M vs Spay Fintech
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
M
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White label International Mobile E-Wallet developed by Paymentz
Spay Fintech
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You can use various alternative payment channels for your multi-purpose transaction. Our full-stack, in-house, built-rich payment, which holds various alternative payments, could be your new mobile wallet. Weβre an award-winning payment aggregator, we also are the supplier. Our passion for payment gateway pushed us to the extent of possibilities that can help the world of emerging businesses to emerge even more. We like startups and SMEs, and our platform is based designed for their needs. An application that your non-tech parents also can use. Our mission is to build connections that do not include any fragmentation in the e-commerce ecosystem. We make these connections to enable our customers to go cashless, digitizing how they accept payments. You can use various alternative payment channels for your multi-purpose transaction. Our full-stack, in-house, built-rich payment, which holds various alternative payments, could be your new mobile wallet.
Screenshots
Verdict
The clearest difference is update cadence: M at every 5 weeks against Spay Fintech's every 9 months. Spay Fintech's advantage is iOS requirement (15.0 vs 18.4). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
M ships an update every 5 weeks, Spay Fintech every 9 months. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.
| Parameter | M | Spay Fintech |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 5 weeks β better | Every 9 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone | iPhone, iPod β better |
| Requires iOS | 18.4 | 15.0 β better |
| Further details β not scored | ||
| Size | 68 MB | 1 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYMENT GATEWAY SOLUTIONS PRIVATE LIMITED | SPAY FINTECH PRIVATE LIMITED |
In-app purchases
M
No in-app purchases
Spay Fintech
No in-app purchases









