Comparison

RizPay vs Zes finance

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

Head to head
About

RizPay

This platform simplifies bill payments in Nigeria, offering fast and secure transactions for airtime, data, cable TV, and electricity. It's designed for individuals and small businesses to manage essential payments efficiently and affordably.

Highlights
  • Airtime recharge
  • Data bundle purchases
  • Cable TV subscriptions
  • Electricity bill payments
  • Fast and secure transactions
  • Referral program for earnings
Features
Read full description

RizPay: Simplify Your Bill Payments RizPay is a reliable platform for fast, secure, and affordable bill payments in Nigeria. Tailored for individuals and small business owners, RizPay simplifies the management of essential payments. From airtime recharges to data bundles, cable TV subscriptions, and electricity bills, RizPay consolidates all your payment needs into one easy-to-use app. Why Choose RizPay? Recognizing the significance of dependable and cost-effective financial tools, we designed RizPay with the user in mind. Our goal is to enable Nigerians to effortlessly manage their bills, offering features that save both time and money. Core Features: Airtime Recharge: Instantly top up your phone for MTN, Glo, Airtel, and 9Mobile. Data Bundles: Access affordable data plans for personal or business use. Cable TV Subscriptions: Easily renew your DSTV, GOTV, and Startimes subscriptions. Electricity Payments: Settle bills for all Nigerian electricity distributors, including IKEDC, EKEDC, IBEDC, and others, at competitive rates. Fast Transactions: Complete payments in seconds with an intuitive interface designed for simplicity. Secure Platform: Enjoy peace of mind with advanced encryption that protects your data and transactions. Referral Program: Earn commissions when you invite friends to join RizPay and make their first payment. Coming Soon Features: RizPay is constantly evolving to bring you even more convenience. Here’s a glimpse of what’s on the horizon: Gamified Payments: Turn payments into fun challenges and earn rewards. Scheduled Transactions: To avoid service interruptions, set up recurring payments for airtime, data, or cable TV. Wallet Feature: Store funds securely in your RizPay wallet for faster transactions. Invoice Management: Track your bill history and download invoices directly from the app. Business Tools: Bulk payment options and analytics for small business owners. How RizPay Stands Out Lowest Transaction Fees: Save money with competitive rates on all payments. All-in-One Solution: Manage all your essential bills in one app. User-Friendly Design: Navigate easily whether you’re a tech-savvy user or new to digital payments. Comprehensive Coverage: Support for all major networks, TV providers, and electricity distribution companies across Nigeria. Join Thousands Simplifying Their Lives Discover why RizPay is Nigeria’s trusted choice for bill payments. Join thousands of satisfied users who are simplifying their lives with RizPay. Download now and take control of your bills today!

About

Zes finance

Features
Read full description

Pay Bills, send and receive money, Airtime to Cash, Data to Cash & VTU all easy Zes Finance makes it easy to pay bills, send and receive money, Convert Airtime to Cash, Convert Data to Cash & VTU all made easy. Zes Finance is your friendly online payments and transactions sweetheart. Easily, efficiently, and seamlessly are bills, money transfers, savings, airtime/ mobile data top-up and transactions carried out. It only requires #0 to create an account with Zes Finance, therefore there are no charges needed to own a space on our platform. Security is a mandated priority on Zes Finance and so customer details, savings and every activity done on Zes Finance is safe and impenetrable by any third party. Airtime to Cash Sell and convert your Airtime to cash with instant withdrawal to your bank account. Supported for all networks. Data to Cash Sell and convert your Data to cash with instant withdrawal to your bank account. Supported for all networks. Bills Personal and Utility Bills such as TV subs and Electricity bills are easily handled with no rigorous processes attached, and with the help of recurring payments available, you can handle the same bills over and over again without having to start from scratch. Money Transfers Send and receive money via your Zes Finance e-wallet from another Zes Finance wallet and any other digital payment platform or bank straight away. Savings The Zes Finance E-wallet allows you keep and safeguard your money with no complications nor security issues. Airtime and Mobile Data Top-ups Easily and quickly purchase cheap airtime and data from every service provider provided on Zes Finance with no extra charges included. Transactions You can pay for and receive payment for services and products with Zes Finance. These payments can be made to any other e-wallets and banks without unnecessary extra procedures. Zes Finance offers best experiences with every transaction and deal done on the platform. Remember it is Easy, Safe, Fast, and Comfy with Zes Finance. You can also visit our website at: https://vtu.zescompanyltd.com/ And never hesitate to reach out to us for further enquires at: zesfinancesupport@zescompanyltd.com

Screenshots

RizPay4 screens
Zes finance4 screens

Verdict

The call

The clearest difference is ads: RizPay at none against Zes finance's shown. On price, update cadence, 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

RizPay ships an update fortnightly, Zes finance every 3 weeks. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.

Scorecard1 real difference · 9 level
RizPay versus Zes finance: the parameters behind the verdict, then further details
ParameterRizPayZes finance
PriceFreeFree
Rating5.0 (2 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings2 — better—
Update frequencyFortnightly — betterEvery 3 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.415.0 — better
Further details — not scored
Size54 MB30 MB
Age rating4+17+
DeveloperRIZPAY DIGITAL SOLUTIONSZara Easy Services LTD

In-app purchases

None

RizPay

No in-app purchases

None

Zes finance

No in-app purchases

Questions

Is RizPay free?
RizPay is free to download, with no in-app purchases.
Is Zes finance free?
Zes finance is free to download, with no in-app purchases.
Do RizPay or Zes finance have ads?
Zes finance shows ads; RizPay does not.
Which is updated more often, RizPay or Zes finance?
RizPay ships an update fortnightly, and Zes finance every 3 weeks. Most recently, RizPay was updated on November 4, 2026 and Zes finance on November 5, 2026.

Other comparisons