Comparison

PayGuy vs Zest Business

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
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A fintech app for all your bill payments

About

Zest Business

Features
Read full description

Run your business anywhere with the Zest Merchant App. Your smart, secure payment solution. The Zest Merchant App is your mobile access point for managing payments and business tools available on Zest. It gives you secure, on-the-go access to your key tools, so you can track transactions, monitor performance, and respond faster, wherever you are. With built-in security and smart analytics, it keeps you in control without being tied to a desk. The full power of Zest on mobile: Multi-Rail Payments – Accept payments through card, bank transfer, QR, USSD, Google Pay, Apple Pay, and more. Robust Dashboard – View transactions, disputes, settlement position, and trends in easy-to-read charts and summaries. Storefront Management – Add products, manage orders, and handle shipping all in one place. Invoicing & Billing – Generate invoices, create payment pages, and send payment links with ease. Complete Profile Management – Update user and business profiles, manage API keys, and configure security settings. Access Management – Add team members and assign roles with custom rights and privileges. Advanced Security – Biometric login, two-factor authentication, and end-to-end encryption keep your data protected. Real-Time Notifications – Stay up to date with push alerts and in-app notifications. Dispute Resolution & Support – Monitor disputes and reach out to support from within the app. The Zest Merchant App is ideal for: Starter and individual businesses Registered SMEs NGOs and public organisations Anyone looking to accept and manage payments efficiently

Screenshots

PayGuy4 screens
Zest Business4 screens

Verdict

The call

The clearest difference is update cadence: PayGuy at fortnightly against Zest Business's every 5 months. PayGuy also leads on iOS requirement (13.0 vs 15.1). 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, Zest Business every 5 months. The most recent releases landed on November 4, 2026 and November 8, 2026 respectively.

Scorecard2 real differences · 8 level
PayGuy versus Zest Business: the parameters behind the verdict, then further details
ParameterPayGuyZest Business
PriceFreeFree
Rating5.0 (2 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings2 — better—
Update frequencyFortnightly — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size34 MB37 MB
Age rating17+17+
DeveloperUpperlink DigitalZest Payments Limited

In-app purchases

None

PayGuy

No in-app purchases

None

Zest Business

No in-app purchases

Questions

Is PayGuy free?
PayGuy is free to download, with no in-app purchases.
Is Zest Business free?
Zest Business is free to download, with no in-app purchases.
Do PayGuy or Zest Business have ads?
Neither PayGuy nor Zest Business shows ads.
Which is updated more often, PayGuy or Zest Business?
PayGuy ships an update fortnightly, and Zest Business every 5 months. Most recently, PayGuy was updated on November 4, 2026 and Zest Business on November 8, 2026.

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