Comparison

My Card Wallet vs Mobile Pay

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

Head to head
About

My Card Wallet

Securely store your credit and debit card details with robust encryption. Access your information quickly via PIN or biometric authentication, with no developer access to your data.

Highlights
  • Strong encryption
  • Local data storage
  • PIN/Touch ID access
  • Card information storage
  • Simple interface
Features
Read full description

My Card Wallet is a secure app for storing bank cards and confidential information. Keep your card details on your device and create encrypted Capsules to prepare important information for someone you trust while staying in control of when it becomes accessible. BANK CARDS ALWAYS WITHIN REACH Add your bank, credit, and debit cards to Wallet and keep their details together in one secure place. • Store card numbers, expiration dates, and notes • Add cards by scanning them or entering details manually • Quickly find the card you need and copy its details • Keep your data only on your device or sync it via iCloud • Protect the app with a PIN, Touch ID, or Face ID Wallet is not a payment service and does not process banking transactions. CAPSULE — SECURE TRANSFER OF CONFIDENTIAL INFORMATION Some information should not simply be sent through a messenger, email, or stored in an ordinary file. But sometimes you need to prepare it in advance for someone you trust. Capsule lets you create encrypted storage for confidential information and provide the recipient with a QR code or link for future access. A Capsule can contain: • confidential notes and instructions • backup codes and two-factor authentication codes • account recovery information • bank account and financial service information • safe codes and information about important documents • crypto wallet recovery information and seed phrases • documents and other important files • work logins and passwords Sharing it now may be too early. Never sharing it may be too risky. Capsule was created for exactly these situations. MULTIPLE LAYERS OF CRYPTOGRAPHIC PROTECTION Capsule's architecture is designed so that the data required to open it is never kept in one place. Its cryptographic protection includes: • an invitation key contained in the QR code or link • key material generated on the owner's device • additional user-generated entropy • personal security questions The owner also determines the conditions and timing of access. Cryptographic keys are generated on the user's device, and the contents are encrypted before being sent to the server. The server stores only encrypted data and the service information required for Capsule to function. The invitation key is not stored on the server together with the Capsule. Therefore, even if someone obtained copies of encrypted Capsules from the server, that alone would not give them access to their contents. A server breach does not mean a Capsule breach. Wallet's developers cannot access the contents of your Capsules and do not possess all the data required to decrypt them. SHARE NOW — ALLOW ACCESS LATER — STAY IN CONTROL You determine the conditions for accessing your Capsule. Set a date before which it cannot be opened and choose a waiting period after an access request. When someone attempts to open the Capsule, you receive a notification and can approve or reject the request. If you do not respond within the period you set, the recipient can continue the opening process only after passing the protection you configured. You can edit or delete a Capsule, change its access conditions, and reissue its QR code. Once a new QR code is issued, previous links stop working. CURRENCY CONVERTER Wallet also includes a multi-currency converter. Point your camera at a price, and AI will convert it into your selected currency. Keep what you need today. Prepare what someone may need tomorrow. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Service Terms: https://capsule.highglossy.com/legal/terms-of-use Privacy Policy: https://capsule.highglossy.com/legal/privacy-policy

About

Mobile Pay

Instantly access and manage your digital pre-paid Mastercard. Securely add your card to your mobile wallet for easy in-store and online payments. View transaction history and card details within the app.

Highlights
  • Instant digital Mastercard access
  • Add card to mobile wallet
  • Tap and Go in-store payments
  • Online payment details retrieval
  • View transaction history
  • Access card expiry and CVC
Features
Read full description

Access your digital pre-paid Mastercard instantly, easily and securely. You will receive a text message from us with details on how to access your Mastercard using Mobile Pay. You can then add your Mastercard to your mobile Wallet. How To Use: 1. Follow the text prompts to download Mobile Pay, access your Mastercard and choose to save it to your card wallet. 2. Open your card wallet or the Mobile Pay app to access the card. 3. For in-store purchases at participating merchants follow the prompts to use the “Tap and Go” facility. 4. For online purchases, open the Mobile Pay app and tap the card image to find your card number, expiry and CVC to enter at checkout. 5. Open the Mobile Pay app to view transaction history, expiry and card details. Happy shopping!

Screenshots

My Card Wallet4 screens
Mobile Pay4 screens

Verdict

The call

The clearest difference is rating: Mobile Pay at 5.0 against My Card Wallet's 4.3. Mobile Pay also leads on in-app purchases (none vs 9) and iOS requirement (11.0 vs 16.6). My Card Wallet's advantage is review sentiment (57% vs 19%) and ratings volume (140 vs 1). On price, update cadence, ads 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. My Card Wallet sells 9 in-app purchases, starting at $1.99 per month. Mobile Pay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Mobile Pay holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: My Card Wallet has 140 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 57% of My Card Wallet's written reviews are positive against 19% of Mobile Pay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly monthly. Both last shipped on October 24, 2026.

Scorecard6 real differences · 4 level
My Card Wallet versus Mobile Pay: the parameters behind the verdict, then further details
ParameterMy Card WalletMobile Pay
PriceFreeFree
Rating4.3 (140 ratings)5.0 (1 ratings) — better
Positive reviews57.1% of reviews — better19.2% of reviews
Number of ratings140 — better1
Update frequencyMonthlyMonthly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS16.611.0 — better
Further details — not scored
Size116 MB34 MB
Age rating4+4+
DeveloperHighglossy FZEEdge Loyalty Systems Pty Ltd

Customer experience

My Card Wallet

All ratings139 ratings
Positive79.1%
Neutral9.4%
Negative11.5%
Written reviews42 reviews
Positive57.1%
Neutral7.1%
Negative35.7%

Mobile Pay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews26 reviews
Positive19.2%
Neutral0.0%
Negative80.8%

Bugs and requests

My Card Wallet

Reported bugs

7 issues
  • Data lost after update
  • App crashes after launch
  • Cannot add certain card types (Verve, Belarusian)
  • Error adding some cards
  • Deletes entire file when swiping too fast
Show 2 more
  • Copies spaces incorrectly
  • Doesn't accept Apple Card

Requested features

8 requests
  • Add cards to Apple Wallet
  • Dark mode
  • Assign colors to cards
  • Widget support
  • Manual card add feature
Show 3 more
  • Wallet view
  • Add bank phone numbers
  • Printout feature

Mobile Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

9 purchases

My Card Wallet

Subscriptions6
  • Capsule Basic Monthly1 Month trial$1.991 Month
  • Capsule Plus Monthly$4.991 Month
  • Capsule Max Monthly$9.991 Month
Show 3 more
  • Capsule Basic Annual1 Month trial$14.991 Year
  • Capsule Plus Annual$49.991 Year
  • Capsule Max Annual$99.991 Year
One-time3
  • 1 cup$0.99
  • 2 cups$1.99
  • 3 cups$2.99
None

Mobile Pay

No in-app purchases

Questions

Is My Card Wallet free?
My Card Wallet is free to download, with in-app purchases available.
Is Mobile Pay free?
Mobile Pay is free to download, with no in-app purchases.
Which has better reviews, My Card Wallet or Mobile Pay?
Mobile Pay is rated higher. My Card Wallet averages 4.3 out of 5 from 140 ratings, while Mobile Pay averages 5.0 from 1 ratings.
Do My Card Wallet or Mobile Pay have ads?
Neither My Card Wallet nor Mobile Pay shows ads.
Which is updated more often, My Card Wallet or Mobile Pay?
My Card Wallet ships an update monthly, and Mobile Pay monthly. Most recently, My Card Wallet was updated on October 24, 2026 and Mobile Pay on October 24, 2026.

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