Comparison

Hocpay vs Go2Pay

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

Head to head

Hocpay

Growing small businesses

About

Hocpay

Read full description

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.

About

Go2Pay

Features

Read full description

This app allows you to create quick links and QR codes for your products and services which you can then share to get paid quickly and securely.

Screenshots

Hocpay4 screens

Go2Pay4 screens

Verdict

The call

The clearest difference is update cadence: Go2Pay at every 9 days against Hocpay's every 3 weeks. Hocpay's advantage is iOS requirement (13.0 vs 15.0). 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

Hocpay ships an update every 3 weeks, Go2Pay every 9 days. The most recent releases landed on September 13, 2026 and September 20, 2026 respectively.

Scorecard2 real differences · 4 level

Hocpay versus Go2Pay: the parameters behind the verdict, then further details
Parameter	Hocpay	Go2Pay
Price	Free	Free
Update frequency	Every 3 weeks	Every 9 days — better
Ads	No	No
In-app purchases	No	No
Devices	iPhone, iPad, iPod — better	iPhone, iPod
Requires iOS	13.0 — better	15.0
Further details — not scored
Size	45 MB	18 MB
Age rating	17+	17+
Developer	Jaysmart Technology	Gary Louison

In-app purchases

None

Hocpay

No in-app purchases

None

Go2Pay

No in-app purchases

Questions

Is Hocpay free?

Hocpay is free to download, with no in-app purchases.

Is Go2Pay free?

Go2Pay is free to download, with no in-app purchases.

Do Hocpay or Go2Pay have ads?

Neither Hocpay nor Go2Pay shows ads.

Which is updated more often, Hocpay or Go2Pay?

Hocpay ships an update every 3 weeks, and Go2Pay every 9 days. Most recently, Hocpay was updated on September 13, 2026 and Go2Pay on September 20, 2026.