Payhammer vs QikPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payhammer
This app offers modern financial solutions for underserved communities and small businesses. It provides a personalized experience to help users achieve financial freedom with features like mobile check deposit and earned wage access.
- Inclusive financial access
- Earned wage access (coming soon)
- Mobile check deposit (coming soon)
- Small business tools
- Personalized financial experience
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Payhammer is your gateway to modern, inclusive financial solutions—redefining banking for underserved communities and small businesses. Whether you're a growing entrepreneur or an individual striving for financial freedom, the Payhammer app delivers a seamless, personalized experience designed to meet your unique needs. Key Features: • Inclusive Access: Empowering underserved communities with innovative financial tools to promote true economic opportunities. • Earned Wage Access (Coming Soon): Don’t wait for payday—access your earned wages when you need them, giving you greater control over your cash flow. • Mobile Check Deposit (Coming Soon): Deposit checks anytime, anywhere using your phone with Remote Deposit Capture (RDC). • Small Business Ready: Built-in tools to support small business owners and entrepreneurs on their financial journey. Why Payhammer? We're not just another financial app—we're committed to reshaping the future of finance with equity, accessibility, and empowerment at the core. Payhammer is a financial technology company, not a bank. Banking services provided by Mbanq's bank partner, Evolve Bank & Trust, Member FDIC. Download Payhammer today and take your first step toward financial freedom. Need help? Contact us at: support@Payhammer.com [:mav: 1.2.330]
QikPay
This platform allows merchants to accept payments directly from customers without any transaction fees. It securely connects bank accounts via an open-banking partner, ensuring funds transfer directly with no hidden charges.
- Zero transaction fees for merchants
- Direct bank account connections
- Secure payment processing
- No hidden charges
- Supports small businesses and growing brands
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We are revolutionizing the way money moves. Our platform enables merchants to accept payments from customers without paying a single transaction fee. Both merchants and customers securely connect their bank accounts through our open-banking partner, Quiltt, allowing payments to transfer directly - no cards, no hidden charges.
Screenshots
Verdict
The clearest difference is review sentiment: QikPay at 100% against Payhammer's 50%. QikPay also leads on rating (5.0 vs 3.2) and update cadence (every 3 weeks vs every 6 months). Payhammer's advantage is iOS requirement (13.0 vs 16.4). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
QikPay holds the better App Store score, 5.0 against 3.2. Both are backed by a comparable volume of ratings — 5 and 5 respectively. Written reviews point the same way: 50% of Payhammer's written reviews are positive against 100% of QikPay's.
Payhammer ships an update every 6 months, QikPay every 3 weeks. The most recent releases landed on October 12, 2026 and October 24, 2026 respectively.
| Parameter | Payhammer | QikPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.2 (5 ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 5 | 5 |
| Update frequency | Every 6 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 60 MB | 44 MB |
| Age rating | 17+ | 4+ |
| Developer | Payhammer LLC | QikPay |
Customer experience
Payhammer
QikPay
In-app purchases
Payhammer
No in-app purchases
QikPay
No in-app purchases
