# FLEX vs iNPAY

The clearest difference is iOS requirement: iNPAY at 13.0 against FLEX's 15.6. On price, update cadence, ads and in-app purchases there is nothing between them.

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

FLEX ships an update every 2 weeks, iNPAY fortnightly. The most recent releases landed on October 24, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | FLEX | iNPAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (11 ratings)](https://appshunter.io/ios/app/flex-instant-payments/id6740035091/reviews)** | — |
| Number of ratings | **11** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Fortnightly** |
| Monetization | Free | — |
| Size | 151 MB | 80 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Koinage LLC](https://appshunter.io/developer/1558567429) | [INTECH MANAGEMENT LIMITED](https://appshunter.io/developer/1794168843) |

## What reviewers say

### FLEX

[App page](https://appshunter.io/ios/app/flex-instant-payments/id6740035091)

Send and receive money instantly in Nigeria using a unique PayTag. Easily pay merchants via QR codes or directly in the app, and request funds with notes for clear tracking. Upgrade your tier for higher limits and enhanced features.

**Highlights:** Instant money sending and receiving, Pay with PayTag, Merchant QR code payments, Request money with notes, Tiered verification for higher limits, Real-time transaction tracking, In-app support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### iNPAY

[App page](https://appshunter.io/ios/app/inpay/id6741436449)

**In-app purchases:** none


## Frequently asked questions

### Is FLEX free?

FLEX is free to download, with no in-app purchases.

### Is iNPAY free?

iNPAY is free to download, with no in-app purchases.

### Do FLEX or iNPAY have ads?

Neither FLEX nor iNPAY shows ads.

### Which is updated more often, FLEX or iNPAY?

FLEX ships an update every 2 weeks, and iNPAY fortnightly. Most recently, FLEX was updated on October 24, 2026 and iNPAY on October 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*