Speso vs JaraPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Instant transfers to mobile wallets and banks
- Secure business payments
- Find and pay artisans
- In-app chat for support
- Bank-grade security and encryption
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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.
JaraPay
This app simplifies bill payments for users in Nigeria, offering a convenient way to manage and pay for utilities, mobile recharges, and internet services. It supports a wide range of billers, making financial management easier for individuals and businesses.
- Bill payment management
- Utility bill payments
- Mobile recharge
- Internet payments
- Supports wide range of billers
- User-friendly interface
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JaraPay, Nigeria’s leading bill payment service, offers a seamless and efficient solution for effortlessly managing and paying your bills. Our user-friendly app is specifically designed to cater to the unique needs of the Nigerian market, empowering individuals and businesses across the country to handle their financial responsibilities with ease. With JaraPay, you can conveniently manage and pay all your bills, including utilities, mobile recharge, internet payments and more. Our platform supports a wide range of billers, ensuring a comprehensive solution for all your payment needs.
Screenshots
Verdict
The clearest difference is monetization model: JaraPay at free against Speso's ad-supported. JaraPay also leads on update cadence (every 4 days vs every 10 days) and iOS requirement (13.0 vs 15.0). Speso's advantage is ratings volume (3 vs 1). On price, rating, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for Speso against 5.0 for JaraPay. Both are backed by a comparable volume of ratings — 3 and 1 respectively.
Speso ships an update every 10 days, JaraPay every 4 days. The most recent releases landed on September 20, 2026 and September 7, 2026 respectively.
| Parameter | Speso | JaraPay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) | 5.0 (1 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | 1 |
| Update frequency | Every 10 days | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 97 MB | 54 MB |
| Age rating | 17+ | 4+ |
| Developer | Speso Technologies Limited | P&K Smart Rise Solutions |
Customer experience
Speso
JaraPay
In-app purchases
Speso
No in-app purchases
JaraPay
No in-app purchases
