Comparison

Chapa Merchant vs eQUB

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

eQUB

This app facilitates group savings and access to credit through a rotating lottery system. Members contribute to a pool, and one participant is randomly selected each round to receive the total collected amount. It's designed to help individuals save and access funds by pooling resources with others.

Highlights
  • Rotating savings groups (eQubs)
  • Random lottery winner selection
  • Pooled savings collection
  • Access to credit
  • Manage personal and group savings
  • Track money rotation
Features
Read full description

Equb is an alternative means to achieve saving and improve access to credit by rotation of savings. Individuals agree to pool their savings for a defined period of time to jointly save by creating an eQub. Members, who participate in an eQub, are called eQubers. They make payments every round which will be collected and given to a randomly chosen lottery winner who will claim the collected money. An administrator, who collects money from all members, is called Head eQuber/Seb-sabi. The lottery is drawn on each round and every member will win the lottery exactly once in a given cycle. Members will eventually win all the amount they have paid in all the rounds. The winning amount is the sum total of all the contributions from the members of the eQub. All transactions are made in ETB (Ethiopian Birr). Payments are collected from eQubers into a pooling account managed by Equb Financial Technologies PLC. When a winner is picked by the random lottery, the money can be claimed by the user into an account of their choosing that is set up when they join an eQub. eQub app is the first app that helps you dip into your future savings. It allows you to conveniently setup & manage your personal & eQub groups in a few taps. Stay on top of your savings. See how your money revolves. Terms of Service: https://shorturl.at/AKMR4

Screenshots

Chapa Merchant4 screens
eQUB4 screens

Verdict

The call

The clearest difference is rating: eQUB at 4.2 against Chapa Merchant's 3.9. Chapa Merchant's advantage is iOS requirement (12.0 vs 15.6). 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

eQUB holds the better App Store score, 4.2 against 3.9. Both are backed by a comparable volume of ratings — 9 and 10 respectively.

UpkeepUpdate frequency

Chapa Merchant ships an update monthly, eQUB every 2 months. The most recent releases landed on October 12, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
Chapa Merchant versus eQUB: the parameters behind the verdict, then further details
ParameterChapa MerchanteQUB
PriceFreeFree
Rating3.9 (9 ratings)4.2 (10 ratings) — better
Positive reviews—75.0% of reviews
Number of ratings910 — better
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better15.6
Further details — not scored
Size56 MB42 MB
Age rating4+17+
DeveloperChapaEqub Financial Technologies PLC

Customer experience

Chapa Merchant

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

eQUB

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews4 reviews
Positive75.0%
Neutral0.0%
Negative25.0%

In-app purchases

None

Chapa Merchant

No in-app purchases

None

eQUB

No in-app purchases

Questions

Is Chapa Merchant free?
Chapa Merchant is free to download, with no in-app purchases.
Is eQUB free?
eQUB is free to download, with no in-app purchases.
Which has better reviews, Chapa Merchant or eQUB?
eQUB is rated higher. Chapa Merchant averages 3.9 out of 5 from 9 ratings, while eQUB averages 4.2 from 10 ratings.
Do Chapa Merchant or eQUB have ads?
Neither Chapa Merchant nor eQUB shows ads.
Which is updated more often, Chapa Merchant or eQUB?
Chapa Merchant ships an update monthly, and eQUB every 2 months. Most recently, Chapa Merchant was updated on October 12, 2026 and eQUB on October 7, 2026.

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