Comparison

SquareMe | Payments & Cards vs Zap by Paystack

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

Head to head
About

SquareMe | Payments & Cards

This platform simplifies financial transactions in Nigeria, allowing users to send and request money, pay bills, and purchase airtime. It also offers rewards and a chance to win prizes through its Cashtoken program.

Highlights
  • Send & request funds instantly
  • Multi-contact transactions
  • Buy airtime and data
  • Pay electricity bills
  • Withdraw funds to bank account
  • Earn Cashtoken rewards
Features
Read full description

Discover the future of payments with Squareme, Nigeria's leading social payment platform. Experience seamless transactions, bill payments, and rewards, all at your fingertips. Download Squareme now and join the revolution! Key Features: Send & Request Funds: Transfer money instantly to anyone in Nigeria using just their phone number for FREE. Requesting money from friends and family has never been easier! Multi-Contact Transactions: Need to pay multiple people at once? Squareme lets you send money to multiple contacts in a single transaction. Buy Airtime & Data: Top-up your airtime and data in seconds with our hassle-free process. Pay Electricity Bills: Settle your electricity bills with just a few taps, anytime, anywhere. Bank Withdrawals: Safely withdraw money to your bank account whenever you need it. Cashtoken Rewards: Get rewarded with Cashtokens every time you fund your account or pay for electricity and TV bills. Enter the Cashtoken weekly draw for a chance to win up to NGN 100 million!

About

Zap by Paystack

Send money to any bank account in Nigeria with ease. Enjoy a fast, secure, and reliable platform for all your transfer needs. The app offers a hassle-free onboarding process for a seamless start.

Highlights
  • Seamless onboarding
  • Fast bank transfers
  • Secure transactions
  • Reliable platform
  • Send money to any Nigerian bank
Features
Read full description

Zap is built by Paystack to do one thing well: make spending effortless, reliable and organized, every single time. Backed by the infrastructure powering thousands of Nigeria's most trusted businesses. Here's what that looks like in practice.
 NO BLOAT. JUST CLEAN, FAST PAYMENTS • Zap is designed to be clutter-free. No unnecessary screens, no confusing menus, just a clean, super-fast payment experience that gets out of your way.
 FINALLY KNOW WHERE YOUR MONEY GOES • Zap automatically categorises your spending and surfaces insights about your financial habits. See patterns, track what matters, and stop guessing at the end of the month.
 PAY LIKE A LOCAL WITH APPLE PAY • Visiting Nigeria? Use Apple Pay to send money to any Nigerian bank account. No local bank account needed, no currency conversion hassle. Pay like a local from the moment you land. PAY A WIDE RANGE OF BILLS • With Zap, you can buy data and airtime, pay for electricity, renew DSTV, get Apple and PlayStore gift cards, and top up your XBOX, PS5, and mobile games without leaving the Zap app. PAY THE SAME PEOPLE FASTER • Zap remembers everyone you pay. Repeat any transfer in two taps without re-entering account numbers. SCAN TO PAY • Point your camera at any account number, whether on a payment decal, receipt, invoice, or phone screen, and Zap reads the digits and finds the bank for you. No more typing long numbers or second-guessing. ALL YOUR BANKS, ONE APP • Connect whichever banks you use and move money from them without switching apps. 
 PAY AT ANY PAYSTACK CHECKOUT • Zap works natively at thousands of Paystack-powered businesses across Nigeria. Pay directly from Zap with just a few taps. It’s faster than any other payment method. FAST, RELIABLE AND SECURE EVERY TIME • Built on Paystack's infrastructure, every transfer is encrypted and protected. Your money moves securely, and when it lands, you'll know immediately. Zap is not a bank. Deposits are held with our licensed banking partner. Zap is a product of Paystack Payments Limited, licensed by the Central Bank of Nigeria.

Screenshots

SquareMe | Payments & Cards4 screens
Zap by Paystack4 screens

Verdict

The call

The clearest difference is ads: SquareMe | Payments & Cards at none against Zap by Paystack's shown. SquareMe | Payments & Cards also leads on monetization model (free vs ad-supported) and device support (3 vs 1). Zap by Paystack's advantage is rating (4.3 vs 4.0). On price, review sentiment, ratings volume and update cadence 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

Zap by Paystack holds the better App Store score, 4.3 against 4.0. Both are backed by a comparable volume of ratings — 23 and 24 respectively. Written reviews split almost evenly too, at 61% and 62% positive.

UpkeepUpdate frequency

SquareMe | Payments & Cards ships an update every 3 weeks, Zap by Paystack every 2 weeks. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
SquareMe | Payments & Cards versus Zap by Paystack: the parameters behind the verdict, then further details
ParameterSquareMe | Payments & CardsZap by Paystack
PriceFreeFree
Rating4.0 (23 ratings)4.3 (24 ratings) — better
Positive reviews61.1% of reviews61.5% of reviews — better
Number of ratings2324 — better
Update frequencyEvery 3 weeksEvery 2 weeks — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better16.0
Further details — not scored
Size76 MB62 MB
Age rating4+17+
DeveloperSquareme IncPaystack Payments Limited

Customer experience

SquareMe | Payments & Cards

All ratings23 ratings
Positive73.9%
Neutral4.3%
Negative21.7%
Written reviews18 reviews
Positive61.1%
Neutral0.0%
Negative38.9%

Zap by Paystack

All ratings24 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews13 reviews
Positive61.5%
Neutral7.7%
Negative30.8%

In-app purchases

None

SquareMe | Payments & Cards

No in-app purchases

None

Zap by Paystack

No in-app purchases

Questions

Is SquareMe | Payments & Cards free?
SquareMe | Payments & Cards is free to download, with no in-app purchases.
Is Zap by Paystack free?
Zap by Paystack is free to download, with no in-app purchases.
Which has better reviews, SquareMe | Payments & Cards or Zap by Paystack?
Zap by Paystack is rated higher. SquareMe | Payments & Cards averages 4.0 out of 5 from 23 ratings, while Zap by Paystack averages 4.3 from 24 ratings.
Do SquareMe | Payments & Cards or Zap by Paystack have ads?
Zap by Paystack shows ads; SquareMe | Payments & Cards does not.
Which is updated more often, SquareMe | Payments & Cards or Zap by Paystack?
SquareMe | Payments & Cards ships an update every 3 weeks, and Zap by Paystack every 2 weeks. Most recently, SquareMe | Payments & Cards was updated on November 7, 2026 and Zap by Paystack on November 3, 2026.

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