Best Koko Pay Apps

248+ iOS apps curated and reviewed

4.5 avg rating

20 free apps

Updated September 2026

If you already know Kokopay, this is the deeper bench. 248+ koko pay apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of September 2026.

Compare top Koko Pay Apps (September 2026)

#	App	Price	Rating	Ads	In-App Purchases	Updated
1	Kokopay	Free	4.0★ (29)	No	No	Sep 2026
2	Mintpay \| Pay Better.	Free	4.6★ (163)	No	No	Sep 2026
3	WhatsApp Messenger	Free	4.7★ (19M)	Yes	Yes	Sep 2026
4	Kokosend	Free	4.3★ (38)	No	No	May 2026
5	Be Wellness	Free	—	No	No	May 2026
6	Zip - Buy Now, Pay Later	Free	4.9★ (868K)	No	No	Sep 2026
7	rapid! Pay	Free	4.5★ (193K)	No	No	Sep 2026
8	Mistine Shop	Free	—	No	No	Jul 2026

Top Picks for Koko Pay

#1

Kokopay by KOKOSEND LIMITED

Editor's Choice

4.0(29 ratings)

Free

Kokopay screenshot 1

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This app offers a fast and secure platform for managing and paying bills across Africa. It consolidates various payment needs into a single, user-friendly interface.

#2

Mintpay | Pay Better. by Mintpay (Private) Limited

Unlimited Cashback I Pay in 3

Strong Contender

🛍️ Shopping

4.6(163 ratings)

Free

Mintpay | Pay Better. screenshot 1

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Mintpay | Pay Better. screenshot 6

Shop smarter and earn rewards with this payment app. Choose to pay now for instant cashback in loyalty coins or pay later in three interest-free installments. Redeem your earned coins across a wide network of partner brands.

#3

WhatsApp Messenger by WhatsApp Inc.

Simple. Reliable. Private.

Worth Considering

🌐 Social Networking

4.7😊(19M ratings)

FreeAdsIn-App Purchases

#2in Social Networking

WhatsApp Messenger screenshot 1

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Connect with friends and family globally through private messaging and high-quality calls. Share moments, documents, and stay in touch across devices, even on slow connections. Your conversations are secured with end-to-end encryption.

What We Love

💬 Great communication tool
🌍 Connects people globally
🔒 Secure and private messaging
📱 Versatile features (calls, video, groups)
🆓 Free to use

Room to Improve

🐛 Bugs and glitches (freezing, crashing, notification issues)
🔒 Privacy concerns with data sharing
🙈 Lack of customization and control (status, groups)
📤 Backup and restore issues
🚫 Arbitrary account bans

More Koko Pay apps to explore

by KOKOSEND LIMITED

This application facilitates rapid money transfers throughout Africa. It is designed for quick and efficient cross-border financial transactions within the continent.

Quick fund transfersCross-Africa transactionsEfficient financial services

by Centros de Bienestar FW, S.A. de C.V.

💪 Health & Fitness

Zip - Buy Now, Pay Later

Zip - Buy Now, Pay Later

Zip - Buy Now, Pay Later

Shop Now & Pay Over Time

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards

free with in-app purchases

rapid! Access PayCard OnDemand

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts

by BETTER WAY (THAILAND) COMPANY LIMITED

🛍️ Shopping

Papaya: Securely Pay Any Bill

Papaya: Securely Pay Any Bill

Papaya: Securely Pay Any Bill

Fast & Secure Bill Payments

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing

BuzzBee For Influencers

BuzzBee For Influencers

BuzzBee For Influencers

Freebies around your city

Discover freebies and discounts from local businesses. Receive invitations, review offers, and share your experiences on social media after visiting the establishment. A platform connecting influencers with brands for product and service reviews.

Receive business invitationsExperience services/products for free or discountReview campaign briefs

Temu: Shop Like a Billionaire

Temu: Shop Like a Billionaire

Temu: Shop Like a Billionaire

Shop incredible deals on Temu!

Discover a vast selection of products across fashion, home decor, beauty, and more. Enjoy daily deals, fast and secure checkout, and free shipping and returns. Shop for a wide variety of items at competitive prices.

Wide product selectionDaily dealsFast and secure checkout

🛍️ Shopping

free with in-app purchases

ZayZoon - Wages On-Demand

ZayZoon - Wages On-Demand

ZayZoon - Wages On-Demand

Benefit for Eligible Employees

Access your earned wages instantly, any day of the week, to avoid late fees and payday loans. This app offers financial wellness tools like overdraft prediction and educational resources. It also provides options for increased spending power on gift cards for essentials.

Instant wage accessAvoid payday loansOverdraft prediction

free with in-app purchases

Positive Pay SPCBL

Positive Pay SPCBL

Positive Pay SPCBL

Positive Pay SPCBL

This app allows bank customers to upload vital cheque details for transactions of Rs. 50,000 and above, adhering to RBI guidelines. It facilitates the secure submission of information like cheque number, date, amount, and beneficiary name.

Upload cheque vital dataCheque number, date, amount entryBeneficiary name input

On-demand pay and beyond

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

Early access to wagesGovernment payment early accessSpending and saving tools

Afterpay: Pay over time

Afterpay: Pay over time

Afterpay: Pay over time

Shop Now. Split your payments.

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands

🛍️ Shopping

free with in-app purchases

Four | Buy Now, Pay Later

Four | Buy Now, Pay Later

Four | Buy Now, Pay Later

Flexible Shopping & Payments

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app

🛍️ Shopping

Rain Instant Pay

Rain Instant Pay

Rain Instant Pay

Unlock your employer benefits!

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education

Billp - Pay Bills, Get Paid

Billp - Pay Bills, Get Paid

Billp - Pay Bills, Get Paid

Earn Returns on every Bill

🛍️ Shopping

The mobile Payment solution

FAQ about Koko Pay

What are the best koko pay apps for iPhone?

Kokopay tops our koko pay apps ranking as of September 2026, with a 4.0-star average from 29 App Store ratings, and it's free to download.

Are there free koko pay apps for iPhone?

Yes — 20 of the top koko pay apps we rank are free to download, including Kokopay and Mintpay | Pay Better..

Does Kokopay have ads or in-app purchases?

Kokopay has no ads and has no in-app purchases, according to its App Store listing as of September 2026.

How many koko pay apps are on the App Store?

We track 248+ koko pay apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.

What does Kokopay do?

Kokopay is designed to be the fastest and safest all-in-one bill payment application specifically for users within Africa. It aims to simplify the process of paying various bills through a single platform.

What are the key features of Kokopay?

The app's primary features include fast bill payment processing and secure transaction capabilities. It functions as an all-in-one platform, consolidating multiple payment needs for users across Africa.