# Speso vs JaraPay

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.

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.

## The numbers

| Metric | Speso | JaraPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (3 ratings)](https://appshunter.io/ios/app/speso/id6444906787/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/jarapay/id6451965788/reviews) |
| Number of ratings | **3** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | **Every 4 days** |
| Monetization | Ad-supported | **Free** |
| Size | 97 MB | 54 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Speso Technologies Limited](https://appshunter.io/developer/1657829757) | [P&K Smart Rise Solutions](https://appshunter.io/developer/1698673122) |

## What reviewers say

### Speso

[App page](https://appshunter.io/ios/app/speso/id6444906787)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### JaraPay

[App page](https://appshunter.io/ios/app/jarapay/id6451965788)

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.

**Highlights:** Bill payment management, Utility bill payments, Mobile recharge, Internet payments, Supports wide range of billers, User-friendly interface

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

**In-app purchases:** none


## Frequently asked questions

### Is Speso free?

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

### Is JaraPay free?

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

### Which has better reviews, Speso or JaraPay?

Speso and JaraPay are both rated 5.0 out of 5 on the App Store, from 3 and 1 ratings respectively.

### Do Speso or JaraPay have ads?

Neither Speso nor JaraPay shows ads.

### Which is updated more often, Speso or JaraPay?

Speso ships an update every 10 days, and JaraPay every 4 days. Most recently, Speso was updated on September 20, 2026 and JaraPay on September 7, 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.*