# VNPAY Merchant vs VCB DigiBiz

The clearest difference is review sentiment: VNPAY Merchant at 62% against VCB DigiBiz's 0%. VNPAY Merchant also leads on rating (4.2 vs 3.4) and update cadence (fortnightly vs every 2 months). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

VNPAY Merchant holds the better App Store score, 4.2 against 3.4. That said, the two scores are not equally well evidenced: VNPAY Merchant has 76 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 62% of VNPAY Merchant's written reviews are positive against 0% of VCB DigiBiz's.

VNPAY Merchant ships an update fortnightly, VCB DigiBiz every 2 months. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | VNPAY Merchant | VCB DigiBiz |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (76 ratings)](https://appshunter.io/ios/app/vnpay-merchant/id1270677646/reviews)** | [3.4 (5 ratings)](https://appshunter.io/ios/app/vcb-digibiz/id1592900514/reviews) |
| Number of ratings | **76** | 5 |
| Positive reviews | **61.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 months |
| Monetization | Free | Free |
| Size | 434 MB | 181 MB |
| Requires iOS | 14.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [VNPAY](https://appshunter.io/developer/443364658) | [Vietcombank JSC](https://appshunter.io/developer/944568123) |

## What reviewers say

### VNPAY Merchant

[App page](https://appshunter.io/ios/app/vnpay-merchant/id1270677646)

Manage outstanding payments, access a variety of utility services, and earn rewards through a loyalty program. This app allows partners to conveniently handle financial transactions and access a wide range of services.

**Highlights:** Manage outstanding payments, Access utility services, Earn rewards through loyalty program, Withdraw payments, Purchase services, Track transactions

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### VCB DigiBiz

[App page](https://appshunter.io/ios/app/vcb-digibiz/id1592900514)

This digital banking service facilitates essential financial transactions for businesses, offering anytime, anywhere access. It supports account inquiries, money transfers, bill payments, and secure authentication methods.

**Highlights:** Account information inquiry, Money transfer (internal/external), Scheduled and recurring transfers, Bill payments, Secure transaction authentication, Customizable transaction limits, Real-time account alerts

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is VNPAY Merchant free?

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

### Is VCB DigiBiz free?

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

### Which has better reviews, VNPAY Merchant or VCB DigiBiz?

VNPAY Merchant is rated higher. VNPAY Merchant averages 4.2 out of 5 from 76 ratings, while VCB DigiBiz averages 3.4 from 5 ratings.

### Do VNPAY Merchant or VCB DigiBiz have ads?

Neither VNPAY Merchant nor VCB DigiBiz shows ads.

### Which is updated more often, VNPAY Merchant or VCB DigiBiz?

VNPAY Merchant ships an update fortnightly, and VCB DigiBiz every 2 months. Most recently, VNPAY Merchant was updated on October 29, 2026 and VCB DigiBiz on October 30, 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.*