Apay
Apay: A free African wallet app spanning transfers, bills, merchant payments and virtual cards. Ranked #59 of 89 in Mobile Payment Apps by our editors (3.0/10); pricing: Free plan; best for african users needing broad free wallet services.
At a glance
- Editor score3.0 / 10
- PricingFree plan
- Best forAfrican users needing broad free wallet services
- Free planYes
- Paid fromFree
- In-store paymentsYes
- Facts checked25 Oct 2026
Where it wins
- Supports SSP, KES, UGX and USD wallets with currency exchange
- Combines P2P, cross-border transfers, bill pay and merchant acceptance
- Offers web, iOS and Android access plus virtual cards
Where it doesn't
- Cross-border transfers are limited to supported African corridors
- Transaction-based fees apply despite free wallet maintenance
- Google Play rollout is currently described as beta
Our verdict on Apay
Apay is a mobile and web digital payments platform operated by Apay Financial Services Ltd. It is designed for individuals, merchants and organizations that need wallet services across South Sudan and regional corridors involving Kenya, Uganda and USD. The service combines multi-currency balances, peer transfers, cross-border payments, bill settlement, merchant acceptance and virtual cards in one cloud and mobile offering. Its platform coverage includes web, iOS and Android, making it suitable for people and businesses that move between browser and mobile use.
The pricing model centers on free wallet maintenance rather than subscription plans. The published fee schedule uses transaction-based fees, while the wallet itself is free to maintain. Core functions include wallets for SSP, KES, UGX and USD, quoted currency exchange with spreads, peer-to-peer transfers, supported-corridor cross-border transfers, and utility, airtime and data payments. Merchants can accept payments through QR, POS and payment links, while agents can provide cash withdrawals. Virtual cards support online spending, and transaction history with downloadable statements adds record-keeping for account activity.
Apay’s ecosystem fit is broad for a payment app: it supports in-store payments, QR payments, bill pay, international transfers and both mobile and web access. Email, phone and 24/7 support are listed as support channels. The main qualification is geographic and operational scope: cross-border activity depends on supported African corridors, and the service is described as rolling out in beta on Google Play. Choose Apay if you want a free-maintenance wallet with several payment methods and multi-currency support across supported markets. Consider another option if your needs depend on corridors outside its stated coverage or on a fully mature mobile rollout.
Your product? Our editors can test Apay in depth and publish a review, labelled as paid · from $149/mo →
Apay pricing
Apay fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| In-store payments | Yes |
| Peer transfers | Yes |
| Bill payment | Yes |
| QR payments | Yes |
| International transfers | Yes |
| Mobile platforms | Both |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Support | Email, Phone · 24/7 |
| Built for | Solo, Small business, Mid-market, Enterprise (editorial estimate) |
| Pricing | Free plan (source) |
| Website | appay.ltd |
| Facts checked | 25 Oct 2026 |
Alternatives to Apay
- PhonePeA free iOS and Android app for everyday UPI transfers, QR payments and bills.9.4
- Apple PayA no-cost payment service for Apple devices, with checkout availability depending on merchant and region.9.2
- Weixin PayA free mobile wallet for QR, merchant and supported cross-border payments.9.1
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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