# M vs Spay Fintech

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.

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.

## The numbers

| Metric | M | Spay Fintech |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 9 months |
| Size | 68 MB | 1 MB |
| Requires iOS | 18.4 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PAYMENT GATEWAY SOLUTIONS PRIVATE LIMITED](https://appshunter.io/developer/1249220225) | [SPAY FINTECH PRIVATE LIMITED](https://appshunter.io/developer/1656369492) |

## What reviewers say

### M

[App page](https://appshunter.io/ios/app/m-transact/id1249220226)

**Features:** macOS Compatibility

**In-app purchases:** none


### Spay Fintech

[App page](https://appshunter.io/ios/app/spay-fintech/id6444719057)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is M free?

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

### Is Spay Fintech free?

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

### Do M or Spay Fintech have ads?

Neither M nor Spay Fintech shows ads.

### Which is updated more often, M or Spay Fintech?

M ships an update every 5 weeks, and Spay Fintech every 9 months. Most recently, M was updated on November 6, 2026 and Spay Fintech on November 3, 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.*