# Moca-Pay

> Secure mobile card management with transaction alerts and unlimited cash-back rewards. (iPhone/iPad app by Moca Financial Inc.)

- Source: https://appshunter.io/ios/app/moca-pay/id1492674741 (this page in markdown: same URL + `.md`)
- Developer: [Moca Financial Inc](https://appshunter.io/developer/1492674740)
- Category: Finance
- Price: Free
- Rating: 4.20/5 from 15 App Store ratings · 5 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 95 MB
- Languages: English, Spanish
- Released: 2020-01-16
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/moca-pay/id1492674741/reviews.md

## What is Moca?

“Mocapay® is the secure, convenient way to take all the power of MOCA® with you wherever you go.

Mocapay gives you all the benefits of MOCA at your fingertips. From getting real-time transaction alerts to turning cards on and off to tagging receipts and viewing transactions, Mocapay lets you do it all on the go.

With Mocapay, you can:

* Create digital cards or order physical cards
* Receive and respond to real-time transaction alerts
* Turn cards on/off
* Create card controls
* Reload certain cards
* View your transactions
* Tag and store a receipt, and
Much, much more.

Mocapay also allows you to earn cash-back rewards with every qualifying purchase. Even better, Mocapay doesn’t cap the amount of rewards you can earn each month. But remember, PINless purchases generally earn more rewards. That’s because if you use your PIN to make a purchase, you earn a flat 5 MOCA Coins, but if you make a PINless purchase, you earn 1 MOCA Coin for every $1 you spend. Fortunately, you can easily avoid using a PIN on most transactions.

Obviously, online and signature transactions never require a PIN, but what about merchant terminals? No problem. When faced with the choice:

1.    Always select the “No PIN” option when you can or
2.    Just press “Enter” if a terminal asks for a PIN or
3.    Choose “Credit” or
4.    As a last resort you may need to choose “Cancel” to bypass the PIN.
One of these methods should allow you to bypass the PIN and maximize your rewards, so do a PINless MOCA Card purchase every chance you get wherever Visa® is accepted!

You can also add your MOCA Card to your favorite digital wallets, such as Apple Pay, Google Pay, or Samsung Pay. Then use your phone to pay wherever your favorite digital wallet is accepted.

No other card gives you the security, control, and unlimited rewards that the MOCA card does. With MOCA Mobile, you can take that security, control, and ability to earn rewards with you wherever you go. That’s convenient! That’s MOCA!”

## Key features

- Real-time transaction alerts
- Turn cards on/off
- Create card controls
- Tag and store receipts
- Earn unlimited cash-back rewards
- Add to digital wallets (Apple Pay, Google Pay, Samsung Pay)

## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/moca-pay/id1492674741/reviews.md

### 1/5 — Fix update

*2025-02-27*

I just updated the app and now it will not open! I cannot access my account

### 1/5 — Bad

*2023-04-08*

Very bad

### 5/5 — Great app!

*2023-01-16, version 3.2.14*

The best card so far. Self issue is fantastic!

### 1/5 — worst of all

*2022-08-04*

worst of all

### 5/5 — Good Moca Card app

*2022-04-02*

5 star

## Frequently asked questions about Moca

### How secure is Moca-Pay?

Moca-Pay is designed with security in mind, offering features like turning cards on and off, and creating card controls to protect your account. The app leverages the security of the MOCA® platform for all transactions.

### What are the benefits of using Moca-Pay for rewards?

Moca-Pay allows you to earn unlimited cash-back rewards on qualifying purchases. PINless purchases generally earn more rewards, with 1 MOCA Coin earned for every $1 spent, compared to a flat 5 MOCA Coins for PIN purchases.

### Can I add my Moca-Pay card to digital wallets?

Yes, you can add your MOCA Card to popular digital wallets such as Apple Pay, Google Pay, or Samsung Pay. This allows you to make payments using your phone wherever these digital wallets are accepted.

### How do I maximize rewards with Moca-Pay?

To maximize rewards, aim for PINless purchases whenever possible. You can typically bypass the PIN by selecting 'No PIN,' pressing 'Enter' if prompted for a PIN, choosing 'Credit,' or selecting 'Cancel' as a last resort on merchant terminals.

### What transaction information can I view in Moca-Pay?

Moca-Pay provides access to view all your transactions. You can also tag and store receipts directly within the app for better record-keeping and expense tracking.

### Does Moca-Pay have any subscription tiers?

Based on the provided information, Moca-Pay is available for free and does not mention any subscription tiers. The app offers its full range of features without requiring a paid subscription.

### How often is Moca-Pay updated?

The latest version of Moca-Pay is 5.1.6, and it was last updated on July 7, 2025. This indicates a relatively recent update, suggesting ongoing development and support for the application.

### What devices support Moca-Pay?

Moca-Pay is supported on iPhone, iPad, and iPod devices. The app is designed to provide a seamless experience across these Apple platforms.

## Version history (last 5 releases)

### 5.1.6 — 2025-07-07

- Added the Benefit Account option for Premier account users.
- The user can set the control template to the benefit account.
- Changed UI for account view.
- bug fixes.

### 5.1.2 — 2025-05-23

-bug fixes

### 5.0.9 — 2025-05-09

- bug fixes

### 5.0.8 — 2025-04-29

-Critical bug fixes.

### 5.0.5 — 2025-04-29

-bug fixes

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## More apps by Moca Financial Inc

- [MOCA Classic](https://appshunter.io/ios/app/moca-classic/id6449274831)
- [Cardagogo](https://appshunter.io/ios/app/cardagogo/id6450769089)

All apps by Moca Financial Inc: https://appshunter.io/developer/1492674740

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*