Rizoka vs AfriPay App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Rizoka
This app simplifies financial transactions and travel bookings for users in Africa. It offers banking services, flight bookings with discounts, gift card trading, and easy bill payments for utilities, airtime, and data. Users can also earn rewards through referrals.
- Banking services (send/receive money)
- Flight booking (domestic & international)
- Gift card buying and selling
- Utility bill payment
- Prepaid meter electricity recharge
- Airtime and data purchases with discounts
- Referral rewards program
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Here is why Rizoka is your Go-To App at all times. With Rizoka, Excellent onboarding process, receive USD deposits and withdraw in USDT & USDC Receive Money Across Boarder If you are a freelancer, creator or a remote worker living in Nigeria, Ghana, Uganda, Rwanda and other African country, Rizoka lets you create and own a USD account in your name to receive international payment, save in USD or withdraw at any time. Flight Book Domestic and International Flight on Rizoka app anytime even if you are a guest and want to try out Rizoka. Gift Cards Buy Gift Cards from top merchants instantly with Naira or USDT & USDC or convert unused Gift cards to cash in minutes. Rizoka makes every purchase easy, and rewarding. Starts from $2. Bill Payment Take control of your bills with Rizoka—easy payments, no extra fees, zero stress, and total convenience. Stablecoin Receive USDT & USDC in your Stablecoin wallet at any time, save in USD or withdraw to any USDT & USDC wallet anytime. Events Discover the moment of happiness, search and book event happening in your city and book the ticket on Rizoka App safely and simple. Rewards Earn rewards every time you refer a friend to use Rizoka—just share your Referral link or code and start earning. Don’t wait, invite your friends and family today! If you require additional information, kindly reach out to our active support team via contact@rizoka.com or call our business concierge +234 (201) 330 6155
AfriPay App
Manage your finances across Africa with this secure app. Send money, pay bills, buy airtime, and shop online using a virtual card. Track spending, split costs, and set up scheduled payments with real-time notifications.
- Send money to banks and mobile wallets
- Pay bills and buy airtime/data
- Scan to pay with QR codes
- Virtual card for online shopping
- Track spending with budgets and categories
- Request money and split group costs
- Scheduled and recurring payments
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- Meet Afripay, the simple, secure way to move money and manage everyday payments across Africa. Send to bank accounts and mobile wallets, pay bills, buy airtime and data, scan to pay at stores, and track spending in a smart wallet. Transparent fees, instant notifications, and powerful security put you in control. - What you can do: - Send money: Instant transfers to banks and mobile wallets in supported countries. - Pay bills: Electricity, TV, internet, water, and more from one place. - Airtime & data: Top up for yourself or others in seconds. - Scan to pay: Fast, secure QR payments at stores and online. - Virtual card (where available): Shop online safely with a card you control. - Spend tools: Budgets, categories, and clear insights to understand your money. - Requests & splits: Request cash, split group costs, and settle up easily. - Scheduled payments: Set recurring or future‑dated payments and reminders. - Multi‑currency (where supported): Hold and use supported currencies for travel and shopping. - Notifications: Real‑time alerts for every transaction. - Security you can trust: - Biometric login and 2‑factor checks for sensitive actions. - Bank‑grade encryption and secure tokenization. - Instant freeze, custom limits, and device controls. - Getting started: - Sign up in minutes with your phone or email. - Verify your identity to unlock higher limits where required. - Add money via bank transfer, card, or cash‑in partners (where available). - Start sending and paying instantly. - Availability: - Features and availability vary by country. Some services require device support, network availability, or additional verification.
Screenshots
Verdict
The clearest difference is review sentiment: AfriPay App at 100% against Rizoka's 0%. AfriPay App also leads on rating (5.0 vs 4.0) and update cadence (every 4 days vs fortnightly). Rizoka's advantage is ratings volume (13 vs 3). On price, ads, in-app purchases and monetization model 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.
AfriPay App holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 13 and 3 respectively. Written reviews point the same way: 0% of Rizoka's written reviews are positive against 100% of AfriPay App's.
Rizoka ships an update fortnightly, AfriPay App every 4 days. The most recent releases landed on October 28, 2026 and October 24, 2026 respectively.
| Parameter | Rizoka | AfriPay App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (13 ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 13 — better | 3 |
| Update frequency | Fortnightly | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.5 | 15.5 |
| Further details — not scored | ||
| Size | 120 MB | 122 MB |
| Age rating | 17+ | 4+ |
| Developer | Rizoka Technologies Limited | AFRIPAY LTD |
Customer experience
Rizoka
AfriPay App
In-app purchases
Rizoka
No in-app purchases
AfriPay App
No in-app purchases









