# Instantpay vs FLEX

The clearest difference is review sentiment: FLEX at 100% against Instantpay's 0%. FLEX also leads on rating (4.7 vs 1.1). On price, ratings volume, update cadence and ads there is nothing between them.

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

FLEX holds the better App Store score, 4.7 against 1.1. Both are backed by a comparable volume of ratings — 19 and 11 respectively. Written reviews point the same way: 0% of Instantpay's written reviews are positive against 100% of FLEX's.

Instantpay ships an update monthly, FLEX every 2 weeks. The most recent releases landed on October 3, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Instantpay | FLEX |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.1 (19 ratings)](https://appshunter.io/ios/app/instantpay/id6444669672/reviews) | **[4.7 (11 ratings)](https://appshunter.io/ios/app/flex-instant-payments/id6740035091/reviews)** |
| Number of ratings | **19** | 11 |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 94 MB | 151 MB |
| Requires iOS | **14.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Instantpay India Limited](https://appshunter.io/developer/945609486) | [Koinage LLC](https://appshunter.io/developer/1558567429) |

## What reviewers say

### Instantpay

[App page](https://appshunter.io/ios/app/instantpay/id6444669672)

A comprehensive business banking solution designed to streamline financial operations. Manage accounts, process payments, track expenses, and access loans all in one digital platform. Ideal for businesses of all sizes seeking efficient money management.

**Highlights:** Smart current account for simplified banking, Connect and manage existing bank accounts, Send and receive payments via all methods, Bulk payouts and one-click payments, Payment links and QR code collections, Contactless cards for expense management, Collateral-free business loans

**In-app purchases:** none


### FLEX

[App page](https://appshunter.io/ios/app/flex-instant-payments/id6740035091)

Send and receive money instantly in Nigeria using a unique PayTag. Easily pay merchants via QR codes or directly in the app, and request funds with notes for clear tracking. Upgrade your tier for higher limits and enhanced features.

**Highlights:** Instant money sending and receiving, Pay with PayTag, Merchant QR code payments, Request money with notes, Tiered verification for higher limits, Real-time transaction tracking, In-app support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Instantpay free?

Instantpay is free to download, with no in-app purchases.

### Is FLEX free?

FLEX is free to download, with no in-app purchases.

### Which has better reviews, Instantpay or FLEX?

FLEX is rated higher. Instantpay averages 1.1 out of 5 from 19 ratings, while FLEX averages 4.7 from 11 ratings.

### Do Instantpay or FLEX have ads?

Neither Instantpay nor FLEX shows ads.

### Which is updated more often, Instantpay or FLEX?

Instantpay ships an update monthly, and FLEX every 2 weeks. Most recently, Instantpay was updated on October 3, 2026 and FLEX on October 14, 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.*