Comparison

Ascom Pay vs Payluk Escrow

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

Head to head
About

Ascom Pay

Features
Read full description

Welcome to Ascompay, the ultimate fintech app transforming how you manage your money. Packed with cutting-edge features, Ascompay is your go-to solution for seamless, secure, and convenient transactions. Key Features: 1. Offline Payments: •⁠ ⁠Complete transactions without an internet connection. •⁠ ⁠Never worry about connectivity issues again. 2. NFC & Tap-to-Pay: •⁠ ⁠Make fast, contactless payments with a simple tap. •⁠ ⁠Enjoy the convenience and security of modern payment technology. 3. Swift and secure Payments: •⁠ ⁠Send money securely and with ease. •⁠ ⁠Experience fast, secure, and low-cost transfers. 4. Wallets: •⁠ ⁠Organize your finances effortlessly. •⁠ ⁠Track your spending and manage your funds with ease. 5. Virtual Cards: •⁠ ⁠Create virtual cards for online shopping. •⁠ ⁠Enhance your security and control over your payments. Why Choose Ascompay? •⁠ ⁠Innovative Technology: Leverage the latest in fintech for a superior payment experience. •⁠ ⁠Unmatched Convenience: From offline payments to virtual cards, manage all your transactions in one place. •⁠ ⁠Global Reach: Effortlessly handle cross-border payments with Ascompay technology. Whether you're buying groceries, dining out, or sending money overseas, Ascompay is your all-in-one solution for a streamlined and secure financial experience.

About

Payluk Escrow

Features
Read full description

Payluk Escrow is Nigeria’s trusted escrow fintech platform, designed to protect buyers and sellers from online fraud in e-commerce, services, and B2B deals. By holding funds securely until agreements are fulfilled, Payluk ensures safe transactions with bank-grade encryption and fraud detection. Tailored for Nigeria’s vibrant market, Payluk supports businesses, individuals, and corporates with seamless mobile and web experiences. Why Payluk Escrow? Safe Transactions: Escrow holds funds until delivery or services are confirmed, preventing scams. User-Friendly: Easy onboarding and intuitive interfaces for all users. Trusted by All: From social commerce to corporate procurement, Payluk secures diverse transactions. Transparent Tracking: Monitor funds with our real-time escrow tracker. Local Support: Responsive assistance via WhatsApp and email for Nigerian users. For Businesses E-commerce vendors, freelancers, car dealers, and event planners rely on Payluk to secure payments. Integrate our API for seamless checkouts, reduce disputes, and build trust. Join SMEs in Lagos and Abuja using Payluk for scam-free sales. For Individuals Shop or sell confidently on social platforms like Instagram or WhatsApp. Payluk protects your money for peer-to-peer trades, from gadgets to services. Start with guided tutorials and earn referral credits. For Corporates Streamline B2B payments, property deals, or contracts with secure escrow services. Compliant with Nigerian regulations, Payluk offers customizable solutions for procurement units, developers, and NGOs. Key Features Secure escrow for goods, digital products, and services Optional KYC verification for enhanced trust Dispute resolution support API integration for e-commerce platforms Multi-currency support (coming soon) Get Started Download Payluk Escrow to trade securely in Nigeria’s online marketplace. Whether buying a phone, selling services, or closing corporate deals, Payluk ensures your money is safe. Join thousands building trust today!

Screenshots

Ascom Pay4 screens
Payluk Escrow4 screens

Verdict

The call

The clearest difference is update cadence: Ascom Pay at every 10 days against Payluk Escrow's monthly. Ascom Pay also leads on iOS requirement (13.4 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

Ascom Pay ships an update every 10 days, Payluk Escrow monthly. The most recent releases landed on October 11, 2026 and October 5, 2026 respectively.

Scorecard2 real differences · 4 level
Ascom Pay versus Payluk Escrow: the parameters behind the verdict, then further details
ParameterAscom PayPayluk Escrow
PriceFreeFree
Update frequencyEvery 10 days — betterMonthly
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.4 — better15.1
Further details — not scored
Size31 MB46 MB
Age rating17+4+
DeveloperAscom Global ICT Services LTDPayluk

In-app purchases

None

Ascom Pay

No in-app purchases

None

Payluk Escrow

No in-app purchases

Questions

Is Ascom Pay free?
Ascom Pay is free to download, with no in-app purchases.
Is Payluk Escrow free?
Payluk Escrow is free to download, with no in-app purchases.
Do Ascom Pay or Payluk Escrow have ads?
Neither Ascom Pay nor Payluk Escrow shows ads.
Which is updated more often, Ascom Pay or Payluk Escrow?
Ascom Pay ships an update every 10 days, and Payluk Escrow monthly. Most recently, Ascom Pay was updated on October 11, 2026 and Payluk Escrow on October 5, 2026.

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