Comparison

Chapa Merchant vs Kacha Customer

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

Head to head
About

Chapa Merchant

Manage your business finances on the go. Send payment links, accept payments via QR codes, and track sales trends. This app acts as your business manager, simplifying money management for merchants of all sizes.

Highlights
  • Send payment links
  • Accept payments via QR codes
  • Track sales trends
  • Manage money and sales
  • Transfer money
  • Access customer info
Features
Read full description

Chapa Merchant makes it convenient for anyone to run their business anytime, anywhere. With the Chapa Merchant app, you have what you request right at your fingertips. The Chapa Merchant app is the best app available to send payment links, track sales, and manage your money for merchants with businesses of all sizes. This app takes on the role of business manager for you while you’re busy working on your business instead of in it. This is more than just an app. You can turn your phone into a POS machine. With the Chapa Merchant app for iPhone, you can: - Send Payment Links - Generate QR codes and accept payments - Manage your money and sales - Track online account activity - Transfer money - See monthly, quarterly and yearly sales trends at a glance - Access your customer info quickly The Chapa Merchant app offers small business owners and merchants a quick and straightforward way to make and send payment links, get paid using QR codes, transfer, and manage their money from their phones. Finally, money management for your small business on the go has never been easier. Try it, and you will love it.

About

Kacha Customer

This digital platform offers seamless financial services in Ethiopia, including mobile money, bill payments, remittances, and merchant payments. It aims to promote financial inclusion and empower underserved populations with convenient, affordable, and secure digital financial solutions.

Highlights
  • Mobile money services
  • Bill payments
  • Remittances
  • Merchant payments
  • Financial inclusion
  • Secure digital transactions
Features
Read full description

Kacha Digital Financial Service S.C. is a premier digital platform that provides seamless financial services in Ethiopia. We are the first private payment instrument issuer licensed by the National Bank of Ethiopia, registered as NPS/PII/002/2022. Our goal is to promote financial inclusion and contribute to Ethiopia's national digitalization ambitions. Our digital platform offers mobile money, bill payments, remittances, and merchant payments, making financial services accessible to all Ethiopians, especially those who are underserved and unserved. We are committed to empowering our customers by providing them with convenient, affordable, and secure digital financial services that meet their everyday needs. At Kacha, we are passionate about driving positive change and creating value for our customers, employees, and society as a whole. We are proud to be part of Ethiopia's digital transformation and are committed to playing our role in achieving the country's economic and social development goals. Thank you for choosing Kacha Digital Financial Service S.C. as your financial services provider.

Screenshots

Chapa Merchant4 screens
Kacha Customer4 screens

Verdict

The call

The clearest difference is rating: Kacha Customer at 4.6 against Chapa Merchant's 3.8. Chapa Merchant's advantage is iOS requirement (12.0 vs 14.0). On price, ratings volume, update cadence and ads 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

Kacha Customer holds the better App Store score, 4.6 against 3.8. Both are backed by a comparable volume of ratings — 10 and 10 respectively.

UpkeepUpdate frequency

Chapa Merchant ships an update monthly, Kacha Customer every 6 weeks. Both last shipped on November 3, 2026.

Scorecard2 real differences · 8 level
Chapa Merchant versus Kacha Customer: the parameters behind the verdict, then further details
ParameterChapa MerchantKacha Customer
PriceFreeFree
Rating3.8 (10 ratings)4.6 (10 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings1010
Update frequencyMonthly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better14.0
Further details — not scored
Size56 MB75 MB
Age rating4+17+
DeveloperChapaKacha Digital Financial Services

Customer experience

Chapa Merchant

All ratings9 ratings
Positive66.7%
Neutral11.1%
Negative22.2%

Kacha Customer

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Chapa Merchant

No in-app purchases

None

Kacha Customer

No in-app purchases

Questions

Is Chapa Merchant free?
Chapa Merchant is free to download, with no in-app purchases.
Is Kacha Customer free?
Kacha Customer is free to download, with no in-app purchases.
Which has better reviews, Chapa Merchant or Kacha Customer?
Kacha Customer is rated higher. Chapa Merchant averages 3.8 out of 5 from 10 ratings, while Kacha Customer averages 4.6 from 10 ratings.
Do Chapa Merchant or Kacha Customer have ads?
Neither Chapa Merchant nor Kacha Customer shows ads.
Which is updated more often, Chapa Merchant or Kacha Customer?
Chapa Merchant ships an update monthly, and Kacha Customer every 6 weeks. Most recently, Chapa Merchant was updated on November 3, 2026 and Kacha Customer on November 3, 2026.

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