AYA PAY Partner vs Wave Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AYA PAY Partner
This app helps businesses manage customer transactions, track employee performance, and optimize financial operations. It offers user-friendly tools for account management and transaction tracking to enhance business efficiency and customer satisfaction.
- Customer transaction assistance
- DTR/DSE/Agent management
- Merchant network management
- Account management
- Transaction tracking
- Financial operations optimization
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AYA Pay Partner App is designed to transform the way businesses interact with customers and handle financial transactions. It simplifies tasks like assisting customers with transactions, managing DTRs, DSEs, agents, and merchant networks, and improving overall financial operations. The app provides user-friendly features for managing accounts, making it easy to track transactions and optimize your business. It's time to take your business to the next level, exceed customer expectations, and enjoy a seamless financial management experience.
Wave Merchant
This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.
- Dynamic QR code payments
- Real-time transaction history
- Business analytics
- Bank settlement
- Secure over-the-counter payments
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Fast, Easy, and Safe Online Payments - Myanmar's Leading Mobile Financial Service. Introduced by Wave Money, the Wave Merchant app brings fast, easy, and secure over-the-counter payment solutions not only for merchants and shops to track each transaction and analyze financial data but also for customers to make payments easier and more convenient. The app includes the following features: Dynamic QR: Customers can now enjoy the most convenient "Scan and Pay" functionality. The cashier keys in the specific payment amount, and customers can effortlessly and conveniently complete their payment by scanning the Dynamic QR code provided by the Wave Merchant app. Real-Time Transaction History Detail & Analytics: Merchants receive real-time transaction notifications and gain access to detailed transaction information. Additionally, the app provides a business analytics tool, allowing merchants to view their total transactions, sales, average daily transactions, average daily sales, etc. Bank Settlement: Merchants can seamlessly settle payments to their linked bank accounts. The app facilitates both cashing into the linked bank account and cashing out from it.
Screenshots
Verdict
The clearest difference is update cadence: AYA PAY Partner at every 2 months against Wave Merchant's every 4 months. Wave Merchant's advantage is iOS requirement (13.0 vs 15.6). On price, rating, ratings volume 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
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 — 4.2 for AYA PAY Partner against 4.2 for Wave Merchant. Both are backed by a comparable volume of ratings — 17 and 10 respectively.
AYA PAY Partner ships an update every 2 months, Wave Merchant every 4 months. The most recent releases landed on September 21, 2026 and August 21, 2026 respectively.
| Parameter | AYA PAY Partner | Wave Merchant |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (17 ratings) | 4.2 (10 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 17 — better | 10 |
| Update frequency | Every 2 months — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 94 MB | 69 MB |
| Age rating | 4+ | 17+ |
| Developer | AYA Bank | Wave Money |
Customer experience
AYA PAY Partner
Wave Merchant
In-app purchases
AYA PAY Partner
No in-app purchases
Wave Merchant
No in-app purchases









