iNvas vs PayRep Business
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
iNvas
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InVas is your go-to platform for simplifying everyday tasks, including airtime top-up, data purchase, utility bill payments, and cable subscription management. Our user-friendly platform is designed to save you time and streamline your transactions, offering a seamless experience for accessing multiple services in one place. As a user, you not only enjoy the convenience of our platform but also benefit from our rewards and loyalty programs. Take advantage of discounts on purchases and earn points for every referral, which can be redeemed for exciting rewards such as gifts, discounts, and cash-back. InVas is committed to enhancing your daily transactions with ease and added value.
PayRep Business
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Payrep is a modern microfinance banking application designed to make saving, borrowing, and managing money easy and accessible for everyone, from individuals to small businesses. Whether you're looking to open a savings account, apply for a loan, pay bills, or transfer money securely, Payrep gives you the tools to take full control of your finances anytime, anywhere. KEY FEATURES: Open and Manage Bank Accounts Easily open a fully digital savings or current account in minutes. Get access to your account details, balances, transaction history, and statements, all from your phone. Secure Money Transfers Send and receive money instantly across banks. Enjoy fast, reliable transfers within the Payrep network or to other Nigerian bank accounts using NIP. Fixed Deposits Grow your money with fixed deposit options tailored to your financial goals. Choose your deposit amount and duration, track interest, and withdraw when it matures. Apply for Loans Easily Need a quick loan? Apply directly from the app. No paperwork or long queues. Get instant loan approvals, flexible repayment plans, and transparent interest rates. Bill Payments & Airtime Top up airtime and data for all major networks. Pay your utility bills (electricity, internet, cable TV, etc.) with ease. Say goodbye to late payments and long lines. Safe and Secure Your security is our top priority. With multi-factor authentication, encrypted transactions, and biometric login, your money and data are always protected. Real-Time Notifications Stay informed with real-time alerts for every transaction. Whether it's a debit, credit, or bill payment, youโll always be in the know. Business-Friendly Features Payrep supports micro and small businesses with tools to manage collections, receive customer payments, and access tailored credit solutions for business growth. Dispute Resolution & Support Have an issue with a transaction? Raise a ticket within the app and track it to resolution. Our responsive support team is always ready to help. WHY CHOOSE PAYREP? 1. Designed for financial inclusion 2. Built for mobile-first users 3. Trusted by growing communities and SMEs 4. Fully compliant with Nigerian banking regulations 5. Backed by licensed microfinance infrastructure WHO CAN USE PAYREP? 1. Individuals looking to save, borrow, and pay bills 2. Small business owners managing daily cash flow 3. Agents and field officers supporting underserved communities 4. Anyone who wants simple, secure, and affordable banking Download Payrep today and take control of your financial future, one smart move at a time. Your bank is now in your pocket!
Screenshots
Verdict
The clearest difference is ads: PayRep Business at none against iNvas's shown. iNvas's advantage is iOS requirement (11.0 vs 15.5). On price, update cadence, in-app purchases and device support there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
iNvas ships an update every 5 weeks, PayRep Business every 4 weeks. The most recent releases landed on November 7, 2026 and November 9, 2026 respectively.
| Parameter | iNvas | PayRep Business |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 5 weeks | Every 4 weeks โ better |
| Ads | Yes | No โ better |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 11.0 โ better | 15.5 |
| Further details โ not scored | ||
| Size | 42 MB | 102 MB |
| Age rating | 17+ | 4+ |
| Developer | Interra Networks Limited | Xchange Box Solutions LTD |
In-app purchases
iNvas
No in-app purchases
PayRep Business
No in-app purchases









