Comparison

Pay with Vendy 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

Pay with Vendy

This app provides a unified payment gateway for merchants to accept both offline and online payments across Africa. It offers a proactive, flexible, fast, and secure transaction process.

Highlights
  • Unified payment gateway
  • Offline payment acceptance
  • Online payment acceptance
  • Proactive transaction process
  • Flexible payment options
  • Fast and secure transactions
Read full description

Vendy is a unified payment gateway that allows merchants accept offline and online payments in Africa through a proactive, flexible, fast and secure process.

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

Pay with Vendy4 screens
Zap by Paystack4 screens

Verdict

The call

The clearest difference is review sentiment: Zap by Paystack at 62% against Pay with Vendy's 0%. Zap by Paystack also leads on rating (4.3 vs 1.0) and ratings volume (24 vs 1). Pay with Vendy's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, update cadence 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

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 1.0. That said, the two scores are not equally well evidenced: Zap by Paystack has 24 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 0% of Pay with Vendy's written reviews are positive against 62% of Zap by Paystack's.

UpkeepUpdate frequency

Pay with Vendy ships an update every 10 days, Zap by Paystack every 2 weeks. The most recent releases landed on October 3, 2026 and September 23, 2026 respectively.

Scorecard7 real differences · 3 level
Pay with Vendy versus Zap by Paystack: the parameters behind the verdict, then further details
ParameterPay with VendyZap by Paystack
PriceFreeFree
Rating1.0 (1 ratings)4.3 (24 ratings) — better
Positive reviews0.0% of reviews61.5% of reviews — better
Number of ratings124 — better
Update frequencyEvery 10 days — betterEvery 2 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.0 — better16.0
Further details — not scored
Size33 MB59 MB
Age rating4+17+
DeveloperVendy LimitedPaystack Payments Limited

Customer experience

Pay with Vendy

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

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

Pay with Vendy

No in-app purchases

None

Zap by Paystack

No in-app purchases

Questions

Is Pay with Vendy free?
Pay with Vendy 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, Pay with Vendy or Zap by Paystack?
Zap by Paystack is rated higher. Pay with Vendy averages 1.0 out of 5 from 1 ratings, while Zap by Paystack averages 4.3 from 24 ratings.
Do Pay with Vendy or Zap by Paystack have ads?
Zap by Paystack shows ads; Pay with Vendy does not.
Which is updated more often, Pay with Vendy or Zap by Paystack?
Pay with Vendy ships an update every 10 days, and Zap by Paystack every 2 weeks. Most recently, Pay with Vendy was updated on October 3, 2026 and Zap by Paystack on September 23, 2026.

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