M vs GAJA
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
M
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.
- Cashless transactions
- Mobile credit and electricity token purchases
- Bill payments
- Fund transfers to M-Bayar and bank accounts
- QRIS payments
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M-Bayar adalah aplikasi E-Money yang memudahkan anda melakukan transaksi secara non-tunai dan telah memiliki lisensi dari Bank Indonesia. Dengan berbagai macam fitur yang M-Bayar sediakan, anda tidak perlu khawatir lagi jika bepergian namun lupa membawa uang tunai. Fitur yang tersedia saat ini adalah: - m-Deals, memudahkan anda untuk melakukan pembelian pulsa nomor seluler, token listrik dan sebagainya. - m-Bills, membayar tagihan akan hanya butuh beberapa klik. - m-Transfer, Transfer ke Sesama Akun M-Bayar dan Transfer ke Rekening Bank kapanpun dan dimanapun - QRIS, memudahkan anda untuk melakukan transaksi kapanpun dan dimanapun Fitur yang akan hadir: - m-Shop, berbagai produk yang ditawarkan oleh mitra M-Bayar yang bisa anda beli menggunakan fitur ini. - m-Promo, berbagai promo-promo menarik dapat dinikmati khusus untuk anda. - m-Edu, pembayaran pendidikan anak dan keluarga anda, kini bisa dilakukan kapan pun dan dimana pun. - m-Services, seluruh transaksi akan lebih mudah untuk dikelola dan dimonitor, cukup menggunakan satu aplikasi M-Bayar. ---
GAJA
This app provides a comprehensive digital payment solution for all your needs. It integrates various transaction types, including money transfers, bill payments, and merchant purchases via QRIS scan. Enjoy safe and guaranteed transactions with access to exclusive promos and vouchers.
- Send money anytime, anywhere
- Easy bill payments
- QRIS scan for merchant purchases
- Virtual account top-ups
- Safe and guaranteed transactions
- Exclusive promos and vouchers
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Pay for all your needs anytime and anywhere with Gaja Digital Payment! Gaja Digital Payment offers various digital transaction integrated only in one application. With more than 3000 merchant from 150 leading brands under MAP involved, transaction with Gaja would make your purchasing a pleasant experience. Take a look on Gaja Digital Payment top feature, here 1. Send Money Anytime, Anywhere Transfer services at Gaja can be used from transfers to fellow Gaja users up until transfers to bank accounts without any problems. 2. Easy Way to Pay Bills From purchasing data packages to postpaid card payments, you can also pay all the electricity and BPJS Kesehatan bills easily from Gaja. 3. Ease of Purchase Make payments for purchases at various merchants easily through the QRIS scan feature. 4. Top-Up Easily via Virtual Account 5. Safe and Guaranteed Transactions. Gaja Digital Payment has been registered to Bank Indonesia, all financial transactions are guaranteed to be safe and reliable. 6. Explore Various Interesting Promos Find various attractive promos from merchants who have used Gaja and access exclusive vouchers that can only be obtained when transacting using Gaja Digital Payment.
Screenshots
Verdict
The clearest difference is review sentiment: GAJA at 100% against M's 33%. GAJA also leads on update cadence (every 2 months vs every 3 months). M's advantage is monetization model (free vs ad-supported). On price, ads, in-app purchases 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
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, GAJA every 2 months. The most recent releases landed on October 15, 2026 and October 14, 2026 respectively.
| Parameter | M | GAJA |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | 33.3% of reviews | 100.0% of reviews — better |
| Number of ratings | — | 1 — better |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.5 — better |
| Further details — not scored | ||
| Size | 66 MB | 80 MB |
| Age rating | 4+ | 4+ |
| Developer | PT. E2Pay Global Utama | PT GPay Digital Asia |
Customer experience
M
GAJA
In-app purchases
M
No in-app purchases
GAJA
No in-app purchases
