# Moreta Pay — Easy payments for travelers

> QR payment app for travelers in Southeast Asia with transparent fees. (iPhone/iPad app by Moreta Global Inc..)

- Source: https://appshunter.io/ios/app/moreta-pay/id6590609636 (this page in markdown: same URL + `.md`)
- Developer: [Moreta Global Inc.](https://appshunter.io/developer/1760082881)
- Category: Finance, Travel
- Price: Free
- Rating: 4.30/5 from 563 App Store ratings · 266 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 96 MB
- Languages: American English, Dutch, French (France), German (Germany), Italian, Japanese, European Portuguese, European Spanish
- Released: 2024-07-31
- Data updated: 2026-09-09
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/moreta-pay/id6590609636/reviews.md

## What is Moreta Pay?

Unlock QR payments in Vietnam, Thailand, China, the Philippines, Malaysia, Cambodia, Laos, South Korea, Mongolia, Brazil, Argentina, Peru, Colombia, and Bolivia with transparent fees.

Moreta lets international travelers, nomads, and expats pay local merchants across Asia and Latin America using QR codes, right from your phone, in your own currency.

No cash exchanges. No ATM runs. No hidden foreign transaction fees. Just fast, reliable payments wherever you go.

How it works:
1. Connect your USD bank account or top-up with European SEPA, UK Faster Payments, Canadian e-Transfer or an international credit/debit card.
2. Top-up your wallet
3. Scan any supported QR code
4. Pay instantly

QR payments in these countries are quick, widely accepted, and cheaper than credit cards or handling cash. With Moreta, they’re accessible to everyone with zero hidden fees or surprises.

Your security comes first. We safeguard your data and funds with banking-grade infrastructure and trusted global partners.

Travel light. Pay smart. Across Asia and Latin America, only with Moreta.

## Key features

- QR payments in Southeast Asia
- Pay in your own currency
- No cash exchanges or ATM runs
- Transparent and no hidden fees
- Connect bank accounts or top-up
- Secure transactions

## What do users think of Moreta Pay?

Overall sentiment: negative

**Pros**

- 🚀 Easy to use
- 🚀 Convenient for travelers
- 🚀 Works well in Vietnam
- 🚀 Seamless QR payments
- 🚀 Versatile and easy to load funds

**Cons**

- 🐛 Verification issues
- 🐛 Unreliable connectivity
- 🐛 Limited support for personal QR codes
- 💰 High fees and charges
- ⚠️ Lack of customer support

**Commonly reported bugs**

- Frequent app crashes
- Account verification failures
- Inability to add funds or withdraw money

**Most requested features**

- Support for personal QR codes
- Ability to withdraw funds easily
- Expansion to more countries
- Integration with popular payment methods

## Recent user reviews (10 of 266)

All indexed reviews: https://appshunter.io/ios/app/moreta-pay/id6590609636/reviews.md

### 1/5 — Stop Working, Money Stucked

*2026-08-29, version 1.7.28*

Worked fine for 10 transactions, then 'Transfer Failed' with the money in the account and correct information. DO NOT recommend. Also, customer support take days.

### 1/5 — Full of restrictions

*2026-08-29, version 1.7.28*

Doesn’t accept QR codes from personal vendors which most of them are in Thailand

### 1/5 — Won’t let me spend my money.

*2026-08-29, version 1.7.28*

Grab charges Americans more than they charge Filipinos, so I am trying to put money on my friend’s bank account and it’s been working and now it suddenly won’t let me send anymore of my funds. It’s my money give me access to it!!

### 5/5 — Excellent for payments in Vietnam

*2026-08-29, version 1.7.28*

Came in super handy, have already used it several times with vendors and even needed to pay by QR code for my airport car transfer so was very glad I set it up and had it ready when I arrived. Super quick to add cash via Apple Pay.

### 1/5 — Is this a scam?  Thailand QR codes not supported

*2026-08-28*

I downloaded this app specifically because it was advertised as being able to scan Thai QR codes. Only after completing the ID verification did I find out that it doesn’t actually work for Thailand. This should be clearly stated before asking users to go through the verification process.

### 5/5 — Super convenient and easy to use

*2026-08-27*

Used this app in Shenzhen and it was incredibly helpful. Signing up and adding funds was straightforward and I was able to make QR code payments for transactions including restaurants, shops, and transportation - highly recommend!

### 5/5 — Toll für Ausländer in Vietnam

*2026-08-24*

Endlich eine Möglichkeit gefunden, einfach und zügig zu bezahlen. App annähernd überall einsetzbar! Die geringen Gebühren gehören zu den Betriebskosten ;-) Weiterer großer Vorteil: kein vietnamesisches Bankkonto nötig! Klare Empfehlung!

### 2/5 — Useful, when it works.

*2026-08-22*

This app has been helpful as an Australian travelling in Vietnam, but also the cause of all the payment pain points during the trip. From a problem with one of their partners with no communication in app or otherwise until resolution, constant failed payments despite 5G network coverage, or general app instability - it's just been a bit of a dud user experience. When it was working thought, it did its job well. Just wish it was more reliable.

### 1/5 — Sucks!

*2026-08-21, version 1.7.28*

They removed the VNPay….

### 1/5 — Hit or miss- lack of reliability

*2026-08-18*

Paying with this app in Vietnam is really hit or miss. Sometimes payments simply won’t go through, without any warning or notification from Moreta. When you’re paying a 2.5% fee on every deposit, you’d think they could at least send a message letting customers know when the service is down

## Frequently asked questions about Moreta Pay

### What does Moreta Pay do?

Moreta Pay allows international travelers to make QR payments in countries like Thailand, Vietnam, the Philippines, Laos, and Mongolia. It eliminates the need for cash exchanges or ATM withdrawals by letting you pay local merchants directly from your phone in your own currency.

### How do I use Moreta Pay?

First, connect your USD bank account or top-up using European SEPA, UK Faster Payments, or an international Visa/Mastercard. Then, top up your wallet, scan any supported QR code at a merchant, and pay instantly. It's designed to be a simple, three-step process after initial setup.

### Is Moreta Pay free to use?

The application itself is free to download and use. The monetization model is based on the transparent fees associated with transactions, which are stated to be cheaper than credit cards or handling cash, with no hidden foreign transaction fees.

### Which countries does Moreta Pay support?

Moreta Pay currently supports QR payments in Thailand, Vietnam, the Philippines, Laos, and Mongolia. These countries are chosen for their widespread QR code acceptance and the convenience it offers to travelers.

### How secure is Moreta Pay?

Security is a top priority. The app safeguards your data and funds using banking-grade infrastructure and trusted global partners. This ensures that your financial information and transactions are protected during use.

## Version history (last 5 releases)

### 1.7.31 — 2026-09-07

Send USDT or USDC directly from your Moreta balance to any Solana wallet.

### 1.7.30 — 2026-08-30

We've improved the onboarding flow for an easier sign up experience.

### 1.7.28 — 2026-08-19

You can now pay in South Korea using SeoulPay QR codes.

### 1.7.27 — 2026-08-05

You can now top up your wallet with Canadian Interac e-Transfer.

### 1.7.26 — 2026-07-28

We're back in Cambodia. Scan and pay with KHQR is now live.

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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 2026-09-09.*