Comparison

Chapa Merchant vs Arif Remit

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

Arif Remit

Send money internationally with ease through bank deposits, wallet transfers, cash pickup, or payment links. This secure and reliable service offers transparent exchange rates and multiple payout options for users in Ethiopia and globally.

Highlights
  • International money transfers
  • Bank deposit, wallet, cash pickup
  • Payment links and airtime top-up
  • Secure and encrypted transactions
  • Multiple payout methods
  • Transparent exchange rates
  • User-friendly interface
Features
Read full description

Arif Remittance is a digital money transfer solution that lets you send funds internationally via bank deposit, wallet transfer, cash pickup, payment link, or even airtime top-up all from the convenience of your phone. Built for users in Ethiopia and across the globe, Arif Remittance makes sending money as easy as a few taps. Whether you’re supporting family or paying for services, you can trust Arif Remmit to deliver your funds fast, securely, and affordably. Secure & Reliable Transfers - We partner with trusted banks and forex bureaus to ensure your money gets to the right hands. - All transactions are encrypted and processed in real-time. - Phone number verification and OTP-based security included. Multiple Ways to Send Choose the option that suits your recipient best: - Bank Transfer – Send directly to bank accounts. - Wallet Transfer – Transfer to mobile wallets. - Cash Pickup – Let recipients collect cash at designated locations. - Payment Link – Generate a secure link and let the recipient choose how to receive the money. Multibank & Forex Support We work with multiple financial institutions to offer competitive exchange rates and broader coverage. You will always find up-to-date exchange rates from your preferred banks and forex offices. Simple, Clean Interface We have designed a user-friendly experience that works seamlessly across devices. Get started with minimal effort: - Select the service you want - Choose an exchange rate - Enter recipient details - Confirm and send Why Arif Remittance? - Fast and convenient international transfers - Transparent exchange rates - Wide choice of payout methods - Excellent customer support Download Arif Remittance now and experience a new standard of international money transfers fast, flexible, and tailored for your needs.

Screenshots

Chapa Merchant4 screens
Arif Remit4 screens

Verdict

The call

The clearest difference is rating: Chapa Merchant at 3.8 against Arif Remit's 3.3. Chapa Merchant also leads on ratings volume (10 vs 3). Arif Remit's advantage is update cadence (weekly vs monthly). On price, ads, in-app purchases and monetization model 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

Chapa Merchant holds the better App Store score, 3.8 against 3.3. Both are backed by a comparable volume of ratings — 10 and 3 respectively.

UpkeepUpdate frequency

Chapa Merchant ships an update monthly, Arif Remit weekly. Both last shipped on October 24, 2026.

Scorecard3 real differences · 7 level
Chapa Merchant versus Arif Remit: the parameters behind the verdict, then further details
ParameterChapa MerchantArif Remit
PriceFreeFree
Rating3.8 (10 ratings) — better3.3 (3 ratings)
Positive reviews—50.0% of reviews
Number of ratings10 — better3
Update frequencyMonthlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.0 — better13.0
Further details — not scored
Size56 MB51 MB
Age rating4+4+
DeveloperChapaArifpay Financial Technologies S.C

Customer experience

Chapa Merchant

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

Arif Remit

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Chapa Merchant

No in-app purchases

None

Arif Remit

No in-app purchases

Questions

Is Chapa Merchant free?
Chapa Merchant is free to download, with no in-app purchases.
Is Arif Remit free?
Arif Remit is free to download, with no in-app purchases.
Which has better reviews, Chapa Merchant or Arif Remit?
Chapa Merchant is rated higher. Chapa Merchant averages 3.8 out of 5 from 10 ratings, while Arif Remit averages 3.3 from 3 ratings.
Do Chapa Merchant or Arif Remit have ads?
Neither Chapa Merchant nor Arif Remit shows ads.
Which is updated more often, Chapa Merchant or Arif Remit?
Chapa Merchant ships an update monthly, and Arif Remit weekly. Most recently, Chapa Merchant was updated on October 24, 2026 and Arif Remit on October 24, 2026.

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