Comparison

Richart Life vs icash Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Richart Life

This app integrates various financial and lifestyle services, including credit card management, loyalty point redemption, and mobile payments. It aims to provide a comprehensive and convenient platform for managing daily financial activities and accessing exclusive offers.

Highlights
  • Integrated lifestyle services
  • Mobile payment support
  • Loyalty point redemption
  • Credit card management
  • Real-time transaction notifications
  • Coupon access
Features
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我們持續優化各項服務的使用介面,除了既有的信用卡相關服務,新增生活圈服務串聯、台新Point點數查兌、台新PAY行動支付等服務,將生活再升級!/立刻下載台新Richart Life,體驗台新銀行生活金融生態圈。 Richart Life特色說明: 1.生活金融無界限 串聯生活圈中的各項優惠、點數查兌、行動支付等多項功能,一手掌握個人日常服務,提供全方位的便利生活! 2.支援台新PAY支付功能 台新信用卡/簽帳金融卡就能一鍵輕鬆綁定,購物不再需要掏出錢包,使用手機輕鬆結帳! 3.點數隨手兌 台新Point/台新Point(信用卡)想換就換,屬於你的好康,就是不讓你錯過。 4.信用卡相關服務 信用卡查帳超方便,另可進行繳費/分期理財等服務。 5.消費通知最即時 刷卡不限金額筆筆通知,確保交易安全。 6.優惠券好康 刷卡優惠隨時查,領券即享優惠,好康不錯過。 如您於本行尚未留存Email或留存Email格式有誤,請撥打台新客服更新02)2655-3355。 為保障您的使用安全,建議您應於行動裝置上安裝防毒軟體,以偵測行動裝置是否有疑似遭破解或重大漏洞未修復等情形

About

icash Pay

This electronic payment app offers a streamlined experience for users, integrating various payment methods like e-wallets, bank accounts, and credit cards. It facilitates easy top-ups, payments, and transfers, while also enabling users to earn loyalty points at partner merchants.

Highlights
  • Multiple payment options (e-wallet, bank account, credit card)
  • Cash and invoice top-ups
  • Automatic top-up linking
  • QR code payments and transfers
  • Online bill payments
  • Loyalty point accumulation
  • Integrated icash 2.0 features
Features
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為豐富icash Pay 電子支付服務,進一步提升用戶的使用體驗,icash Pay App 以全新的樣貌亮眼登場,亦提供更多元的支付選擇(icash Pay電支帳戶、銀行帳戶、信用卡)及更多服務(icash 2.0/線上繳費/中獎發票儲值/跨行轉帳),操作上力求以更貼近消費者的角度設計功能,給icash Pay用戶煥然一新的支付體驗。 【icash Pay介紹】 icash Pay 為愛金卡公司經營之電子支付APP,儲值、提領、支付、轉帳服務一次搞定! icash Pay 可於全台7-ELEVEN及合作通路消費輕鬆累積OPENPOINT點數。 【合作通路】 7-ELEVEN、夢時代購物中心、統一時代百貨、BEING spa、BEING sport、 BEING fit、聖德科斯、COLD STONE、Semeur 聖娜、21風味館/21 PLUS、Mister Donut、星巴克、康是美、統一精工速邁樂加油站、博客來、台灣大車隊、繳付兩大停車場停車費用(嘟嘟房/詮營,可使用場站依現場公告為主) 【功能介紹】 1.儲值:icash Pay 可透過現金或中獎發票儲值,也可連結合作銀行帳戶進行自動加值或差額儲值等服務 2.支付:可選擇使用icash Pay電支帳戶、銀行帳戶、信用卡方式,支付時出示付款碼或是掃碼支付輕鬆又便利! 3.轉帳:icash Pay 提供用戶自行與跨行轉帳,掃描QR CODE轉帳,快速又方便歐。 4.icash Pay 提供乘車碼功能、線上繳費功能 5.icash Pay提供連結icash 2.0自動加值服務,方便使用者在統一超商使用icash 2.0交易餘額不足時可透由icash Pay加值至卡片。 6.icash Pay 提供線上繳費服務。 7.將原icash 2.0 APP功能整合進icash Pay。 【支援規格】 手機支援規格如下: - iOS系統13.0以上的版本 請於上述建議使用環境下升級或安裝應用程式,否則可能導致APP無法使用 提醒您啟動行動裝置應用程式時,如偵測行動裝置疑似遭破解,使用者應注意風險,安裝或首次啟動應用程式時,應於行動裝置上安裝防毒軟體,謝謝您。 icash Pay客服中心: 手機請撥:02-2657-6388 / 市話請撥:0800-233-888 透過電子郵件信箱來信:service@mail.icash.com.tw 【平台說明】 icash Pay 為具電子支付執照之支付平台,主要提供儲值、支付、轉帳等服務。App 中若出現合作銀行相關資訊或連結,係為提供用戶查詢與轉導至該合作銀行官方網站,所有金融商品及相關服務由該銀行獨立辦理,icash Pay 並不參與授信審核或資金處理流程。

Screenshots

Richart Life4 screens
icash Pay4 screens

Verdict

The call

The clearest difference is rating: icash Pay at 3.4 against Richart Life's 1.9. icash Pay also leads on monetization model (free vs free with in-app purchases) and review sentiment (29% vs 17%). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

icash Pay holds the better App Store score, 3.4 against 1.9. Both are backed by a comparable volume of ratings — 21 and 24 respectively. Written reviews point the same way: 17% of Richart Life's written reviews are positive against 29% of icash Pay's.

UpkeepUpdate frequency

Richart Life ships an update every 4 weeks, icash Pay monthly. The most recent releases landed on October 29, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
Richart Life versus icash Pay: the parameters behind the verdict, then further details
ParameterRichart Lifeicash Pay
PriceFreeFree
Rating1.9 (21 ratings)3.4 (24 ratings) — better
Positive reviews17.1% of reviews28.6% of reviews — better
Number of ratings2124 — better
Update frequencyEvery 4 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.013.0
Further details — not scored
Size250 MB183 MB
Age rating4+4+
DeveloperTaishin International Bank愛金卡股份有限公司 icash Corporation Co.

Customer experience

Richart Life

All ratings21 ratings
Positive23.8%
Neutral0.0%
Negative76.2%
Written reviews82 reviews
Positive17.1%
Neutral11.0%
Negative72.0%

icash Pay

All ratings24 ratings
Positive58.3%
Neutral4.2%
Negative37.5%
Written reviews7 reviews
Positive28.6%
Neutral14.3%
Negative57.1%

In-app purchases

None

Richart Life

No in-app purchases

None

icash Pay

No in-app purchases

Questions

Is Richart Life free?
Richart Life is free to download, with no in-app purchases.
Is icash Pay free?
icash Pay is free to download, with no in-app purchases.
Which has better reviews, Richart Life or icash Pay?
icash Pay is rated higher. Richart Life averages 1.9 out of 5 from 21 ratings, while icash Pay averages 3.4 from 24 ratings.
Do Richart Life or icash Pay have ads?
Neither Richart Life nor icash Pay shows ads.
Which is updated more often, Richart Life or icash Pay?
Richart Life ships an update every 4 weeks, and icash Pay monthly. Most recently, Richart Life was updated on October 29, 2026 and icash Pay on October 25, 2026.

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