91 Payments vs Hocpay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
91 Payments
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91 Payments offers a licensed environment for executing cross-border transactions. From supply chain payments to partner settlements, our infrastructure ensures your funds move securely and compliantly across borders.
Hocpay
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HocPay is a simple, secure wallet built for everyday payments in Nigeria. Fund your wallet, pay bills, send money, and earn rewards, right from your phone. Do more in one app Instant transfers: Move money to friends and family straight from your wallet. Fund wallet quickly: Keep your balance topped up so payments are always one tap away. Pay your essentials: Airtime & data, TV subscriptions, electricity tokens, education, and betting top-ups—organized and easy to find. Real rewards, not just points Rewards Weekend: Extra benefits on airtime/data purchases during promo weekends. Cashback on electricity: Earn on eligible payments (above ₦1,000). Refer & earn: Invite friends and receive bonus cash when they join and use HocPay. Merchant program (optional) Ready to grow? Become a HOC Merchant and unlock higher commissions (up to 15%), referral bonuses, premium perks, and priority support. Built for trust Face ID/Touch ID & PIN protection. Auto-lock on inactivity to keep your account safe. Clear history so you always know where your money goes. Friendly support Need help? Contact support@hocpay.com from inside the app. We’re here to help. HocPay brings fast payments, fair rewards, and simple money tools together—so you can focus on life, not on bills.
Screenshots
Verdict
The clearest difference is iOS requirement: Hocpay at 13.0 against 91 Payments's 15.1. On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 14, 2026 and October 17, 2026 respectively.
| Parameter | 91 Payments | Hocpay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 28 MB | 45 MB |
| Age rating | 4+ | 17+ |
| Developer | GREY INVENT TECHNOLOGY LIMITED | Jaysmart Technology |
In-app purchases
91 Payments
No in-app purchases
Hocpay
No in-app purchases
