# Starfish Microfinance vs Wave Merchant

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.

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.

## The numbers

| Metric | Starfish Microfinance | Wave Merchant |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/starfish-microfinance/id6443613658/reviews)** | [4.2 (10 ratings)](https://appshunter.io/ios/app/wave-merchant/id6456263921/reviews) |
| Number of ratings | 1 | **10** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 4 months** |
| Monetization | Free | Free |
| Size | 51 MB | 69 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [First AI Myanmar Co.,Ltd](https://appshunter.io/developer/1511925315) | [Wave Money](https://appshunter.io/developer/1234535228) |

## What reviewers say

### Starfish Microfinance

[App page](https://appshunter.io/ios/app/starfish-microfinance/id6443613658)

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:** macOS Compatibility

**In-app purchases:** none


### Wave Merchant

[App page](https://appshunter.io/ios/app/wave-merchant/id6456263921)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*