Comparison

STECS vs Squad Business

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

Head to head
About

STECS

Manage all your finances in one place with this ethical mobile money app. It offers swift account opening, comprehensive money management tools, card services, and access to investments and credit products.

Highlights
  • All-in-one finance management
  • Swift account opening
  • Money management tools
  • Card services
  • Investment options
  • Credit products
Features
Read full description

Stecs is an ethical mobile money app that lets you manage all your finances in just one app. Swift account opening process, money management tools, cards services, investments and credit products are some of the things you stand to gain by opening an account with us.

About

Squad Business

Accept global payments, manage transactions, and offer value-added services from your phone. This app provides a convenient and accessible way to handle all your digital payment needs, ensuring secure and quick transactions for your business.

Highlights
  • Accept global payments
  • Manage and track transactions
  • Offer value-added services
  • Virtual account feature
  • Sell airtime and data
  • Seamless payout transfers
  • Receive international payments
Features
Read full description

Squad offers you the easiest way to accept payments from all over the world, manage and track your transactions, and offer your customers value-added services from your phone. The Squad app is a more convenient and accessible version of the Squad dashboard, putting all your digital payment needs in one place. With Squad, you no longer have to worry about whether your customers have cash. They can pay you quickly and securely using their preferred payment methods. Download the app today What you can get from the Squad app: Set up an account in 3 minutes and start transacting immediately: Squad offers a swift sign-up process that allows you to start receiving payments even before completion. To complete the sign-up, all you need is your phone number, email, BVN, and NIN (for individual businesses)/CAC registration information (for registered businesses). Transact on the go: Say goodbye to hectic bank queues and hello to easy payments. With Squad, you can receive money from customers anytime, anywhere. Our virtual account feature enables you to receive instant transfers in-person or online, and Squad USSD helps you receive payments even when there is no internet coverage. Sell Airtime and Data to make extra cash: Beyond managing your business payments, you can earn more from buying and selling airtime and data on Squad! Seamless payout transfers: Send money to any account conveniently and without restrictions. Instant credit confirmations: Confirm payments in no time to speed up your customers’ payment experiences. Automated payments for easy reconciliation/ Access detailed transaction histories for easy accounting: Squad simplifies your accounting by helping you track your transactions and monitor your payment history in real-time. Thanks to the user-friendly interface, managing payments is easier than ever. Receive international payments: Now, you can take your business to global markets with Squad. Wherever your customers are in the world, you can accept payment from them and have it settled to you in USD. Get paid with no internet connectivity: You no longer have to miss a sale when your customers forget their debit cards at home or do not have cash in their wallets. With Squad USSD, your customers can enter your customized code on their mobile devices to make transfers to you instantly, with no internet connection or data needed! 100% secure: Squad adopts multi-layered encryption to safeguard you and your customers’ information, with 24/7 real-time fraud screening and monitoring to track every transaction. Next-day settlements: Get your money fast. Squad transfers your funds into your bank account by the next business day. Transparent fees, no hidden charges: Find out more about our pricing by accessing our pricing calculator here - https://squadco.com/pricing/ 24/7 customer support available: You can contact our support team to assist with any enquiries that you may have. **Squad is a product of HabariPay Ltd, a Guarantee Trust Holding Company subsidiary that provides payment solutions to businesses. **HabariPay Limited is a licensed company by the Central Bank of Nigeria, and Squad is its product brand. **For more information about Squad, please visit www.squadco.com, or contact help@squadco.com for support. **Stay updated about Squad: - Instagram: @Officialsquadco - Twitter: @Officialsquadco - Facebook: @Officialsquadco - Medium: @Squadco It’s more than payments. Download Squad now!

Screenshots

STECS4 screens
Squad Business3 screens

Verdict

The call

The clearest difference is review sentiment: Squad Business at 100% against STECS's 33%. Squad Business also leads on rating (5.0 vs 4.3) and iOS requirement (12.0 vs 15.5). STECS's advantage is update cadence (every 3 weeks vs every 3 months) and ratings volume (10 vs 2). On price, ads, in-app purchases and monetization model 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

Squad Business holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: STECS has 10 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 33% of STECS's written reviews are positive against 100% of Squad Business's.

UpkeepUpdate frequency

STECS ships an update every 3 weeks, Squad Business every 3 months. The most recent releases landed on October 20, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
STECS versus Squad Business: the parameters behind the verdict, then further details
ParameterSTECSSquad Business
PriceFreeFree
Rating4.3 (10 ratings)5.0 (2 ratings) — better
Positive reviews33.3% of reviews100.0% of reviews — better
Number of ratings10 — better2
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.512.0 — better
Further details — not scored
Size116 MB45 MB
Age rating4+17+
DeveloperSTECS FINANCIAL TECHNOLOGIES LTDHabaripay Limited

Customer experience

STECS

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews3 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Squad Business

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

STECS

No in-app purchases

None

Squad Business

No in-app purchases

Questions

Is STECS free?
STECS is free to download, with no in-app purchases.
Is Squad Business free?
Squad Business is free to download, with no in-app purchases.
Which has better reviews, STECS or Squad Business?
Squad Business is rated higher. STECS averages 4.3 out of 5 from 10 ratings, while Squad Business averages 5.0 from 2 ratings.
Do STECS or Squad Business have ads?
Neither STECS nor Squad Business shows ads.
Which is updated more often, STECS or Squad Business?
STECS ships an update every 3 weeks, and Squad Business every 3 months. Most recently, STECS was updated on October 20, 2026 and Squad Business on October 24, 2026.

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