MVAF vs RealtimePay
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
MVAF
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Get access to a quality and affordable Virtual Back Office that manages your Invoicing system, Bills Payable and Payroll Administration in addition to Bookkeeping, Accounting, Taxes and controllership services from professional accountants.
RealtimePay
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Experience unparalleled convenience in managing your financial transactions with RealtimePay. Our app is your go-to solution for seamless, secure, and stress-free payments across various services. RealtimePay Services: Electricity Purchase: Effortless Payments: Quickly and easily pay your electricity bills, eliminating the need for long queues and complex processes. Real-Time Token Delivery: Receive your electricity tokens instantly, ensuring uninterrupted power supply. 24/7 Accessibility: Manage your electricity payments anytime, anywhere. Education Payment: Comprehensive Support: Purchase WAEC Registration Pins, WAEC Result Checker Pins, JAMB Pins, and other essential educational services. Secure Transactions: Enjoy peace of mind with our secure payment gateway that protects your transactions. Instant Confirmation: Receive immediate confirmation for all your educational transactions, ensuring a smooth and worry-free process. Dedicated Mobile Application: User-Friendly Interface: Navigate effortlessly through our intuitive and easy-to-use app interface. Push Notifications: Stay informed with real-time updates on your transactions and important announcements. Cutting-Edge Technology: Advanced Security Measures: Rest easy knowing your transactions are safeguarded by state-of-the-art security measures, ensuring the confidentiality of your data. Automated Processes: Benefit from efficient automated processes that minimize errors and enhance user experience. Reliable E-Channels: Rely on our dedicated e-channels for real-time transactions. Join RealtimePay to streamline your payments and enjoy the convenience of managing all your financial needs in one place. Our app is backed by a team of technology-oriented individuals committed to providing seamless, real-time service delivery for Nigerian households and businesses.
Screenshots
Verdict
The clearest difference is update cadence: RealtimePay at every 3 weeks against MVAF's every 21 months. MVAF's advantage is iOS requirement (13.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
MVAF ships an update every 21 months, RealtimePay every 3 weeks. The most recent releases landed on October 16, 2026 and October 8, 2026 respectively.
| Parameter | MVAF | RealtimePay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 21 months | Every 3 weeks โ better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 โ better | 15.6 |
| Further details โ not scored | ||
| Size | 18 MB | 38 MB |
| Age rating | 17+ | 4+ |
| Developer | Express Ca Corp | REALTIME PAYMENTS AND RELOAD LIMITED |
In-app purchases
MVAF
No in-app purchases
RealtimePay
No in-app purchases









