# M vs Dipay

The clearest difference is review sentiment: Dipay at 86% against M's 33%. Dipay also leads on update cadence (every 3 weeks vs every 3 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.

M ships an update every 3 months, Dipay every 3 weeks. The most recent releases landed on October 15, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | M | Dipay |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 33.3% of reviews | **85.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 66 MB | 204 MB |
| Requires iOS | 15.6 | **15.5.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PT. E2Pay Global Utama](https://appshunter.io/developer/1436288938) | [Mareco Prima Mandiri, PT](https://appshunter.io/developer/1326469029) |

## What reviewers say

### M

[App page](https://appshunter.io/ios/app/m-bayar/id1436288939)

This e-money application facilitates cashless transactions and is licensed by Bank Indonesia. It offers features for purchasing mobile credit, electricity tokens, paying bills, and transferring funds to other accounts or banks. QRIS transactions are also supported for easy payments.

**Highlights:** Cashless transactions, Mobile credit and electricity token purchases, Bill payments, Fund transfers to M-Bayar and bank accounts, QRIS payments

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

**In-app purchases:** none


### Dipay

[App page](https://appshunter.io/ios/app/dipay/id1497076024)

A digital wallet app for easy, secure, and convenient cashless transactions. Pay bills, installments, and taxes with just a few clicks. Earn rewards by referring friends.

**Highlights:** Easy balance top-up from major banks, Pay credit installments conveniently, Integrated vehicle tax payments, Pay property taxes (PBB), Credit card bill payments, Internet and landline bill payments, Referral rewards program

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is M free?

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

### Is Dipay free?

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

### Do M or Dipay have ads?

Neither M nor Dipay shows ads.

### Which is updated more often, M or Dipay?

M ships an update every 3 months, and Dipay every 3 weeks. Most recently, M was updated on October 15, 2026 and Dipay on October 1, 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.*