Earna vs TomiPay

Earna is a financial platform designed for freelancers, contractors, and remote workers. With USD wallets, crypto funding, currency conversion, and virtual cards, it enables seamless cross-border payments and income management. Protect your earnings from inflation, pay vendors globally, and manage your finances effortlessly—all in one app. Built for the modern workforce, Earna empowers you to grow, manage, and control your income in a borderless world. Download Earna and get started today!

Turn your iPhone into a full point-of-sale system. Accept Tap to Pay, QR Code, Mobile Money and cash, no card reader required. TomiPay is the merchant app that puts every payment rail in one place. Whether you sell coffee in Vancouver, groceries in Kinshasa, or online from anywhere in the world — TomiPay works. PAYMENTS INCLUDED, ZERO FEES: • Tap to Pay: accept Visa, Mastercard, American Express, Apple Pay and Google Pay directly on your iPhone. No hardware, no monthly fee. • Mobile Money: Orange Money, M-Pesa, MTN, Wave, Airtel, Vodacom and more, across 12 African markets. • QR Code checkout: instant card payment in Greece, UAE, Thailand, Hong Kong and more. • Split Pay: offer installments to your customers with one tap. • TomiPay Wallet: peer-to-peer transfers between merchants and customers. POINT OF SALE, INCLUDED: • AI-powered product catalog: snap a photo, TomiPay generates the listing. • Real-time inventory and stock control. • Customer loyalty program with points and rewards. • Self-checkout so your customers pay themselves from their phone. • Online store — sell without building a website. • Team management with staff roles and permissions. • Real-time analytics: revenue, best-sellers, customer insights. GLOBAL COVERAGE: Active payment processing — from Canada to Congo, France to Fiji, Sydney to Athens. And everywhere else, the free POS still runs so you can sell, track customers, and grow before payment rails arrive in your market. WHY MERCHANTS CHOOSE TOMIPAY: • Zero monthly fee. Zero subscription. Free POS forever. • Under 3 minutes from download to first sale. • Works alongside your existing tools. • Built for developed AND emerging markets in the same app. Perfect for restaurants, cafés, retail shops, boutiques, food trucks, service providers, event vendors, mobile businesses, market stalls, and anyone selling face-to-face or online. Download TomiPay today. Accept your first payment in minutes.