Zap by Paystack vs PayHive

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.

PayHive makes managing your money simple, social, and stress-free. Whether you're saving on your own or pooling funds with friends and family, PayHive gives you the tools to stay in control of every naira. WALLET • View your wallet balance, total credits, debits, and transaction count at a glance • Fund your wallet instantly via bank transfer with automatic fee calculation • Filter your transaction history by day, week, or month • Export your transaction history for your records GROUP SAVINGS • Create savings groups with friends, family, or colleagues • Add members by phone number and assign roles — admins and validators • Set up multiple sub-accounts within each group for different savings goals • Choose payment frequency: daily, weekly, monthly, or yearly • Track every member's contributions and total group balance • Request withdrawals with a built-in approval workflow — validators review and approve liquidation requests • Generate group account statements for any date range • Customize group settings: control who can invite members, require withdrawal approvals, and toggle balance visibility DASHBOARD • See your total balance, savings balance, wallet balance, and active groups in one view • Scroll through balance cards for a quick financial snapshot • View recent activities and your latest group savings at a glance • Pull to refresh for real-time updates ACTIVITY & NOTIFICATIONS • Full activity feed with every transaction, contribution, and group event • Mark notifications as read, clear them individually, or clear all at once • Tap any notification for full details including amounts, dates, and status PROFILE & KYC • Manage your personal information: name, email, phone, date of birth, and address • Upload a profile photo • Add your bank account details and BVN for enhanced verification • Track your verification status across email, phone, and identity FUND YOUR WALLET • Enter any amount and see the exact fee breakdown before you pay • Service charge: 1.5% plus ₦50 stamp duty on transfers of ₦10,000 or more • Receive unique VFD bank account details for each top-up • Copy account number, bank name, and reference with one tap • Confirm your payment and watch your balance update BUILT FOR NIGERIA • Full support for Nigerian Naira (₦) • Comprehensive Nigerian bank list for account linking and transfers • State-by-state address selection • BVN integration for identity verification PayHive is built for anyone who wants to save smarter — whether that means setting aside money on your own or coordinating contributions with a group. No more spreadsheets, no more WhatsApp threads, no more guesswork. Download PayHive and start building your financial future today.