Comparison

Quark After vs KaviPay

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

Head to head
About

Quark After

Features
Read full description

As a next-generation enabler of digital finance, Quark Card seamlessly connects you to the global payments network—bridging stablecoins, bank cards, and digital assets for a faster, more flexible payment experience. Whether you're spending online, transacting in-store, or managing your assets, Quark empowers you with multi-currency wallet binding, real-time settlements, and intelligent conversion. Partnering with global networks and backed by advanced risk controls, every transaction is fast, secure, and traceable. Inspired by the smallest yet most powerful building block of matter, Quark symbolizes limitless financial potential and reflects our commitment to top-tier performance and intuitive user experience. Now, let’s use Quark,Empowering Global Payments, Beyond the Physical.

About

KaviPay

Manage your finances with virtual and physical cards, fund accounts with crypto or Naira, and pay bills instantly. Securely track spending and enjoy global payment capabilities.

Highlights
  • Virtual VISA, Mastercard, Verve, Afrigo cards
  • Physical Verve and Afrigo cards
  • Fund with cryptocurrency or Naira
  • Instant bill payments (electricity, airtime, data)
  • Biometric and two-factor authentication
  • Spending analytics and reports
Features
Read full description

Spend Anywhere. Fund with Crypto or Naira. Pay Bills Instantly. KaviPay makes managing your money simple and secure. Get instant access to virtual VISA, Mastercard, Verve and Afrigo cards, or order physical Verve and Afrigo cards delivered to your door. VIRTUAL CARDS — INSTANT & GLOBAL • Instant VISA, Mastercard, Verve, and Afrigo virtual cards • Use for online shopping, subscriptions, and digital payments worldwide • Add to Apple Pay for contactless payments • Create multiple cards for different spending needs PHYSICAL CARDS — LOCALLY ACCEPTED • Verve and Afrigo physical cards for Nigerian merchants • Use at ATMs, POS terminals, and online • Delivered securely to your registered address FLEXIBLE FUNDING • Fund with cryptocurrency (USDC, USDT, SOL, ETH, BNB, POL) • Fund with Nigerian Naira via bank transfer • Transparent exchange rates with no hidden fees PAY BILLS EFFORTLESSLY • Electricity for all major DISCOs • Mobile airtime for MTN, Glo, Airtel, 9mobile • Data bundles, DStv, GOtv, Startimes, and more SECURITY YOU CAN TRUST • Biometric authentication (fingerprint & Face ID) • Two-factor authentication for all transactions • Freeze/unfreeze cards and set spending limits • PCI DSS compliant through licensed partners SPENDING ANALYTICS • Real-time transaction tracking • Categorized spending analytics and monthly reports KaviPay operates in partnership with licensed financial institutions including Safe Haven Microfinance Bank (CBN Licensed) and PCI DSS compliant card service providers. Users must be 18+. Valid ID required for verification. Fees disclosed before confirmation. Support: support@kavipay.io

Screenshots

Quark After4 screens
KaviPay4 screens

Verdict

The call

The clearest difference is ads: KaviPay at none against Quark After's shown. Quark After's advantage is update cadence (every 3 weeks vs every 2 months) and iOS requirement (13.0 vs 15.1). On price, 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

Quark After ships an update every 3 weeks, KaviPay every 2 months. The most recent releases landed on October 8, 2026 and October 17, 2026 respectively.

Scorecard3 real differences · 7 level
Quark After versus KaviPay: the parameters behind the verdict, then further details
ParameterQuark AfterKaviPay
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—1 — better
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsYesNo — better
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size40 MB39 MB
Age rating4+4+
DeveloperJIAOZI FINANCIAL TECHNOLOGY CO., LIMITEDKavipay Limited

In-app purchases

None

Quark After

No in-app purchases

None

KaviPay

No in-app purchases

Questions

Is Quark After free?
Quark After is free to download, with no in-app purchases.
Is KaviPay free?
KaviPay is free to download, with no in-app purchases.
Do Quark After or KaviPay have ads?
Quark After shows ads; KaviPay does not.
Which is updated more often, Quark After or KaviPay?
Quark After ships an update every 3 weeks, and KaviPay every 2 months. Most recently, Quark After was updated on October 8, 2026 and KaviPay on October 17, 2026.

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