# mPay - mobile payments — Tickets, parking

> All-in-one mobile payment, ticketing, and loan app. (iPhone/iPad app by mPay S.A..)

- Source: https://appshunter.io/ios/app/mpay-mobile-payments/id969104510 (this page in markdown: same URL + `.md`)
- Developer: [mPay S.A.](https://appshunter.io/developer/969104509)
- Category: Finance
- Price: Free
- Rating: 3.50/5 from 25 App Store ratings · 139 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 183 MB
- Languages: American English, Polish, Ukrainian
- Released: 2015-02-27
- Data updated: 2026-07-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/mpay-mobile-payments/id969104510/reviews.md

## What is mPay?

Pay easier than ever before with mPay!

Join nearly 2 million users and manage all your finances in a single app.
- Visa mPay multicurrency Debit Card: Pay in Poland and abroad.
- Send & receive money with free instant money transfers to other users
- Public transport and train tickets: Buy fast, plan your trips, and skip the queues. Get tickets from top carriers in Poland, including PKP Intercity.
- Parking payments: Pay only for the time you park. Stop and resume parking anytime, anywhere.
- Car and travel insurance: Access dozens of offers in seconds.
- Need some extra cash? Get loans in the app—quick and hassle-free.

Flexible loan options tailored to your needs:
- Up to PLN 5,000* – first loan with RRSO 0%, repay in 61 days.
- Up to PLN 9,6000 – RRSO 76.88%, repay in up to 12 months.
- Up to PLN 25,000 – RRSO 53.92%, repay in up to 42 months.

Download the app now and enjoy freedom in your everyday payments!

The minimum and maximum loan period available to customers through mPay S.A. is 61 days. The minimum and maximum APR for the first loan is 0%, provided the loan is repaid within 61 days. The maximum APR for subsequent loans is 76.88%, provided the loan is repaid within 61 days. The loan provider is Soonly Finance sp. z o.o. Loan approval depends on the applicant’s creditworthiness assessment.
Representative example for the first loan provided through mPay S.A.:
Annual Percentage Rate (APR): 0% based on the following assumptions: total loan amount PLN 1,000; total amount to be repaid PLN 1,000; fixed annual interest rate: 0%; total loan cost: PLN 0; agreement duration: 61 days. Data as of March 5, 2026.

Representative example for subsequent loans provided through mPay S.A.:
Annual Percentage Rate (APR): 76.88% based on the following assumptions: total loan amount PLN 2,700; total amount to be repaid PLN 2,970; fixed annual interest rate: 0%; total loan cost: PLN 290 (fee: PLN 270, interest: PLN 0); agreement duration: 61 days. Data as of March 5, 2026.

The personal data administrator is Soonly Finance sp. z o.o., headquartered at ul. Żwirki i Wigury 16c, 02-092 Warsaw, Poland. Tax ID (NIP): 525-253-13-20, REGON: 146101268. Registered at the District Court for the Capital City of Warsaw in Warsaw, 14th Commercial Division of the National Court Register, KRS 0000418977. Entry number in the Register of Credit Intermediaries and Loan Institutions maintained by the Polish Financial Supervision Authority: RIP000020. Share capital: PLN 40,019,100.

All information regarding the principles of personal data processing, purposes of processing, legal grounds, categories of data recipients, data processing periods, whether providing data is mandatory or voluntary, the consequences of not providing data, automated decision-making, and your rights can be found in our Privacy Policy: https://www.soonly.pl/nasza-polityka-prywatnosci

## Key features

- Multicurrency debit card
- Instant money transfers
- Public transport and train tickets
- Parking payments
- Car and travel insurance
- In-app loans

## Recent user reviews (10 of 139)

All indexed reviews: https://appshunter.io/ios/app/mpay-mobile-payments/id969104510/reviews.md

### 1/5 — Scam! Paid for parking but still got fined

*2026-06-03, version 4.2.3*

Beware of the hidden penalty trap! Since the beginning of the year, mPay silently stopped supporting municipal parking in Gdańsk. However, the app still reads my geolocation as "Gdańsk" but only provides a list of private WEIP parking zones without a single warning that city parking is no longer serviced there. Because of this misleading UI, I accidentally paid the wrong operator and received a heavy parking fine from the city.
What is absolutely unacceptable is that mPay sent ZERO notifications (no email, no push) about dropping the municipal zones. This directly violates section 13.3 of their own Terms of Service (Regulamin), which explicitly states they will keep users informed about payment conditions and changes via the app or email. Customer support was completely useless, refused to admit their UI is a trap, and just told me to pay the fine. This is a deliberate scam to confuse drivers. I strongly recommend avoiding this app!

### 2/5 — Parking feature not working

*2026-04-20, version 4.2.3*

Not recommend this app. Parking is not possible for big cities like Wroclaw, Poznan. The rest of the app usable, but features should be revised

### 1/5 — If you have a US phone  , you can’t use this app

*2026-02-09*

If you have a US phone #, you can’t use this app

### 1/5 — Hidden charges

*2026-01-08, version 4.2.0*

The service charges monthly fee for… storing your card! Can you believe that? 😄

### 1/5 — Takes Your Money Even Though Service Doesn’t Work

*2025-12-22, version 4.2.0*

Misleading and frustrating experience. The app displayed parking options for Warsaw and allowed me to add several hundred zlotys to my account. Only after I loaded the money did it inform me that their contract with the city had been terminated and the service was unavailable. I’m now stuck with money in an account I can’t use. They should have disabled deposits or shown a clear warning before accepting payment for a service they can no longer provide.

### 1/5 — Dont buy it

*2025-10-25, version 4.1.9*

Waste of time and money, app doesnt work when you really need it, and it charge you money just for using. Its better to use machine near the bus stop, really.

### 1/5 — Rubbish app

*2025-10-15, version 4.1.8*

Parking is not supported on some city and you cannot withdraw the money if you are foreign

### 1/5 — Not for foreigners!

*2025-07-17, version 4.1.5*

Stupid app allow only registration via SMS and does not sent verification codes to non polish numbers.

### 1/5 — LOST MONEY BECAUSE OF THIS APP.

*2025-06-03, version 4.1.2*

Second time i am loosing money because this app cannot function as it should, when i am paying for the parking it crashes or cannot complete transaction, loading screen takes forever, why should i pay again 150 zl for the parking fine? because im using this app but i am enough. thank you

### 1/5 — Not working

*2025-05-31, version 4.1.2*

Have working in2024 but now in 2025 compleet not working car 44

## Frequently asked questions about mPay

### What can I do with mPay?

mPay allows you to manage your finances easily. You can pay for public transport and train tickets, handle parking fees, purchase car and travel insurance, and even apply for loans. It also facilitates instant money transfers between users.

### How does the mPay debit card work?

The Visa mPay multicurrency Debit Card enables you to make payments conveniently both in Poland and abroad. It's integrated within the app, allowing for seamless transactions.

### What are the loan options available?

mPay offers flexible loan options tailored to your needs. You can get loans up to PLN 3,000 with 0% APR for the first loan, repayable in 61 days. Subsequent loans can be up to PLN 25,000 with varying APRs and repayment periods.

### Is mPay free to use?

The app itself is free to download and use for managing your payments, tickets, and insurance. While the app is free, there are associated costs for loans and potentially for some transactions or services, as indicated by the presence of in-app purchases and ads.

### What is the primary use case for mPay?

The primary use case for mPay is to simplify everyday financial transactions and services. This includes making payments for public transport, parking, and insurance, as well as facilitating quick money transfers and providing access to loan services.

## Version history (last 5 releases)

### 5.0.2 — 2026-07-29

- changes designed to make it easier to activate the Premium Member service

### 5.0.1 — 2026-07-19

- changes resulting from a review and reorganization of available features
- addition of the Premium Member service

### 5.0.0 — 2026-06-07

- Brand-new home screen in line with the current brand identity
- Key information in one place
- Faster access to frequently used features
- Tutorial highlighting the most important changes

### 4.2.3 — 2026-03-12

- improvements to the handling of disabled zones in the parking module and minor fixes and optimizations

### 4.2.2 — 2026-03-03

- common rail connection search engine: presentation of connections from various operators with current prices and travel times in one place

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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 2026-07-30.*