# M vs GAJA

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.

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.

## The numbers

| Metric | M | GAJA |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/gaja/id1609921294/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 33.3% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | **Free** | Ad-supported |
| Size | 66 MB | 80 MB |
| Requires iOS | 15.6 | **15.5** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PT. E2Pay Global Utama](https://appshunter.io/developer/1436288938) | [PT GPay Digital Asia](https://appshunter.io/developer/1609921626) |

## 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


### GAJA

[App page](https://appshunter.io/ios/app/gaja/id1609921294)

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.

**Highlights:** Send money anytime, anywhere, Easy bill payments, QRIS scan for merchant purchases, Virtual account top-ups, Safe and guaranteed transactions, Exclusive promos and vouchers

**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 GAJA free?

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

### Do M or GAJA have ads?

Neither M nor GAJA shows ads.

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

M ships an update every 3 months, and GAJA every 2 months. Most recently, M was updated on October 15, 2026 and GAJA on October 14, 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.*