# Jo vs BorderlessPay.

The clearest difference is update cadence: Jo at every 4 days against BorderlessPay.'s monthly. Jo also leads on iOS requirement (13.0 vs 15.1). On price, rating, ratings volume and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 5.0 for Jo against 5.0 for BorderlessPay.. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

Jo ships an update every 4 days, BorderlessPay. monthly. The most recent releases landed on September 7, 2026 and September 9, 2026 respectively.

## The numbers

| Metric | Jo | BorderlessPay. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/jo-app/id6752572614/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/borderlesspay/id6758105572/reviews) |
| Number of ratings | 1 | 1 |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 4 days** | Monthly |
| Monetization | Free | Free |
| Size | 76 MB | 35 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [GAM TECHNOLOGY PARTNERS](https://appshunter.io/developer/1554946574) | [Borderlesspay Inc](https://appshunter.io/developer/1870900724) |

## What reviewers say

### Jo

[App page](https://appshunter.io/ios/app/jo-app/id6752572614)

This app facilitates quick conversion of cryptocurrency to Nigerian Naira with fast bank withdrawals. It also offers services for airtime, data, utility bills, flight bookings, and betting wallet funding.

**Highlights:** Crypto to Naira conversion, Fast bank withdrawals, Airtime and data top-up, Utility bill payments, Flight booking, Betting wallet funding

**Features:** macOS Compatibility

**In-app purchases:** none


### BorderlessPay.

[App page](https://appshunter.io/ios/app/borderlesspay/id6758105572)

This app facilitates seamless financial transactions for global visitors in Nigeria. It allows users to fund a local wallet, instantly convert funds to Naira, and spend using a secure NGN card, simplifying payments within the country.

**Highlights:** Connect global wallets to Nigerian economy, Fund local wallet, Instant Naira conversion, Secure NGN card spending, Bridge financial gap for visitors

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Jo free?

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

### Is BorderlessPay. free?

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

### Which has better reviews, Jo or BorderlessPay.?

Jo and BorderlessPay. are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do Jo or BorderlessPay. have ads?

Neither Jo nor BorderlessPay. shows ads.

### Which is updated more often, Jo or BorderlessPay.?

Jo ships an update every 4 days, and BorderlessPay. monthly. Most recently, Jo was updated on September 7, 2026 and BorderlessPay. on September 9, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*