Comparison

PayGuy vs Instant

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Bill payments
  • Financial transactions
  • Payment management
  • Fintech solutions
Features
Read full description

A fintech app for all your bill payments

About

Instant

Features
Read full description

Convenient & secure, this money exchange app enables you to send money abroad. Exchange money internationally with Instant-Ex. With low fees and upfront exchange rates, transfer money to friends and family overseas in African countries using our reliable money exchange app. Download the app now and save money and time on your international money exchanges. It’s simple, secure, and efficient to use, and in most cases, your funds will reach family and friends within minutes, whether you want to transfer money to Cameroon, Rwanda, or Ghana. Using our money exchange app, you can send money in a variety of ways, including bank deposit and mobile money. Our app also comes with some very useful features. For example, it enables you to track your transactions, so you’ll always know the exact status of your transfer. Reliable money transfers all over Africa: • With our app, you can transfer money from select countries to recipients in African countries. • These countries include Cameroon, Rwanda, Zambia, Ethiopia, Ghana, and several others. • Some of our major international partners include M-Pesa, EcoCash, MTN, and many more. A convenient and extensive service: • Extensive network and coverage: no matter how remote your recipients are, we likely have a convenient way for them to quickly access the money you’ve sent. • Depending on the destination, you can choose whether your recipient receives the money via bank transfer or in their mobile money account. • Identify and track where your money is at all times. Low-cost transfers: • We offer guaranteed exchange rates, and you can choose to get daily notification updates. • Our low-cost fees are clearly displayed upfront. Need to exchange? Here’s how it works: 1. Choose the country that you want to exchange to. 2. Confirm the exchange service - bank deposit or mobile money. 3. Select how much you want to exchange. 4. Add your recipient’s details. 5. Choose your payment method. Download now for free and start exchanging money securely and efficiently. For more information, please visit: www.instant-ex.com Want to get in touch with us? Whether you have a question to ask or a problem to solve, our Customer Service team is available 24/7, 365 days a year to assist you at www.instant-ex.com/contact-u. Save your recipients to your contact list so you don’t have to fill in their details every time.

Screenshots

PayGuy4 screens
Instant4 screens

Verdict

The call

The clearest difference is update cadence: PayGuy at fortnightly against Instant's every 6 months. On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

PayGuy ships an update fortnightly, Instant every 6 months. The most recent releases landed on June 1, 2026 and September 10, 2026 respectively.

Scorecard1 real difference · 9 level
PayGuy versus Instant: the parameters behind the verdict, then further details
ParameterPayGuyInstant
PriceFreeFree
Rating5.0 (2 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings2 — better—
Update frequencyFortnightly — betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better14.0
Further details — not scored
Size34 MB32 MB
Age rating17+17+
DeveloperUpperlink DigitalUnicoConnect Pvt Ltd

In-app purchases

None

PayGuy

No in-app purchases

None

Instant

No in-app purchases

Questions

Is PayGuy free?
PayGuy is free to download, with no in-app purchases.
Is Instant free?
Instant is free to download, with no in-app purchases.
Do PayGuy or Instant have ads?
Neither PayGuy nor Instant shows ads.
Which is updated more often, PayGuy or Instant?
PayGuy ships an update fortnightly, and Instant every 6 months. Most recently, PayGuy was updated on June 1, 2026 and Instant on September 10, 2026.

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