Comparison

iNPAY vs Payinto

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

Head to head
About

iNPAY

Read full description

iNPAY is the ultimate financial solution designed to simplify your payments and financial management. Whether you’re managing personal finances, collaborating on shared wallets with family or business partners, or making quick payments, iNPAY has you covered. Key Features: • Wallet Management: Create and manage multiple wallets for different purposes—budgeting, family expenses, business collaborations, and more. Invite others to join your wallet, set spending limits, and manage expenses together. • Seamless Money Transfers: Send and receive money effortlessly with iNPAY-to-iNPAY transfers, or make secure interbank transfers to anyone. • Bill Payments: Pay utility bills, subscriptions, and more in just a few taps, saving time and hassle. • QR Code Payments: Make secure, cashless payments by simply scanning QR codes, whether at stores or online. • Transaction History and Insights: Keep track of your spending and transactions with detailed logs and insights to help you make better financial decisions. With its intuitive design, enhanced security features, and robust functionality, iNPAY ensures a seamless and secure experience, helping you take control of your finances with ease. Why Choose iNPAY? • Safe and secure payments with advanced encryption. • Fast, reliable, and convenient financial management. • Built for both personal users and small businesses. Join the iNPAY community today and experience the future of payments!

About

Payinto

Manage personal and business finances efficiently. Send and receive money, create payment links and invoices, and pay bills. Organize savings groups and track cash flow with smart payment tools.

Highlights
  • Send and receive money
  • Create payment links and invoices
  • Pay bills (airtime, data, electricity)
  • Organize Osusu (rotational savings)
  • Track expenses and cash flow
  • Manage multiple accounts/profiles
  • QR/scan-based payments
Features
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Payinto helps you run business and personal finances from one app. Send money fast, receive payments with links and invoices, pay everyday bills, and stay in control of cash flow. With Payinto, you can: - Send and receive money with ease - Create payment links to collect payments quickly - Generate invoices for customers - Sell event tickets with no extra charges. - Pay essential bills: airtime, mobile data, electricity, and cable TV - Track expenses and monitor your cashflow - Set up scheduled payments - Set up and organise Osusu (rotational group savings) with ease. - Manage multiple accounts/business profiles in one place - Use smart, fast payment tools like QR/scan-based payment flows and voice-assisted actions. Built for speed, clarity, and control, Payinto gives you practical tools to manage money and payment operations daily so you can focus on growth.

Screenshots

iNPAY4 screens
Payinto4 screens

Verdict

The call

The clearest difference is update cadence: iNPAY at fortnightly against Payinto's every 2 months. iNPAY also leads on iOS requirement (13.0 vs 16.4). 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

iNPAY ships an update fortnightly, Payinto every 2 months. The most recent releases landed on October 10, 2026 and October 12, 2026 respectively.

Scorecard2 real differences · 7 level
iNPAY versus Payinto: the parameters behind the verdict, then further details
ParameteriNPAYPayinto
PriceFreeFree
Rating—5.0 (2 ratings) — better
Number of ratings—2 — better
Update frequencyFortnightly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS13.0 — better16.4
Further details — not scored
Size80 MB129 MB
Age rating17+4+
DeveloperINTECH MANAGEMENT LIMITEDRetenvo Technologies Limited

In-app purchases

None

iNPAY

No in-app purchases

None

Payinto

No in-app purchases

Questions

Is iNPAY free?
iNPAY is free to download, with no in-app purchases.
Is Payinto free?
Payinto is free to download, with no in-app purchases.
Do iNPAY or Payinto have ads?
Neither iNPAY nor Payinto shows ads.
Which is updated more often, iNPAY or Payinto?
iNPAY ships an update fortnightly, and Payinto every 2 months. Most recently, iNPAY was updated on October 10, 2026 and Payinto on October 12, 2026.

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