# CencoPay vs MODO

The clearest difference is rating: MODO at 4.8 against CencoPay's 4.3. MODO also leads on review sentiment (28% vs 0%) and ratings volume (1.3K vs 6). CencoPay's advantage is ads (none vs shown). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

MODO holds the better App Store score, 4.8 against 4.3. That said, the two scores are not equally well evidenced: MODO has 1.3K ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 0% of CencoPay's written reviews are positive against 28% of MODO's.

CencoPay ships an update monthly, MODO weekly. The most recent releases landed on September 15, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | CencoPay | MODO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (6 ratings)](https://appshunter.io/ios/app/cencopay/id1177993951/reviews) | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/modo/id1530606263/reviews)** |
| Number of ratings | 6 | **1.3K** |
| Positive reviews | 0.0% of reviews | **27.9% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Weekly** |
| Monetization | Free | Free |
| Size | 184 MB | 193 MB |
| Requires iOS | 16.6 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 9+ | 12+ |
| Developer | [Cencosud](https://appshunter.io/developer/839062312) | [Play Digital SA](https://appshunter.io/developer/1527103696) |

## What reviewers say

### CencoPay

[App page](https://appshunter.io/ios/app/cencopay/id1177993951)

Manage your credit card and digital account with this secure and practical app. Make payments, transfer funds, pay with QR codes, purchase insurance, and shop online with exclusive benefits.

**Highlights:** Pay and recharge services, Transfer money to any account, Pay with QR code, Contract insurance, Shop online and in-person with benefits

**Features:** Apple Wallet

**In-app purchases:** none


### MODO

[App page](https://appshunter.io/ios/app/modo/id1530606263)

Simplify your daily life by connecting bank accounts and cards. Pay with QR or contactless, discover instant benefits and discounts, and access various services like recharges and gift cards. Transfer money easily to contacts without needing their bank details.

**Highlights:** Connect bank accounts and cards, QR and contactless payments, Discover instant discounts and benefits, Recharge services (SUBE, mobile, etc.), Send money to contacts without CBU/alias, View all account balances

**In-app purchases:** none

**What reviewers like**

- 💰 Excellent discounts and promotions
- 💳 Centralized payment options
- ⚡ Fast and efficient

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🔒 Issues with identity verification
- 🔌 Compatibility problems with iOS updates
- 🔍 Unreliable search and promotion features
- 🤖 Poor customer support and unresolved issues

**Reported bugs**

- Login and registration failures
- Inability to transfer funds or make payments
- Glitches with QR code scanning

**Requested features**

- Add NFC payment support
- Improve notification settings
- Streamline account management and linking


## Frequently asked questions

### Is CencoPay free?

CencoPay is free to download, with no in-app purchases.

### Is MODO free?

MODO is free to download, with no in-app purchases.

### Which has better reviews, CencoPay or MODO?

MODO is rated higher. CencoPay averages 4.3 out of 5 from 6 ratings, while MODO averages 4.8 from 1.3K ratings.

### Do CencoPay or MODO have ads?

MODO shows ads; CencoPay does not.

### Which is updated more often, CencoPay or MODO?

CencoPay ships an update monthly, and MODO weekly. Most recently, CencoPay was updated on September 15, 2026 and MODO on September 17, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*