# Pagarva vs CloovaPay

The clearest difference is rating: Pagarva at 5.0 against CloovaPay's 3.8. CloovaPay's advantage is update cadence (every 2 days vs every 2 weeks) and iOS requirement (15.5 vs 18.0). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Pagarva holds the better App Store score, 5.0 against 3.8. Both are backed by a comparable volume of ratings — 5 and 5 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Pagarva ships an update every 2 weeks, CloovaPay every 2 days. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Pagarva | CloovaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (5 ratings)](https://appshunter.io/ios/app/pagarva/id6466799666/reviews)** | [3.8 (5 ratings)](https://appshunter.io/ios/app/cloovapay/id6786262134/reviews) |
| Number of ratings | 5 | 5 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 2 days** |
| Monetization | Free | Free |
| Size | 139 MB | 91 MB |
| Requires iOS | 18.0 | **15.5** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [PAGARVA INC](https://appshunter.io/developer/1707822313) | [Cloova Global Limited](https://appshunter.io/developer/6786262286) |

## What reviewers say

### Pagarva

[App page](https://appshunter.io/ios/app/pagarva/id6466799666)

This app streamlines payment acceptance for micro-businesses by consolidating various payment methods into a single, professional platform. It offers instant deposits and flexible fee management, allowing businesses to maintain flexibility and professionalism.

**Highlights:** Accept all major payment methods, Instant deposits to bank account, Flexible transaction fee management, Organized income tracking, Multilingual support, No hardware required

**Features:** Apple Wallet, iMessage stickers, Vision Pro support

**In-app purchases:** none


### CloovaPay

[App page](https://appshunter.io/ios/app/cloovapay/id6786262134)

A secure digital wallet for managing money, sending and receiving transfers, and paying bills. It offers identity verification for enhanced account security and tracks your transaction history.

**Highlights:** Personal wallet creation and management, Identity verification (BVN and NIN), Secure money transfers, Bill payment functionality, Transaction history tracking

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Pagarva free?

Pagarva is free to download, with no in-app purchases.

### Is CloovaPay free?

CloovaPay is free to download, with no in-app purchases.

### Which has better reviews, Pagarva or CloovaPay?

Pagarva is rated higher. Pagarva averages 5.0 out of 5 from 5 ratings, while CloovaPay averages 3.8 from 5 ratings.

### Do Pagarva or CloovaPay have ads?

Neither Pagarva nor CloovaPay shows ads.

### Which is updated more often, Pagarva or CloovaPay?

Pagarva ships an update every 2 weeks, and CloovaPay every 2 days. Most recently, Pagarva was updated on November 3, 2026 and CloovaPay on November 5, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*