Comparison

MVAF vs RealtimePay

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

Head to head
About

MVAF

Features
Read full description

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.

About

RealtimePay

Features
Read full description

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

MVAF4 screens
RealtimePay4 screens

Verdict

The call

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

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.

Scorecard2 real differences ยท 4 level
MVAF versus RealtimePay: the parameters behind the verdict, then further details
ParameterMVAFRealtimePay
PriceFreeFree
Update frequencyEvery 21 monthsEvery 3 weeks โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 โ€” better15.6
Further details โ€” not scored
Size18 MB38 MB
Age rating17+4+
DeveloperExpress Ca CorpREALTIME PAYMENTS AND RELOAD LIMITED

In-app purchases

None

MVAF

No in-app purchases

None

RealtimePay

No in-app purchases

Questions

Is MVAF free?
MVAF is free to download, with no in-app purchases.
Is RealtimePay free?
RealtimePay is free to download, with no in-app purchases.
Do MVAF or RealtimePay have ads?
Neither MVAF nor RealtimePay shows ads.
Which is updated more often, MVAF or RealtimePay?
MVAF ships an update every 21 months, and RealtimePay every 3 weeks. Most recently, MVAF was updated on October 16, 2026 and RealtimePay on October 8, 2026.

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