# Moreta Pay — user reviews > 259 indexed App Store user reviews of Moreta Pay by Moreta Global Inc., rated 4.30/5 from 511 ratings. - Source: https://appshunter.io/ios/app/moreta-pay/id6590609636/reviews - App overview in markdown: https://appshunter.io/ios/app/moreta-pay/id6590609636.md - Rating breakdown: 5★ 397 · 4★ 20 · 3★ 8 · 2★ 8 · 1★ 78 ## 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 ## Newest reviews (11 of 259) ### 2/5 — Useful, when it works. *2026-08-22, version 1.7.28* 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. ### 4/5 — Conversion rates *2026-08-14, version 1.7.27* Conversion rates are still high ### 3/5 — Great product until it doesn’t work as it did *2026-08-11, version 1.7.27* I have just returned to Vietnam and resumed my usual life, relying on Moreta QR for absolutely everything; there have been two vendors, so far, whose QR has not worked (but definitely did three weeks ago) so I can only assume that there has been a change with some bank somewhere - I hope business as usual will prevail … ### 3/5 — I liked it *2026-08-10, version 1.7.27* But they introduced tx fee 🤮 ### 3/5 — Works until they update! *2026-08-07, version 1.7.27* Super useful, super reliable, have used in a couple of countries and their support is surprisingly fast. But I’m dropping 2 stars because every time the app updates it logs you out and doesn’t remember the account you logged in with. Of course I’m standing at the side of the road having already ordered noodles and I need to pay, Moreta had silently updated, I try to use it and … “Hello new user”, what a joke, when I open it its because I need to pay *now*, I can’t go back home and use password manager, and if I didn’t have backup a QR pay this would have been a tricky situation! Keeping me logged in, with my biometric auth, even across updates is incredibly important UX. Will be looking for more alternatives - yes the onboarding is nice, but im a customer already - the last thing I need is the fancy new onboarding screen ### 2/5 — You can’t pay street vendors *2026-08-01, version 1.7.26* It’s so hard to find someone in Thailand that actually has a business account. Majority of the locals only have a personal prompt pay. ### 2/5 — Frustrating *2026-07-07, version 1.7.22* Annoying that it’s all based around USD when I want to transfer a specific amount of VND it only lets a transfer done in USD so then I have an odd amount of VND which is unusable ### 1/5 — Bad Customer service *2026-07-02, version 1.7.22* I have transferred my money, but I couldn’t use it in the app. Contacted Customer Service for 2 months and got nothing back. I couldn’t withdraw my money either. ### 1/5 — Incompetent customer service *2026-07-02* Seit über zwei Monaten versuche ich, meine Verifizierung abzuschließen. Ich habe dem Kundenservice viermal Videos geschickt, die das Problem eindeutig zeigen, und mehrfach um eine manuelle Prüfung gebeten. Statt einer Lösung erhalte ich immer wieder denselben Link mit der Aufforderung, es erneut zu versuchen. Der Kundenservice wirkt leider völlig inkompetent und geht nicht auf das eigentliche Problem ein. ### 1/5 — Beware *2026-06-30, version 1.7.22* I deposited funds from my bank, the transfer did not go through, so I tried again , this time the transfer did go through, but my bank account was debited twice, I immediately contacted my bank who told me it was to late to stop first transfer, when I contacted Moreta I was told I would be contacted by relevant department to investigate, 5 days later still waiting to hear from them. They have £600 of my money and I don’t know if I will ever get it back ### 1/5 — Stopped working *2026-06-28, version 1.7.22* No response to support requests ## Most critical reviews (10 lowest-rated) ### 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, version 1.7.27* 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 ### 1/5 — Can not withdraw *2026-08-12, version 1.7.27* I have a balance in my account, but when I try to withdraw my money back to my bank account it won’t allow it. ### 1/5 — Be very wary *2026-07-22, version 1.7.25* I am physically in Brazil right now trying to use this app to pay via PIX. Just when I need it most, while I am physically in a foreign country, the app fails and then they lock my account. To all Americans, I strongly discourage using this service!!!!!!!!!!!! ### 1/5 — Frustrated Tourist *2026-07-20, version 1.7.25* This is not accepted as payment in Thailand as they stated. I tried using this several times even at large businesses and it still was not accepted. Now I am trying to figure out how to get my money back that was loaded up. Do not use!!! If I could leave 0 reviews I would. Just withdraw cash from atm at one time or bring Your countries currency and exchange it at an exchange company. When you arrive in Phuket there are hundreds of exchange booths at the airport. ### 1/5 — Poor Results *2026-07-18, version 1.7.25* The app simply does not work as advertised in Thailand. Its completely unusable ### 1/5 — Beyond useless.Bad exchange rate and high fees *2026-07-16, version 1.7.25* Update: I put money on here in spite of my reservations. Almost every time I try to use it, it ends up being a personal QR and therefore useless. Even places that look like they should have a business QR code are actually personal. Until this is enabled for personal QR there is no point to the app. You will need cash. The exchange rate is significantly lower than the current mid market rate so you lose money on that. Then you have to pay 1.5% for each transaction!?! That will add up fast. Better to get a bank card with no foreign transaction fees and withdraw enough cash so you rarely have to go to an atm and pay more fees. ### 1/5 — Slow Verication even with secure Plaid *2026-07-15, version 1.7.25* So, they verify with plaid, which is secure. but they still want a bank statement on top of that, has been SEVERAL days3+ and still not verified. Do they stall to make fees off credit card fees? ### 1/5 — A failed payment *2026-07-09, version 1.7.23* I paid in Mongolia but vendor kept telling me the payment didn’t go through. In the end I paid w card. Contacted support but no response. ### 1/5 — There’s no support *2026-07-07, version 1.7.22* If they restrict your access to your own account there’s no support I’ve been waiting days now for support to connect with me over a issue and still nothing I live abroad and use Moreta pay for daily living and for paying rent etc and I couldn’t do anything for 2 days I will be looking for a alternative app ## Most praised reviews (10 highest-rated) ### 5/5 — Vietnam *2026-08-10, version 1.7.27* Working good in Vietnam ### 5/5 — Honest review *2026-08-04, version 1.7.26* This app help me perfectly to deal with daily fainacial transaction during my travel in Vietnam. ### 5/5 — Just can’t live without it *2026-08-03, version 1.7.26* I can’t live without the app. I use it multiple times a day every day all the time. ### 5/5 — So convenient *2026-07-24, version 1.7.25* It’s truly been so convenient and no hassles and accepted at 99% of the places I’ve done business with. I’m grateful for this app. ### 5/5 — satisfait *2026-07-21* Pratique et efficace ### 5/5 — The best app for travelling *2026-07-12, version 1.7.24* I’m travelling around Vietnam and use it every day. It's by far the easiest and most convenient way to pay at local shops ### 5/5 — Too much fees *2026-07-12* You’ll pay fees by filling your Moreta account AND paying. I had to do 3 transfers to have the correct amount…Don’t use the app ### 5/5 — Great! *2026-07-01, version 1.7.22* Excellent for what I need to do like paying bills, transportation and food. Nice job dev team ### 5/5 — Simple et Efficace *2026-06-30* Pour une première utilisation, très pratique pour un voyage au Vietnam ### 5/5 — Kirk *2026-06-26, version 1.7.22* Using it in the Philippines. So far it’s working great. --- *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 2026-08-24.*