# My Card Wallet vs Mobile Pay

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.

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.

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.

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

## The numbers

| Metric | My Card Wallet | Mobile Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (140 ratings)](https://appshunter.io/ios/app/my-card-wallet-secure-notes/id1259742455/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/mobile-pay/id1447322394/reviews)** |
| Number of ratings | **140** | 1 |
| Positive reviews | **57.1% of reviews** | 19.2% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Monthly | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 116 MB | 34 MB |
| Requires iOS | 16.6 | **11.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Highglossy FZE](https://appshunter.io/developer/1790816653) | [Edge Loyalty Systems Pty Ltd](https://appshunter.io/developer/842358905) |

## What reviewers say

### My Card Wallet

[App page](https://appshunter.io/ios/app/my-card-wallet-secure-notes/id1259742455)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Capsule Basic Monthly | $1.99 | per month |
| Capsule Plus Monthly | $4.99 | per month |
| Capsule Max Monthly | $9.99 | per month |
| Capsule Basic Annual | $14.99 | per year |
| Capsule Plus Annual | $49.99 | per year |
| Capsule Max Annual | $99.99 | per year |
| 1 cup | $0.99 | one-time |
| 2 cups | $1.99 | one-time |
| 3 cups | $2.99 | one-time |

**What reviewers like**

- 👍 Useful for storing card data
- 👍 Convenient for forgotten cards
- 👍 Good interface design
- 👍 Security features (password prompt)
- 👍 Works as intended (storage)

**What reviewers complain about**

- 👎 Cannot make payments
- 👎 Perceived as useless by some
- 👎 Data loss after update
- 👎 Security concerns
- 👎 Unclear purpose for some

**Reported bugs**

- 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

**Requested features**

- Add cards to Apple Wallet
- Dark mode
- Assign colors to cards
- Widget support
- Manual card add feature


### Mobile Pay

[App page](https://appshunter.io/ios/app/mobile-pay/id1447322394)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*