Comparison

Zap by Paystack vs Halvest

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

Head to head
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.

About

Halvest

Features
Read full description

Halvest provides access to ethical investment opportunities, allowing you to grow your wealth in both Naira and Dollar while staying true to your values. Whether you're interested in real estate, inventory financing, or startup investments, our platform enables you to invest confidently, monitor your portfolio, and manage your funds efficiently. Key Features: 1. Diverse Investment Options – Build a strong portfolio with real estate, business financing, venture investing, and other ethical investment opportunities. 2. Multi-Currency Investments – Invest in both Naira and Dollar, giving you the flexibility to grow your wealth in different currencies. 3. Portfolio Performance Tracking – Easily track your investments and monitor returns directly from your mobile device. 4. Ethical and Permissible Investments – Only Shariah-compliant and socially responsible products are listed, ensuring your investments align with your values. 5. Seamless Fund Management – Invest, track, and redeem your funds effortlessly, all in one app. Start your investment journey with Halvest today.

Screenshots

Zap by Paystack4 screens
Halvest4 screens

Verdict

The call

The clearest difference is ads: Halvest at none against Zap by Paystack's shown. Halvest also leads on device support (3 vs 1). On price, update cadence, in-app purchases and iOS requirement 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

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 10, 2026 and October 14, 2026 respectively.

Scorecard2 real differences · 8 level
Zap by Paystack versus Halvest: the parameters behind the verdict, then further details
ParameterZap by PaystackHalvest
PriceFreeFree
Rating4.3 (24 ratings) — better—
Positive reviews61.5% of reviews—
Number of ratings24 — better—
Update frequencyEvery 2 weeksEvery 2 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.1 — better
Further details — not scored
Size59 MB98 MB
Age rating17+17+
DeveloperPaystack Payments LimitedHalvest

In-app purchases

None

Zap by Paystack

No in-app purchases

None

Halvest

No in-app purchases

Questions

Is Zap by Paystack free?
Zap by Paystack is free to download, with no in-app purchases.
Is Halvest free?
Halvest is free to download, with no in-app purchases.
Do Zap by Paystack or Halvest have ads?
Zap by Paystack shows ads; Halvest does not.
Which is updated more often, Zap by Paystack or Halvest?
Zap by Paystack ships an update every 2 weeks, and Halvest every 2 weeks. Most recently, Zap by Paystack was updated on October 10, 2026 and Halvest on October 14, 2026.

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