Comparison

VatPay vs Loosechange

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

Head to head
About

VatPay

Features
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VatPay is providing you with a seamless and robust secure mobile application that helps sort all your utility payments with a click of a button. This ultimate payment solution allows customers, dealers and agent to fund their virtual wallets, buy and pay for expenses like Airtime, insurance, sports bet wallet, internet subscription, and Electricity. Why should you have VatPay? Product and Service: All Users (Agents, Customers, and Dealers) can easily buy airtime and pay for their electricity, Internet subscription, insurance, and fund Bet wallets. Wallet Service: Customers and dealers can easily fund their wallets via their virtual accounts and also transfer funds from their commission wallet to their main wallet in seconds. Become a Dealer: Customers who wish to become a dealer can setup their dealer account from their current profile and become a dealer without third-party interference. Profile Management: All users can manage their profile and security settings easily on the platform. Report Management: View reports on wallets activities and easily spool from our web application. Dashboard and Analytics: Have a visualised overview of all wallets and activities on our Web Application. Agent Management: Now dealers can set-up, fund agents seamlessly and they both earn commissions. Support 24/7: We are excited to hear from you, should you have queries or inquiries please reach us via email at vatebrapay@vatebra.com

About

Loosechange

Features
Read full description

Multiple payment options all in one place, never downtime! Payment Links - Generate a payment link to share with your customers via social media, email, or SMS. USSD - Receive payment using USSD code when customers don't have access to a smartphone, or data plan, or have no internet connection. Bank Transfer - Get direct transfers from your customers to your virtual bank account. QR Code - Display your unique QR code on your mobile phone or print it out for display at your physical store for your customers to scan and pay. Receive instant payment! No need to wait for next-day settlements, get value for your services in real-time. Get instant credit confirmation for transactions and share e-receipts with your customers Bills payment β€’ With Loosechange App, top-up your airtime & data, pay your utility bills and TV subscription So much more β€’ Your business goes anywhere you go! β€’ Never lose a sale, receive payment from your customers anytime and anywhere. β€’ Improve customer experience β€’ Make it easier for your customers to pay you quickly and easily, without having to wait in line or fumble with cash. β€’ You no longer need to keep saying, β€œ Sorry, the POS machine is not working”. Provide your customers with a seamless payment experience with a variety of options to choose from. β€’ Reduce your business expenses β€’ Save costs on buying physical POS machines for your business and leverage the device you already own on your mobile phone. β€’Β Safe and Secure Payment β€’ Our advanced encryption technology and fraud detection systems ensure that your transactions are always protected. Join the Loosechange community, and download the app now! How to get started Download the App. Create an account with your phone number and verify your BVN. Start accepting payments. Customer Support is available via our in-app chat. Contact us whenever you need assistance. We are here to ensure your payment experience is smooth and hassle-free.

Screenshots

VatPay4 screens
Loosechange4 screens

Verdict

The call

VatPay and Loosechange are too close to call on the numbers: across 6 compared parameters β€” price, update cadence, ads and in-app purchases among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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

UpkeepUpdate frequency

VatPay ships an update every 4 weeks, Loosechange fortnightly. The most recent releases landed on September 13, 2026 and July 31, 2026 respectively.

ScorecardNo meaningful differences
VatPay versus Loosechange: the parameters behind the verdict, then further details
ParameterVatPayLoosechange
PriceFreeFree
Update frequencyEvery 4 weeksFortnightly β€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 β€” better13.2
Further details β€” not scored
Size44 MB53 MB
Age rating4+4+
DeveloperVatPayLooseChange Limited

In-app purchases

None

VatPay

No in-app purchases

None

Loosechange

No in-app purchases

Questions

Is VatPay free?
VatPay is free to download, with no in-app purchases.
Is Loosechange free?
Loosechange is free to download, with no in-app purchases.
Do VatPay or Loosechange have ads?
Neither VatPay nor Loosechange shows ads.
Which is updated more often, VatPay or Loosechange?
VatPay ships an update every 4 weeks, and Loosechange fortnightly. Most recently, VatPay was updated on September 13, 2026 and Loosechange on July 31, 2026.

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