Zap by Paystack vs CRC Mobile

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.

CRC Mobile CRC Mobile is a comprehensive financial services and e-commerce application developed by CRC Credit Bureau, one of Nigeria's leading credit reporting agencies. The app provides a unified platform for digital wallet management, utility bill payments, professional course enrollment, and access to credit reports and financial products. CREDIT REPORTS & FINANCIAL PRODUCTS Browse and purchase individual and corporate credit reports directly from CRC Credit Bureau. Access trending reports, view detailed product descriptions, and complete purchases using your preferred payment method. Stay informed with the latest updates and news from CRC through the in-app content feed. CFEC PROFESSIONAL COURSES Explore and enrol in professional development courses offered by the CRC Financial Education Centre (CFEC). Browse available courses by category, view detailed course information including schedules, formats (online, in-person, or hybrid), pricing, and duration. Complete your enrollment and payment seamlessly within the app. SHOPPING CART & CHECKOUT Add credit reports and financial products to your cart, apply coupon codes for discounts, review your order summary, and complete checkout. The app supports multiple payment methods including card payment via Paystack, wallet payment, and bank transfer. TRANSACTION HISTORY View your complete transaction history with detailed records of all payments, purchases, and wallet activities. Filter transactions by status (successful, pending, or failed) and tap any transaction to view its full details. SECURE AUTHENTICATION Your account is protected with robust security features: Email and password login with strong validation Biometric authentication support (fingerprint and Face ID) for quick and secure access Automatic session timeout after 10 minutes of inactivity to protect your account Account deactivation option available in settings PROFILE MANAGEMENT View and manage your personal information, access privacy and security settings, get help and support through the integrated helpdesk, and learn more about CRC Credit Bureau through the About section. DIGITAL WALLET Manage your funds with a built-in digital wallet. Fund your wallet instantly using your debit card or bank transfer, view your real-time balance, and use your wallet to make payments across all services within the app. Your balance can be hidden for privacy with a single tap. BILL PAYMENTS Pay your everyday utility bills directly from the app: Airtime top-up for all major Nigerian networks (MTN, Airtel, Glo, 9mobile) Mobile data bundle purchases across all supported networks Cable TV subscription payments (DStv, GOtv, StarTimes, and more) Electricity bill payments for prepaid and postpaid meters across all major distribution companies Educational institution payments Each bill payment includes real-time customer verification, confirmation of details before payment, and instant transaction receipts. PAYMENT OPTIONS The app supports flexible payment methods across all services: Debit/credit card payments processed securely via Paystack Wallet payments using your funded in-app wallet balance Bank transfer options for wallet funding KEY FEATURES SUMMARY Buy individual and corporate credit reports Enrol in CFEC professional development courses Shopping cart with coupon code support Complete transaction history with filtering Fund and manage your digital wallet Purchase airtime, data, TV subscriptions, and electricity Real-time customer verification for bill payments Auto-logout for account security Secure payment processing via Paystack CRC Mobile is developed and maintained by CRC Credit Bureau Limited, a licensed credit bureau regulated by the Central Bank of Nigeria.