Zap by Paystack vs Delight

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.

Delight helps you take real control of your money through smart budgeting, voluntary spending locks, and automated payments. HOW IT WORKS Fund your wallet, allocate money to budgets, and spend with purpose. Every naira has a job. BUDGET YOUR WAY Create budgets for anything—groceries, transport, entertainment, savings. Set daily, weekly, or monthly periods. Get alerts before you overspend. Choose what happens to leftover money. LOCK YOUR SPENDING Our standout feature. Voluntarily lock your budget for a period you choose. Trying to save? Lock it. Tempted to overspend? Lock it until you're ready. Early unlock is available—with a penalty, because real commitment has consequences. Timed locks that release automatically Manual locks you control Recurring locks (e.g., lock weekdays, unlock weekends) SET SPENDING LIMITS Cap how much you spend per day or per transaction. Exceed your limit? You can proceed, but you'll pay a small penalty. It's friction that makes you think twice. AUTOMATE PAYMENTS Schedule recurring payments for bills and transfers. Airtime, electricity, subscriptions—paid on time, every time. Set reminders or require approval before each payment runs. PAY BILLS INSTANTLY Airtime & Data: MTN, Glo, Airtel, 9Mobile TV: DSTV, GOTV, Startimes, Showmax Electricity: All major providers Internet: Spectranet, Smile SHARE WITH FAMILY Give others access to spend from your budgets. Perfect for couples, parents, or roommates. You see every transaction and control access. SECURE Biometric login, transaction PIN, encrypted data, and funds held with our licensed banking partner.