Comparison

Speso vs CatholicPay

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

Head to head
About

Speso

Send and receive money instantly and securely with friends, family, and businesses. This app facilitates fast, simple, and safe transactions for payments, transfers, and finding skilled professionals.

Highlights
  • Instant transfers to mobile wallets and banks
  • Secure business payments
  • Find and pay artisans
  • In-app chat for support
  • Bank-grade security and encryption
Features
Read full description

Speso helps you send and receive money from friends, family, and businesses — instantly and securely. Whether you’re paying a vendor, sending money to a loved one, or finding skilled artisans, Speso makes every transaction fast, simple, and safe. Key Features - Send Money to MoMo & Banks – Instantly transfer money to any mobile wallet or bank account. - Pay Your Favourite Businesses – Make quick and secure payments to trusted merchants and service providers. - Chat with Friends & Support – Stay connected, share updates, and get instant assistance. - 100% Secure – Enjoy reliable transactions powered by bank-grade security and encryption.

About

CatholicPay

This app provides a secure and convenient digital payment solution for individuals, businesses, and Catholic organizations. It allows for sending and receiving funds, paying bills, and making donations to churches and groups within Nigeria.

Highlights
  • Send and receive money
  • Pay bills and buy airtime
  • Scan to Pay (QR Code)
  • Make church donations
  • Pay group dues
  • Parish Voucher gift cards
Features
Read full description

CatholicPay is a Digital Payment Solution designed to offer secure, seamless, and convenient payment services to Individuals, Businesses, Catholic Churches, Groups and Organisations. You can use CatholicPay like your regular online banking app. You can receive funds and send money to any bank in Nigeria. You can save funds, Buy the *cheapest Data* (10gb for 30days for as low as N1,794) You can buy *Airtime for up to 7%* less the price, Buy Electricity Units, renew your DSTV, GoTV and Startimes subscription. Whats more is you can ScanToPay in Parishes and make payments to any Catholic Church in Nigeria through the app. Our mission is to provide a secure and convenient way for any individual to make payments to a Catholic Church, Groups, Business or establishment overcoming typical challenges like difficulty in sending money, Bad Network, payments verifications, transactions reporting, currency redesign, cashless policy, and reduced inflow, among others. With CatholicPay, parishioners have a more reliable and seamless means of making payments to Parishes for Offertory, Tithes, Thanksgiving, Harvests, projects, and others. You can also make payments for monthly dues, and levies in groups or organisations and contribute to any Catholic establishment, Catholic Schools, Catholic Hospitals, and other businesses within Nigeria. Scan to Pay: CatholicPay has a host of features, and one of them is Scan to Pay (QRCode Payment System). Our app supports a fast and seamless QR Code payment, making it easy for users to make payments to parishes, groups, or establishments instantly by scanning their QR Code. Additionally, users can receive payments from others when they scan their QR Code. PVoucher GiftCard: We also support the use of Parish Voucher; this feature is ideal for users who prefer to use the system without internet or electronic devices. With Parish Vouchers, users can easily purchase any denomination of vouchers from their parish or any designated vendor or sales point. This voucher can be used within the parish for any payments like offertory, tithes, second collections, sacramental and grocery shops, Parish groups, societies, and much more. This feature allows users to carry out generous giving in all parish events and gatherings without being limited by cash scarcity. PayParish: PayParish is another unique feature on our app. Through the CatholicPay App, users can make a payment to any Parish in Nigeria, either by directly transferring to the Parish wallet or by subscribing to make payments automatically daily, weekly, monthly, or annually. You can find parish using names, acronyms or location search. PayGroup: Similarly, users can make payments to any group within their parish or around Nigeria using the PayGroup feature on our app. Making Payments to groups like CYON, CMO, CWO, KSM, KSJ, Charismatics, etc., for monthly dues, Levies, and other payments has never been more seamless and efficient. You can find Groups using names, acronyms or location search. PayChannel: We are also proud to have the PayChannel feature, which allows Catholic establishments or channels, from Sacramental and grocery shops within a parish to Catholic Schools like Veritas University Abuja, Madonna University, Regina Pacis, Catholic Hospitals like Daughters of Charity Abuja, and other Catholic establishments like Radio Maria, Private Ministries, among others, to receive payments from users anywhere in Nigeria. Users can make a direct transfer to any of the listed wallet or subscribe to make payments automatically daily, weekly, monthly, or annually. You can find establishments using names, acronyms or location search.

Screenshots

Speso4 screens
CatholicPay4 screens

Verdict

The call

The clearest difference is rating: Speso at 5.0 against CatholicPay's 3.7. CatholicPay's advantage is monetization model (free vs ad-supported). 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

Speso holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 3 respectively.

UpkeepUpdate frequency

Speso ships an update every 10 days, CatholicPay fortnightly. The most recent releases landed on September 20, 2026 and September 15, 2026 respectively.

Scorecard2 real differences · 8 level
Speso versus CatholicPay: the parameters behind the verdict, then further details
ParameterSpesoCatholicPay
PriceFreeFree
Rating5.0 (3 ratings) — better3.7 (3 ratings)
Positive reviews100.0% of reviews—
Number of ratings33
Update frequencyEvery 10 days — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size97 MB115 MB
Age rating17+17+
DeveloperSpeso Technologies LimitedMogRex Limited

Customer experience

Speso

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

CatholicPay

All ratings3 ratings
Positive66.7%
Neutral0.0%
Negative33.3%

In-app purchases

None

Speso

No in-app purchases

None

CatholicPay

No in-app purchases

Questions

Is Speso free?
Speso is free to download, with no in-app purchases.
Is CatholicPay free?
CatholicPay is free to download, with no in-app purchases.
Which has better reviews, Speso or CatholicPay?
Speso is rated higher. Speso averages 5.0 out of 5 from 3 ratings, while CatholicPay averages 3.7 from 3 ratings.
Do Speso or CatholicPay have ads?
Neither Speso nor CatholicPay shows ads.
Which is updated more often, Speso or CatholicPay?
Speso ships an update every 10 days, and CatholicPay fortnightly. Most recently, Speso was updated on September 20, 2026 and CatholicPay on September 15, 2026.

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