Hocpay vs kati.
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
kati.
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Kati is the easy way to pay for everyday essentials in Nigeria. Buy airtime and data for any network, pay for electricity and get your token instantly, and renew your TV subscription in seconds. Fund your secure wallet by bank transfer or card, then recharge for yourself, your family, and your friends. Every successful recharge earns you cashback. And when you pay an electricity or TV bill, Kati claps for you. Because e no easy. WHY KATI • Airtime and data for all major networks • Electricity tokens delivered instantly, with meter verification before you pay • TV subscription renewals in seconds • Cashback on every successful recharge • Schedule recurring recharges so you never run out • Abeg: request a recharge from friends and family • Buy for anyone: pick a contact or enter any number • Fast, secure wallet funding by bank transfer or card • Receipts you can save and share SECURITY FIRST Your wallet is protected by a 6-digit PIN and Face ID or fingerprint unlock. Your account is bound to your device, so a new phone needs a verification code before it can sign in. Funds and transactions are handled by licensed Nigerian payment partners. Questions or help: info@kati.ng
Screenshots
Verdict
The clearest difference is update cadence: Hocpay at every 3 weeks against kati.'s every 2 months. Hocpay also leads on iOS requirement (13.0 vs 15.1). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Hocpay ships an update every 3 weeks, kati. every 2 months. The most recent releases landed on October 17, 2026 and October 21, 2026 respectively.
| Parameter | Hocpay | kati. |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 45 MB | 33 MB |
| Age rating | 17+ | 17+ |
| Developer | Jaysmart Technology | MOAA TECH Nigeria Limited |
In-app purchases
Hocpay
No in-app purchases
kati.
No in-app purchases
