Side by side

Send App vs Toss

Both stand on money transfer apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

Send App

Paid AndroidAPIiPhone+1

Send App provides international transfers with several payout and payment methods, alongside a physical Naira Travel Card. Check the listed regional fees and daily exchange rates when estimating what a recipient will receive.

Visit Send App

Toss

Free plan AndroidiPhone

Toss brings everyday transfers, account views, spending analysis and broader financial products into one app. Its free pricing, instant transfers and fraud monitoring make it a broad option for mobile finance management.

Visit Toss

The facts

	Send App	Toss
Free plan	Not published	Yes
Open source	Not published	Not published
Runs on	Android, API, iPhone, Web	Android, iPhone
Lowest paid plan	Send App Travel Card: $5, paid once	Not published
Plans published	5	None
Maker	Send App	Toss
Website	send.flutterwave.com	toss.im
On money transfer apps	#67 of 81	#63 of 81

Send App: what it does well

Transfers are described as instant after payment confirmation
Recipients can receive bank, cash-pickup, or Mobile Money payouts
Supports debit cards, credit cards, bank transfer, and Apple Pay
A converter shows the recipient amount during a transaction
Transfer fees are listed by region

What to know first

Identity verification is required before sending
Google Pay is available only on the web
Travel Card delivery is currently limited to Lagos and Abuja
Travel Card delivery cost varies by location

Toss: what it does well

Free plan for Android and iOS
Instant bank and contact transfers
Automatic spending and income logging
Loan comparisons from around 80 institutions
Transfer warnings and fraud monitoring

What to know first

Facepay requires a Toss terminal
Some services depend on connected institutions
Financial features are centered on a mobile app

Alternatives to Send App Alternatives to Toss The whole list