BoldPay vs PayRep Business
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
BoldPay
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Are you an Agent Banker? Take charge of your agency banking business with our multifunctional POS app. With a user-friendly interface and high-tech security features, our app is designed to work seamlessly with your POS device(s) so you can manage your business, grow your customer base, and offer numerous services across Africa. Our app also allows you to onboard up to one million agents and track all transactions on the go. To get started, simply download the app, sign up, and request a POS. Even if you're new to agency banking, our app makes it easy for you to recruit sub-agents in select locations across the world and manage your business operations efficiently. Plus, you can perform financial and non-financial transactions on behalf of customers using either your POS device or the mobile app. With our in-app functionality, you can offer cash out, pay by transfer, cash-in, bill payment services, open bank accounts, request loans through licensed third parties, and access float through partner banks. And with just a few clicks, you can remotely monitor transactions on as many as one million POS devices connected to your app. Our initiative is powered by ErrandPay, a trusted name in financial innovation and inclusion across Africa, leading the conversation of financial inclusion in Africa has earned them the reputation of being the agent's realest pal and lifeline. Our prompt response to users' queries and dedication to supporting our agents 24/7 has made our platform the must-have in Africa. Don't wait to be told, sign up now and join agents across Africa who trust us to take their business to the next level. We support a wide range of countries, including Nigeria, Ghana, Egypt, South Africa, Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Central Africa Republic, Chad, Comoros, Congo, Congo DRC, Djibouti, Equatorial Guinea, Eritrea, Eswatini, Ethiopia, Gabon, Guinea, Guinea Bissau, Ivory Coast, Kenya, Lesotho, Liberia, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Rwanda, Sao Tome & Principe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Tanzania, The Gambia, Togo, Tunisia, Uganda, Zambia and Zimbabwe.
PayRep Business
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Payrep is a modern microfinance banking application designed to make saving, borrowing, and managing money easy and accessible for everyone, from individuals to small businesses. Whether you're looking to open a savings account, apply for a loan, pay bills, or transfer money securely, Payrep gives you the tools to take full control of your finances anytime, anywhere. KEY FEATURES: Open and Manage Bank Accounts Easily open a fully digital savings or current account in minutes. Get access to your account details, balances, transaction history, and statements, all from your phone. Secure Money Transfers Send and receive money instantly across banks. Enjoy fast, reliable transfers within the Payrep network or to other Nigerian bank accounts using NIP. Fixed Deposits Grow your money with fixed deposit options tailored to your financial goals. Choose your deposit amount and duration, track interest, and withdraw when it matures. Apply for Loans Easily Need a quick loan? Apply directly from the app. No paperwork or long queues. Get instant loan approvals, flexible repayment plans, and transparent interest rates. Bill Payments & Airtime Top up airtime and data for all major networks. Pay your utility bills (electricity, internet, cable TV, etc.) with ease. Say goodbye to late payments and long lines. Safe and Secure Your security is our top priority. With multi-factor authentication, encrypted transactions, and biometric login, your money and data are always protected. Real-Time Notifications Stay informed with real-time alerts for every transaction. Whether it's a debit, credit, or bill payment, youโll always be in the know. Business-Friendly Features Payrep supports micro and small businesses with tools to manage collections, receive customer payments, and access tailored credit solutions for business growth. Dispute Resolution & Support Have an issue with a transaction? Raise a ticket within the app and track it to resolution. Our responsive support team is always ready to help. WHY CHOOSE PAYREP? 1. Designed for financial inclusion 2. Built for mobile-first users 3. Trusted by growing communities and SMEs 4. Fully compliant with Nigerian banking regulations 5. Backed by licensed microfinance infrastructure WHO CAN USE PAYREP? 1. Individuals looking to save, borrow, and pay bills 2. Small business owners managing daily cash flow 3. Agents and field officers supporting underserved communities 4. Anyone who wants simple, secure, and affordable banking Download Payrep today and take control of your financial future, one smart move at a time. Your bank is now in your pocket!
Screenshots
Verdict
The clearest difference is update cadence: PayRep Business at every 4 weeks against BoldPay's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
BoldPay ships an update every 2 months, PayRep Business every 4 weeks. The most recent releases landed on October 30, 2026 and November 9, 2026 respectively.
| Parameter | BoldPay | PayRep Business |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 2 months | Every 4 weeks โ better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 โ better | 15.5 |
| Further details โ not scored | ||
| Size | 43 MB | 102 MB |
| Age rating | 17+ | 4+ |
| Developer | Errand P LTD | Xchange Box Solutions LTD |
In-app purchases
BoldPay
No in-app purchases
PayRep Business
No in-app purchases









