MyRepChat vs ETran Mobile Payments
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MyRepChat
This app provides compliant text messaging for financial professionals. It ensures conversations are retained, reportable, and archivable, while offering a familiar texting experience for clients without requiring them to install new software.
- Compliant text messaging
- Client and colleague communication
- Conversation retention
- Reporting and archiving
- Client-side familiarity
- No client app installation
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MyRepChat enables financial professionals to text with clients and colleagues while meeting the strict compliance requirements of the financial industry. All conversations are securely captured, retained, and available for reporting or integration with leading third-party archiving providers — giving your firm the oversight it needs without changing how you communicate. Best of all, your clients don’t need to download anything new. They simply text you the way they always have, using the native messaging app on their phone. Compliant messaging, without the friction.
ETran Mobile Payments
This app enables corporate users to deposit customer checks and initiate ACH or credit card payments directly from a mobile device. It securely stores payment information and integrates with existing A/R systems, offering a new payment channel.
- Mobile check deposits
- Initiate ACH and credit card payments
- Secure PCI compliant storage
- Invoice item association
- Integration with A/R systems
- Multiple payment channels
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What is it? The solution allows corporate users to electronically deposit their customer’s check images as well as initiate customer ACH and credit card payments from a mobile device. What does it do? Deposits customer checks into an unlimited number of corporate bank accounts. Securely stores all sensitive customer payment methods at a PCI compliant hosted site. Allows corporate users to initiate customer ACH or credit card payments from any number of customer accounts. Allows corporate users to select invoice items to be associated with a check, ACH or credit card payment (EBPP). Adds another payment channel to FTNI’s ETran payment engine which also supports “Mailed-In”, Walked-In”, “Called-In” and “Web” payment channels. Leverages FTNI’s SaaS based ETran payment platform’s proven ability to post (batch or real-time) all payments, regardless of channel, into the corporate’s A/R system. Utilizes ETran’s unique parent/child data structure and queue system to adapt to the corporations payment process flow. Visit FTNI’s website for more information. www.FTNI.com.
Screenshots
Verdict
The clearest difference is rating: ETran Mobile Payments at 4.0 against MyRepChat's 2.5. ETran Mobile Payments also leads on iOS requirement (12.0 vs 16.0). MyRepChat's advantage is update cadence (every 3 weeks vs every 2 months) and ratings volume (59 vs 3). On price, ads, in-app purchases and monetization model 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.
ETran Mobile Payments holds the better App Store score, 4.0 against 2.5. That said, the two scores are not equally well evidenced: MyRepChat has 59 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 13% of MyRepChat's written reviews are positive against 0% of ETran Mobile Payments's, so the app with the better star average is not the one people write more warmly about.
MyRepChat ships an update every 3 weeks, ETran Mobile Payments every 2 months. The most recent releases landed on October 21, 2026 and October 24, 2026 respectively.
| Parameter | MyRepChat | ETran Mobile Payments |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (59 ratings) | 4.0 (3 ratings) — better |
| Positive reviews | 13.1% of reviews — better | 0.0% of reviews |
| Number of ratings | 59 — better | 3 |
| Update frequency | Every 3 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 47 MB | 33 MB |
| Age rating | 4+ | 4+ |
| Developer | fmg Suite, LLC. | com.ftni |
Customer experience
MyRepChat
ETran Mobile Payments
Bugs and requests
MyRepChat
Reported bugs
14 issues- App crashes frequently
- Notifications not clearing (ghost notifications)
- Messages not sending or not being received
- App freezes or goes blank
- Login issues (white screen, single sign-on loop)
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- Calls dropping or not ringing
- MMS not supported
- Duplicate contacts
- Cannot compose new messages directly
- Inconsistent message updates
- Typing blindly when sentence exceeds screen width
- Badge notifications not updating
- Cannot send pictures or images
- Unread message indicators persist after reading
Requested features
7 requests- Ability to block spam calls easily
- Support for group texts
- Improve contact integration with Outlook
- Allow changing login duration
- Dedicated mobile app with texting focus
Show 2 moreShow fewer
- Dark mode option
- Advanced analytics dashboard
ETran Mobile Payments
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MyRepChat
No in-app purchases
ETran Mobile Payments
No in-app purchases
Questions
Is MyRepChat free?
Is ETran Mobile Payments free?
Which has better reviews, MyRepChat or ETran Mobile Payments?
Do MyRepChat or ETran Mobile Payments have ads?
Which is updated more often, MyRepChat or ETran Mobile Payments?
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