# Credas vs Merseyflow Quick Pay

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.

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.

## The numbers

| Metric | Credas | Merseyflow Quick Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (3.6K ratings)](https://appshunter.io/ios/app/credas/id1231930028/reviews)** | — |
| Number of ratings | **3.6K** | — |
| Positive reviews | **31.6% of reviews** | 3.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Fortnightly** |
| Monetization | Free | Free |
| Size | 114 MB | 149 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Credas Technologies Ltd](https://appshunter.io/developer/1231930027) | [EMOVIS OPERATIONS MERSEY LTD](https://appshunter.io/developer/1481465972) |

## What reviewers say

### Credas

[App page](https://appshunter.io/ios/app/credas/id1231930028)

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.

**Highlights:** Identity verification, Anti-money laundering checks, Secure data encryption, ISO 27001 compliant, UK Digital Identity Trust Framework certified

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 👍 Straightforward process
- 🚀 Quick and convenient
- 👍 User-friendly
- 🚀 Efficient ID checks

**What reviewers complain about**

- 🐛 Buggy and glitchy
- 🐛 Crashes frequently
- 🐛 Fails to save progress
- 🐛 Inconsistent and unreliable
- 🐛 Difficult to navigate

**Reported bugs**

- 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**

- 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


### Merseyflow Quick Pay

[App page](https://appshunter.io/ios/app/merseyflow-quick-pay/id1481465973)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ✅ Simple registration process when it works
- 💳 Autopay functionality for regular users
- 📱 Convenient mobile payment option
- ⚡ Quick payment processing when functional

**What reviewers complain about**

- 🐛 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

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is Credas free?

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

### Is Merseyflow Quick Pay free?

Merseyflow Quick Pay is free to download, with no in-app purchases.

### Do Credas or Merseyflow Quick Pay have ads?

Neither Credas nor Merseyflow Quick Pay shows ads.

### Which is updated more often, Credas or Merseyflow Quick Pay?

Credas ships an update monthly, and Merseyflow Quick Pay fortnightly. Most recently, Credas was updated on September 23, 2026 and Merseyflow Quick Pay on September 23, 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.*