital Payment System to facilitate the submission of loan applications and the repayment of loans.

About

Wave Merchant

This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.

Highlights
  • Dynamic QR code payments
  • Real-time transaction history
  • Business analytics
  • Bank settlement
  • Secure over-the-counter payments
Features
Read full description

Fast, Easy, and Safe Online Payments - Myanmar's Leading Mobile Financial Service. Introduced by Wave Money, the Wave Merchant app brings fast, easy, and secure over-the-counter payment solutions not only for merchants and shops to track each transaction and analyze financial data but also for customers to make payments easier and more convenient. The app includes the following features: Dynamic QR: Customers can now enjoy the most convenient "Scan and Pay" functionality. The cashier keys in the specific payment amount, and customers can effortlessly and conveniently complete their payment by scanning the Dynamic QR code provided by the Wave Merchant app. Real-Time Transaction History Detail & Analytics: Merchants receive real-time transaction notifications and gain access to detailed transaction information. Additionally, the app provides a business analytics tool, allowing merchants to view their total transactions, sales, average daily transactions, average daily sales, etc. Bank Settlement: Merchants can seamlessly settle payments to their linked bank accounts. The app facilitates both cashing into the linked bank account and cashing out from it.

Screenshots

Starfish Microfinance4 screens
Wave Merchant4 screens

Verdict

The call

The clearest difference is rating: Starfish Microfinance at 5.0 against Wave Merchant's 4.2. Wave Merchant's advantage is ratings volume (10 vs 1) and iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases 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.

ReceptionRating · Positive reviews · Number of ratings

Starfish Microfinance holds the better App Store score, 5.0 against 4.2. That said, the two scores are not equally well evidenced: Wave Merchant has 10 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Starfish Microfinance ships an update every 6 months, Wave Merchant every 4 months. The most recent releases landed on October 5, 2026 and October 4, 2026 respectively.

Scorecard3 real differences · 7 level
Starfish Microfinance versus Wave Merchant: the parameters behind the verdict, then further details
ParameterStarfish MicrofinanceWave Merchant
PriceFreeFree
Rating5.0 (1 ratings) — better4.2 (10 ratings)
Positive reviews—100.0% of reviews
Number of ratings110 — better
Update frequencyEvery 6 monthsEvery 4 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size51 MB69 MB
Age rating17+17+
DeveloperFirst AI Myanmar Co.,LtdWave Money

Customer experience

Starfish Microfinance

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Wave Merchant

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Starfish Microfinance

No in-app purchases

None

Wave Merchant

No in-app purchases

Questions

Is Starfish Microfinance free?
Starfish Microfinance is free to download, with no in-app purchases.
Is Wave Merchant free?
Wave Merchant is free to download, with no in-app purchases.
Which has better reviews, Starfish Microfinance or Wave Merchant?
Starfish Microfinance is rated higher. Starfish Microfinance averages 5.0 out of 5 from 1 ratings, while Wave Merchant averages 4.2 from 10 ratings.
Do Starfish Microfinance or Wave Merchant have ads?
Neither Starfish Microfinance nor Wave Merchant shows ads.
Which is updated more often, Starfish Microfinance or Wave Merchant?
Starfish Microfinance ships an update every 6 months, and Wave Merchant every 4 months. Most recently, Starfish Microfinance was updated on October 5, 2026 and Wave Merchant on October 4, 2026.

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