Comparison

Afghan PAY vs Spenzi

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

Head to head
About

Afghan PAY

Empower yourself to start a business and earn daily income by selling electronic recharges in Afghanistan. This platform provides tools for online top-ups, stock management, and customer registration, with various account types available.

Highlights
  • Sell electronic recharges
  • Generate daily income
  • Online top-up services
  • Stock purchase and transfer
  • Register new customers
  • Account statement viewing
Features
Read full description

AfghanPAY Top-up is a prominent telecom distribution channel in Afghanistan. Our application empowers users to establish their own business and generate daily income by selling Afghanistan electronic recharges (e-top ups) at their convenience. We offer commissions or surplus amounts as pre-paid options and facilitate transferring the amounts along with the purchased amount. Upon registering with our system, Resellers will receive their user ID, password, and M-pin through SMS and email. Upon logging into our application, users will have access to the following services: Online Recharge (top-up) Purchase Stock Transfer Stock View Account Statement Register New Customer Account Settings for the registration process , every user is required to provide their KYC details, including Full Name, Email, Mobile Number, Address, and account type which is done via AfghanPAY web portal. We offer three types of accounts (Distributor, Sub-Distributor, and Retailer) based on the user's business scope and budget.

About

Spenzi

Features
Read full description

Spenzi - Spending management, fun as going out! You always wonder "Where did all my money go?" Don't worry, Spenzi will help you "catch red-handed" all your spending, from milk tea to luxury trips! Outstanding features: • Record income/expenditure super fast, add notes, pictures, locations, even... weather (to know if it's raining or windy that day and you spend more!). • Set a daily, weekly, monthly budget - when you run out of money, Spenzi will remind you immediately, not letting you "spend too much". • Automatic recurring transactions, no need to worry about forgetting to write down money for coffee on Monday morning. • Visual statistics, colorful charts, compare this period with the previous period - see it and understand right away! • Cool widgets: warnings about unusual spending, "weekend shopping" habits, daily saving tips, etc. • Fingerprint/FaceID security, safe data - your money, your secrets! • Customizable interface, change colors, change icons, change mood every day. Spenzi helps you: • Know where every penny goes and where it goes. • "Detect" your own spending habits. • Set savings goals and... achieve them! Download Spenzi now - So that money doesn't mysteriously "evaporate", but you can still enjoy life! Unlock all premium features with our Premium Membership!
Choose the plan that best fits your needs: * Monthly Plan – $1.99/month, auto-renews every month * Yearly Plan – $19.99/year, auto-renews every year (save 20%) * Lifetime Plan – One-time payment of $59.99, no renewal • Payment will be charged to your iTunes account at confirmation of purchase. • Your account will be charged for renewal within 24 hours prior to the end of the current period, at the cost of the selected plan.
 • Subscriptions may be managed and auto-renewal may be turned off by going to the user's Account Settings after purchase.
 • No cancellation of the current subscription is allowed during the active subscription period.
 • Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription. Privacy Policy: https://spenzi-app.lovable.app/contact Terms of Use: https://spenzi-app.lovable.app/privacy-policy#

Screenshots

Afghan PAY4 screens
Spenzi4 screens

Verdict

The call

The clearest difference is in-app purchases: Afghan PAY at none against Spenzi's 3. Spenzi's advantage is update cadence (every 3 days vs every 3 months). On price, ads, device support and iOS requirement 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. Spenzi sells 3 in-app purchases, starting at $1.99 per month. Afghan PAY asks for nothing beyond the download.

UpkeepUpdate frequency

Afghan PAY ships an update every 3 months, Spenzi every 3 days. The most recent releases landed on October 8, 2026 and October 13, 2026 respectively.

Scorecard2 real differences · 7 level
Afghan PAY versus Spenzi: the parameters behind the verdict, then further details
ParameterAfghan PAYSpenzi
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 3 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad — betteriPhone
Requires iOS16.4 — better17.0
Further details — not scored
Size54 MB4 MB
Age rating17+4+
Developermustafa yusufzaiDinh Trong Tu

In-app purchases

None

Afghan PAY

No in-app purchases

3 purchases

Spenzi

Subscriptions2
  • $1.99$1.991 Month
  • $19.99$19.991 Year
One-time1
  • $59.99$59.99

Questions

Is Afghan PAY free?
Afghan PAY is free to download, with no in-app purchases.
Is Spenzi free?
Spenzi is free to download, with in-app purchases available.
Do Afghan PAY or Spenzi have ads?
Neither Afghan PAY nor Spenzi shows ads.
Which is updated more often, Afghan PAY or Spenzi?
Afghan PAY ships an update every 3 months, and Spenzi every 3 days. Most recently, Afghan PAY was updated on October 8, 2026 and Spenzi on October 13, 2026.

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