PayGuy vs Baff
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayGuy
Manage all your bills and financial transactions in one place. This fintech application simplifies payment processes for users, offering a convenient way to handle financial obligations.
- Bill payments
- Financial transactions
- Payment management
- Fintech solutions
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A fintech app for all your bill payments
Baff
This financial service app allows users to send money and pay for goods and services easily, even without an internet connection. It offers secure, fast transactions, instant bank account opening, and reliable international payment options.
- Offline money transfers
- Pay for goods and services
- Bank transfers within Nigeria
- Instant bank account opening
- International Visa/Mastercard
- Airtime and data top-up
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BAFF is a financial service company in Nigeria focused on making it easy for people to access financial services. With BAFF, you can send money or pay anyone for goods and services with or without an internet connection and the person can rest assured they will get paid. Our mission is to make financial services more inclusive through technology, BAFF is dedicated to providing secure, super-fast services with additional perks. With a BAFF account, you will have full control of your finances, payments & transactions easily, all on one platform! Services you'll love on BAFF: - Offline Wallet: Send money to anyone without internet connection - Send money to anyone in Nigeria - Pay for goods and services - Bank transfer to any bank in Nigeria - Instant bank account opening - Instant transfer - Airtime / Data Top-up - Reliable US Dollar Visa/Mastercard for international purchases - Amazing customer service (Online and phone support) Contact us A dedicated support team is available 24/7 for all your questions and complaints. Website: www.baffapp.com Facebook: @baffapps Instagram: @baff_app TikTok: @baffapp LinkedIn: baffapp
Screenshots
Verdict
PayGuy and Baff both sit at 5.0 stars, but that hides the real split: 100% of PayGuy's written reviews are positive against 50% of Baff's. PayGuy also leads on iOS requirement (13.0 vs 15.5). Baff's advantage is update cadence (weekly vs fortnightly) and ratings volume (6 vs 2). On price, rating, 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.
On the App Store both sit at effectively the same score — 5.0 for PayGuy against 5.0 for Baff. Both are backed by a comparable volume of ratings — 2 and 6 respectively. Written reviews are what separate them: 100% of PayGuy's written reviews are positive against 50% of Baff's.
PayGuy ships an update fortnightly, Baff weekly. The most recent releases landed on June 1, 2026 and August 1, 2026 respectively.
| Parameter | PayGuy | Baff |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) | 5.0 (6 ratings) |
| Positive reviews | 100.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 2 | 6 — better |
| Update frequency | Fortnightly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 34 MB | 103 MB |
| Age rating | 17+ | 17+ |
| Developer | Upperlink Digital | Uvacct |
Customer experience
PayGuy
Baff
In-app purchases
PayGuy
No in-app purchases
Baff
No in-app purchases
