Starfish Microfinance vs Wave Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Loan application submission
- Loan repayment management
- Digital payment system
- Financial enhancement
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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.
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.
- Dynamic QR code payments
- Real-time transaction history
- Business analytics
- Bank settlement
- Secure over-the-counter payments
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Starfish Microfinance | Wave Merchant |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.2 (10 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 1 | 10 — better |
| Update frequency | Every 6 months | Every 4 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 51 MB | 69 MB |
| Age rating | 17+ | 17+ |
| Developer | First AI Myanmar Co.,Ltd | Wave Money |
Customer experience
Starfish Microfinance
Wave Merchant
In-app purchases
Starfish Microfinance
No in-app purchases
Wave Merchant
No in-app purchases
Questions
Is Starfish Microfinance free?
Is Wave Merchant free?
Which has better reviews, Starfish Microfinance or Wave Merchant?
Do Starfish Microfinance or Wave Merchant have ads?
Which is updated more often, Starfish Microfinance or Wave Merchant?
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