Comparison

Paystro vs MiniPay

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

Head to head
About

Paystro

Easily send money and pay bills from the UK to Nigeria. Offers instant transfers, zero fees, and a secure P2P marketplace for competitive rates. Manage payments for loved ones including airtime, utilities, and school fees.

Highlights
  • Send money to Nigeria
  • Pay bills and utilities
  • Instant transfers
  • Zero fees
  • P2P marketplace
  • Safe and secure transactions
Read full description

Send money from the UK to Nigeria, Kenya, and Ghana, or from Nigeria back to the UK, in seconds. Send directly at our best rates, or browse our P2P marketplace where verified traders compete to give you an even better deal. Where we currently send UK → Nigeria UK → Kenya UK → Ghana Nigeria → UK Coming soon Canada European Union No fees, no delays, no surprises. Instant transfers Money arrives in seconds, not hours. Send any time; nights, weekends, holidays included. £0 Fees We charge zero transfer fees. Every penny, cent or kobo you send is the amount your family receives. P2P Marketplace Get more for your money. Trade with verified traders at rates better than the standard. Every trade is protected by escrow meaning funds are held securely until both sides confirm. Pay bills back home Top up airtime, pay utilities, school fees, insurance, and more, directly from your UK bank account, in a few taps. Safe & secure Bank-grade encryption and advanced fraud detection protect every transfer, every time.

About

MiniPay

Send money globally with a secure, self-custodial digital wallet. Experience fast, affordable transactions to over 52 countries, supporting over 35 local currencies and payment methods. Save in stablecoins and pay bills or buy services abroad.

Highlights
  • Instant global money transfers
  • Support for 52 countries
  • 35+ local currencies and payment methods
  • Self-custodial wallet
  • Zero-fee stablecoin purchases
  • Pay bills and buy services abroad
Read full description

Send Anywhere, Anytime – Fast, Affordable, and Secure! Experience fast, affordable, and secure digital transactions with MiniPay. Join millions around the world who trust our self-custodial wallet to manage and send funds globally. Send from Africa, Europe, and Latin America. Whether you're supporting family back home or sending to friends, MiniPay supports sending to and from 52 countries globally including Nigeria, Kenya, South Africa, Ghana, Brazil, Germany, Poland, United States, France, Tanzania, Cameroon — all at the most affordable rates and near-zero fees, powered by our trusted partners. MiniPay is a self-custodial wallet built on the Celo blockchain. All funds in MiniPay are stored as stable, secure digital assets, and transactions are facilitated using USD stablecoins. Buy & Sell USDC, USDT, and cUSD Stablecoins at Zero Fees Top up and withdraw to over 35 supported local currencies and payment methods with zero fees using selected partners. All stablecoins are issued by third parties and backed by their respective services. See issuer(s) website for details. Key Features · Instant Transfers: Send funds digitally to anyone worldwide in seconds, not days. · Localized Cash-in-Cash-out: Easily send and withdraw into over 35 local currencies and local payment methods like Apple Pay, Card, MTN Momo, M-Pesa, Opay, and SEPA using our selected partners. (Note: All fiat exchanges are performed by our partners; coverage and restrictions may apply.) · User-Controlled Security: You own your keys and your funds—full control, every time. · Everyday Use: Pay local bills in Kenya, Ghana, Nigeria, South Africa, Malawi, Tanzania more from abroad using one of our integrated partners. · Spend Stablecoins: Buy eSIMs, donate to local charities of choice, buy gift vouchers and airtime using your stablecoins. Perfect For · Staying Connected Financially: Send funds to and from Nigeria, Kenya, Ghana, Tanzania, South Africa, Uganda, and more. · Small Transfers: Perfect for sending small amounts. You can top up and send as low as $1. · Frequent Senders: Easily hold funds in dollar stablecoins and withdraw to multiple currencies—whether its Euros, USD, or Shillings—anytime, anywhere, thanks to our network of partners · Saving in Dollars: All funds in MiniPay are stored in US dollar stablecoins keeping them fixed to the value of the US Dollar. MiniPay is a non-custodial wallet based on the Celo blockchain and offered by Blueboard Limited and is not intended to provide investment or any other financial advice. Cryptocurrencies and crypto assets involve significant risks, including the potential loss of your entire investment. Please consider whether trading and owning cryptocurrencies is appropriate for your financial situation. *Rates subject to partner conditions. See issuer(s) website for details. Privacy policy: https://legal.blueboard.pro/privacy/ Terms of service: https://legal.blueboard.pro/terms/

Screenshots

Paystro4 screens
MiniPay4 screens

Verdict

The call

The clearest difference is review sentiment: Paystro at 100% against MiniPay's 43%. Paystro also leads on monetization model (free vs free with in-app purchases). MiniPay's advantage is update cadence (weekly vs fortnightly). On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

Paystro ships an update fortnightly, MiniPay weekly. The most recent releases landed on August 26, 2026 and September 20, 2026 respectively.

Scorecard3 real differences · 7 level
Paystro versus MiniPay: the parameters behind the verdict, then further details
ParameterPaystroMiniPay
PriceFreeFree
Rating4.5 (474 ratings) — better
Positive reviews100.0% of reviews — better43.5% of reviews
Number of ratings474 — better
Update frequencyFortnightlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.0 — better15.2
Further details — not scored
Size149 MB87 MB
Age rating17+4+
DeveloperPaystro UK LimitedOpera Norway AS

Customer experience

Paystro

Written reviews5 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

MiniPay

All ratings474 ratings
Positive86.5%
Neutral5.3%
Negative8.2%
Written reviews46 reviews
Positive43.5%
Neutral13.0%
Negative43.5%

Bugs and requests

Paystro

Not enough reviews yet to summarise bugs or requests.

MiniPay

Reported bugs

17 issues
  • Cannot withdraw funds
  • Cannot access app after refresh
  • Deposit and withdrawal buttons not working
  • Money sent is pending for days
  • Withdrawal never hit bank account
Show 12 more
  • Unsuccessful withdrawal, debited but not received
  • Unable to get number verified
  • Registration verification not working
  • Cannot send money abroad
  • Lost money in the app
  • App is a scam
  • Cannot withdraw money
  • Cannot withdraw my money and there is no support
  • Payment not showing up in wallet
  • Deposit is gone
  • Scam to collect Apple username and password
  • Withdrawal not working

Requested features

7 requests
  • More updates and features for MiniApps
  • Add Google account sign-in option
  • Improve funding options, allow funding from other banks
  • Add send option on iPhone
  • Fix issue moving from Google to Apple ID, add phone number/email login
Show 2 more
  • Add dark mode
  • Add gamify features for iOS users

In-app purchases

None

Paystro

No in-app purchases

None

MiniPay

No in-app purchases

Questions

Is Paystro free?
Paystro is free to download, with no in-app purchases.
Is MiniPay free?
MiniPay is free to download, with no in-app purchases.
Do Paystro or MiniPay have ads?
Neither Paystro nor MiniPay shows ads.
Which is updated more often, Paystro or MiniPay?
Paystro ships an update fortnightly, and MiniPay weekly. Most recently, Paystro was updated on August 26, 2026 and MiniPay on September 20, 2026.

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