Credas vs Merseyflow Quick Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Credas
Easily verify your identity and conduct anti-money laundering checks with this user-friendly application. Trusted globally, it offers secure and encrypted data handling for compliance purposes.
- Identity verification
- Anti-money laundering checks
- Secure data encryption
- ISO 27001 compliant
- UK Digital Identity Trust Framework certified
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About this app The simple way to verify your identity. ID verification and anti-money laundering checks are made easy with our user-friendly app. Who are Credas? At Credas, we provide industry-leading compliance software that has been trusted by over three million individuals, globally, to confirm both their identity and source of funds. Why you can trust Credas with your data We understand that just as you wouldn’t purchase a property without a solid foundation, you wouldn’t share your sensitive data without being confident in the security measures protecting it. Credas is certified under the UK Government’s Digital Identity and Attributes Trust Framework, a trusted mark of excellence in identity verification. Our systems are fully compliant with ISO 27001, the globally recognised standard for information security management. All information is securely encrypted and sent directly to our protected servers where it is made available to the company that issued the invite. Need help using our app? You can find extensive user guides and resources within our knowledge hub: https://www.credas.com/usersupport/ as well as the option to contact our support team for further assistance.
Merseyflow Quick Pay
Manage your toll account, apply for discounts, and pay for crossings. This app allows users to register, update payment plans, and access savings schemes like LUDS and Blue Badge Holder. Set up pay-as-you-go accounts or pay for individual journeys.
- Manage account and payment plans
- Apply for discount schemes
- Set up pay-as-you-go accounts
- Pay for one-off crossings
- Register and update account details
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Top reasons to download the merseyflow App: - Whether you have a pre-pay or a pay-as-you-go account, you can use either the merseyflow website or the app to register for discounts, manage your accounts or use a pay-as-you-go option. - The enhanced app allows customers to use either the merseyflow website or app to: - Register, update and manage your account and payment plans directly. - Apply for discount schemes (save up to 10%), including the Local User Discount Scheme (LUDS) and the Blue Badge Holder scheme. - Set up a pay-as-you-go account, where there are no discounts, but payment can automatically be taken from a bank account without having a pre-pay merseyflow account. - Pay for one-off crossings.
Screenshots
Verdict
The clearest difference is review sentiment: Credas at 32% against Merseyflow Quick Pay's 3%. Credas also leads on iOS requirement (13.0 vs 15.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Credas ships an update monthly, Merseyflow Quick Pay fortnightly. Both last shipped on September 23, 2026.
| Parameter | Credas | Merseyflow Quick Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (3.6K ratings) — better | — |
| Positive reviews | 31.6% of reviews — better | 3.5% of reviews |
| Number of ratings | 3.6K — better | — |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 114 MB | 149 MB |
| Age rating | 4+ | 4+ |
| Developer | Credas Technologies Ltd | EMOVIS OPERATIONS MERSEY LTD |
Customer experience
Credas
Merseyflow Quick Pay
User reviews
Credas
From 3.6K App Store ratingsWhat we love
- 🚀 Easy to use
- 👍 Straightforward process
- 🚀 Quick and convenient
- 👍 User-friendly
- 🚀 Efficient ID checks
Room to improve
- 🐛 Buggy and glitchy
- 🐛 Crashes frequently
- 🐛 Fails to save progress
- 🐛 Inconsistent and unreliable
- 🐛 Difficult to navigate
Merseyflow Quick Pay
From App Store reviewsWhat we love
- ✅ Simple registration process when it works
- 💳 Autopay functionality for regular users
- 📱 Convenient mobile payment option
- ⚡ Quick payment processing when functional
Room to improve
- 🐛 App crashes and freezes frequently
- ❌ Cannot pay for crossings - core function broken
- 🔐 Login failures with valid credentials
- 💥 Recent updates broke existing functionality
- 📧 Confirmation emails not arriving
Bugs and requests
Credas
Reported bugs
5 issues- Passport NFC chip scan not working
- Address lookup not functioning properly
- Repeated failed attempts to upload documents
- Inconsistent behavior across devices
- Inability to go back and edit submissions
Requested features
6 requests- Allow document uploads instead of just scans
- Improve camera functionality and guidance
- Add option to bypass NFC chip scan
- Implement better address recognition
- Improve overall user experience and flow
Show 1 moreShow fewer
- Provide clearer instructions and guidance
Merseyflow Quick Pay
Reported bugs
18 issues- App crashes on splash screen or logo display
- Login fails with correct credentials
- Password validation differs between app and website
- Cannot add or update card details - error occurred while executing request
- Email verification codes not being sent
Show 13 moreShow fewer
- Autopay stops working after updates
- False notifications about crossings and payments
- White screen on app launch
- App freezes during payment processing
- 3D Secure authentication fails repeatedly
- Registration number not recognized despite being in system
- Account details not syncing between app and website
- Cannot add crossings - price must be greater than 0 error
- App not compatible with iPhone 7 and older models
- Duplicate charge attempts when retrying failed payments
- Password reset emails not arriving
- Account lockouts with no recovery option
- Form fields not rendering properly on mobile
Requested features
14 requests- Apple Pay and Google Pay integration
- Multiple vehicle registration per account
- Push notifications for crossings and payment reminders
- Transaction history and receipt tracking
- Password autofill and biometric authentication
Show 9 moreShow fewer
- Postcode lookup for address entry
- Account balance visibility before payment
- VAT receipts for business expense claims
- Unified login between app and website
- Real-time crossing notifications
- Ability to view and dispute penalty charge notices (PCNs)
- Direct payment option without pre-payment requirement
- Offline functionality or cached data
- Better error messages with solutions
In-app purchases
Credas
No in-app purchases
Merseyflow Quick Pay
No in-app purchases
