Comparison

BigPay vs Merchantrade Secure

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

Head to head
About

BigPay

Manage your finances effortlessly with this app. Track expenses, save money, and make payments globally using physical or virtual cards and QR codes. It offers fast international remittances and seamless bill payments.

Highlights
  • Simple expense tracking
  • Save money with Stashes
  • Physical and virtual Visa card payments
  • DuitNow QR payments
  • Fast international remittance
  • Seamless bill payments and top-ups
  • Earn rewards points
Features
Read full description

With the power to manage your money anywhere, BigPay has one purpose, - to empower you with essential financial services to level up your lives, one transaction at a time. With the flexibility of a mobile app and physical card, we give you the flexibility to improve your spending habits in one place. Benefits include: 1. SIMPLE and EASY EXPENSE TRACKING right in the app 2. SAVE EVERY TIME YOU SPEND with Stashes 3. Pay with PHYSICAL AND VIRTUAL VISA CARD or even make DUITNOW QR PAYMENTS in Malaysia, Singapore, Thailand, and Indonesia 4. FAST, SECURE, AND AFFORDABLE international remittance 5. SEAMLESS bill payments and prepaid mobile top ups in just a few clicks 6. INSTANT money transfers to friends on BigPay, or other local banks via DuitNow 5 Minute Sign Up Download the app, verify your identity, add money to your account and voila your account is set up! So many ways to pay anywhere you go With instant transfers via DuitNow QR, international transfers give you the ability to spend in Malaysia, Singapore, Thailand, and Indonesia. With our physical and virtual Visa cards, the options are limitless – spend and save with BigPay across the globe. You spend it, we track it BigPay automatically categorizes your spending across all your transactions so you always know where your money is going. Track your spending on a monthly and yearly basis and keep tabs of your budget. Send money overseas faster, cheaper and safer Transfer money to friends and family across the globe for little fees and competitive exchange rates. Fast, hassle-free and no hidden fees Everything you need for your everyday payments Use BigPay for all your money needs in one app. Pay your home utility bills such as electricity, water, internet, and more; plus mobile top ups and even lifestyle insurances to give you peace of mind in your daily life. Save when you spend with Stashes! Save a little (or a lot) whenever you spend with Stashes. Create multiple Stashes for all your financial goals Earn points and travel deals Score points for every transaction you make and turn them into travel deals with airasia rewards! Empowering YOU and your money It's our mission to make sure that you have everything you need to be in control of your finances. We give you the power to spend, track, and even start saving. Watch out as we continue building products and services that make managing your money as easy can be.

About

Merchantrade Secure

Read full description

The app provides one-time password codes for two-step authorization. The Merchantrade Secure app provides one-time password codes for two-step authorization in MIRS. Two-step authorization is an additional level of protection for your account from malicious users. Even if your password is stolen, your account will not be accessible to a would-be hacker. Authorization is performed in two steps: first you use your regular password; second, you enter a one-time code that is generated via this application. Protect your data: install this app on your mobile phone and use it to create one-time authorization codes. The application can support several accounts at the same time, and the codes can be generated even without access to the network.

Screenshots

BigPay4 screens
Merchantrade Secure4 screens

Verdict

The call

The clearest difference is ads: Merchantrade Secure at none against BigPay's shown. Merchantrade Secure also leads on iOS requirement (7.0 vs 13.0). BigPay's advantage is update cadence (every 3 weeks vs every 3 months). On price, in-app purchases and device support 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

BigPay ships an update every 3 weeks, Merchantrade Secure every 3 months. The most recent releases landed on November 2, 2026 and October 26, 2026 respectively.

Scorecard3 real differences · 7 level
BigPay versus Merchantrade Secure: the parameters behind the verdict, then further details
ParameterBigPayMerchantrade Secure
PriceFreeFree
Rating4.0 (134 ratings) — better—
Positive reviews27.0% of reviews—
Number of ratings134 — better—
Update frequencyEvery 3 weeks — betterEvery 3 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.07.0 — better
Further details — not scored
Size150 MB32 MB
Age rating17+4+
DeveloperBIG PAY PTE. LTD.MERCHANTRADE ASIA SDN BHD

In-app purchases

None

BigPay

No in-app purchases

None

Merchantrade Secure

No in-app purchases

Questions

Is BigPay free?
BigPay is free to download, with no in-app purchases.
Is Merchantrade Secure free?
Merchantrade Secure is free to download, with no in-app purchases.
Do BigPay or Merchantrade Secure have ads?
BigPay shows ads; Merchantrade Secure does not.
Which is updated more often, BigPay or Merchantrade Secure?
BigPay ships an update every 3 weeks, and Merchantrade Secure every 3 months. Most recently, BigPay was updated on November 2, 2026 and Merchantrade Secure on October 26, 2026.

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