Comparison

ONEIC Pay vs bm merchant

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

Head to head
About

ONEIC Pay

Manage all your essential payments in one secure app. Instantly pay utility bills, telecom recharges, traffic fines, and more using your e-wallet or bank cards. Track payment history and enjoy rewards for your transactions.

Highlights
  • E-Wallet services
  • Pay utility bills
  • Telecom recharges
  • Traffic fine payments
  • Money transfers
  • QR code payments
  • Earn and redeem rewards
Features
Read full description

ONEIC Pay offers a secure and simple way to manage all your essential payments in one place. Instantly pay your electricity, water, and telecom bills, recharge prepaid accounts, and conveniently settle traffic fines, Judiciary fees, and Social Protection Fund contributions — all via E-Wallet or bank cards, anytime and anywhere. View your electricity, water latest bills (PDF), track payment history, and enjoy complete control over your transactions with ease Digital Wallet Services: • Top up the digital wallet • Pay various bills and fees • Send, receive, and request and transfers money through local E-Wallets • Send money internationally anytime, anywhere • Shop and pay by scanning QR codes Clients Listed for Bill Payments and Balance Refill: • Nama Supply • Nama Water Services • Nama Dhofar Services • Nakhal Water Services • Marafiq • Omantel • Ooredoo • Vodafone • Awasr • Ranna • Red Bull Mobile • Friendi Government Services: • Royal Oman Police (ROP) - Traffic Fines, Vehicle Registration Renewal • Supreme Judicial Council (CAAJ) • Social Protection Fund (SPF) Insurance Services: • Vehicle Insurance • Social Protection Fund Educational Institutions for Fee Payment: • Arab Open University • A’Sharqiyah University • Azzan Bin Qais International School • German University of Technology, Oman • Indian School Muscat • Middle East College • Muscat University • Seeb International School • Sohar International School • Al Imtiaz Private School Entertainment: • Purchase various entertainment packages Pay and Earn Rewards • Now, pay your bills and enjoy rewards! • Redeem your rewards once you reach the eligible amount for redemption

About

bm merchant

This digital wallet allows merchants to easily receive and request payments from consumers using mobile numbers, aliases, or QR codes. It simplifies transactions by enabling quick payment generation and initiation, with options for consumers to accept or reject requests.

Highlights
  • Receive payments via QR code
  • Request payments using mobile number or alias
  • Accept or reject payment requests
  • Share QR code for easy payments
  • Digital wallet functionality
Features
Read full description

BM merchant is a digital wallet that allows you to receive or request payments from consumers who are registered to any banks mobile payments services. An option of either using the consumer’s mobile number, alias, scanning yours or the consumers QR code is provided to make payments easier. Our features: Collect Payments-Allows you to receive payments from consumer by generating a QR code that will be scanned by the consumer with the bill amount already set. Initiate Payments-An option is also provided for you to request a payment from the consumer using their mobile number, alias, and scanning their QR, wherein the consumer has an option to accept or reject the payment. The merchant has an option to share their QR code to the consumer, which enables them to scan and make the payments through the application, anywhere.

Screenshots

ONEIC Pay4 screens
bm merchant4 screens

Verdict

The call

The clearest difference is review sentiment: ONEIC Pay at 59% against bm merchant's 0%. On price, update cadence, ads and in-app purchases 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.

UpkeepUpdate frequency

ONEIC Pay ships an update every 3 months, bm merchant every 4 months. The most recent releases landed on July 29, 2026 and July 9, 2026 respectively.

Scorecard1 real difference · 9 level
ONEIC Pay versus bm merchant: the parameters behind the verdict, then further details
ParameterONEIC Paybm merchant
PriceFreeFree
Rating4.0 (120 ratings) — better—
Positive reviews59.0% of reviews — better0.0% of reviews
Number of ratings120 — better—
Update frequencyEvery 3 months — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS12.412.0 — better
Further details — not scored
Size126 MB7 MB
Age rating4+4+
DeveloperOman National Engineering and Investment(SAOG)Bank Muscat (S.A.O.G)

Customer experience

ONEIC Pay

All ratings120 ratings
Positive71.7%
Neutral5.8%
Negative22.5%
Written reviews39 reviews
Positive59.0%
Neutral10.3%
Negative30.8%

bm merchant

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

ONEIC Pay

No in-app purchases

None

bm merchant

No in-app purchases

Questions

Is ONEIC Pay free?
ONEIC Pay is free to download, with no in-app purchases.
Is bm merchant free?
bm merchant is free to download, with no in-app purchases.
Do ONEIC Pay or bm merchant have ads?
Neither ONEIC Pay nor bm merchant shows ads.
Which is updated more often, ONEIC Pay or bm merchant?
ONEIC Pay ships an update every 3 months, and bm merchant every 4 months. Most recently, ONEIC Pay was updated on July 29, 2026 and bm merchant on July 9, 2026.

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