Comparison

91 Payments vs Zed

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

Head to head
About

91 Payments

Features
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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.

About

Zed

Features
Read full description

Zed is a money app for Nigerians, built around one idea. You should never have to wonder whether your money is safe. Create your account, verify your identity, get your own Zed account number, fund your wallet and send money to anyone in Nigeria. Every payment in and out sits on one clean list you can open any time. BUILT SECURE BEFORE ANYTHING ELSE Most money apps bury security in a settings menu. We put it in front of you, because you are about to trust a new app with your money and that deserves proof. Two separate PINs. One to sign in, one to move money. Someone holding your unlocked phone still cannot send a naira. Face ID. Your face opens the app and nothing else does. Passkey and password sign in. No code to intercept. Attempt limits. Too many wrong tries and the app locks itself. Brute force goes nowhere. Identity verification before your wallet goes live. Every Zed account belongs to a real, verified person. WHAT YOU CAN DO IN ZED TODAY Get your own Zed account number as soon as you are verified. Fund your wallet by transferring into that number from any account you already use. Send money to anyone in Nigeria in a few taps. See every payment in and out on a single timeline. Sign in with Face ID, a passkey, your password or your login PIN. WHO ZED IS FOR Salary earners, freelancers, vendors and anyone who wants a money app that treats security as the product rather than a footnote. THIS IS VERSION ONE This is version one of Zed. Everything you have read is in the app today, and there is a lot more coming. Free to download. Money made simple.

Screenshots

91 Payments4 screens
Zed2 screens

Verdict

The call

91 Payments and Zed are too close to call on the numbers: across 6 compared parameters โ€” price, update cadence, ads and in-app purchases among them โ€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 30, 2026 and November 10, 2026 respectively.

ScorecardNo meaningful differences
91 Payments versus Zed: the parameters behind the verdict, then further details
Parameter91 PaymentsZed
PriceFreeFree
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 โ€” better15.6
Further details โ€” not scored
Size28 MB71 MB
Age rating4+17+
DeveloperGREY INVENT TECHNOLOGY LIMITEDZed Systems Limited

In-app purchases

None

91 Payments

No in-app purchases

None

Zed

No in-app purchases

Questions

Is 91 Payments free?
91 Payments is free to download, with no in-app purchases.
Is Zed free?
Zed is free to download, with no in-app purchases.
Do 91 Payments or Zed have ads?
Neither 91 Payments nor Zed shows ads.
Which is updated more often, 91 Payments or Zed?
91 Payments ships an update every 3 weeks, and Zed every 3 weeks. Most recently, 91 Payments was updated on October 30, 2026 and Zed on November 10, 2026.

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