iCard vs Libya Guide GPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
iCard
Easily purchase digital prepaid cards and gift coupons anytime, anywhere. Securely receive redeem codes for activation and use. Avoid the hassle of physical cards and shop availability.
- Purchase prepaid cards
- Buy gift vouchers and coupons
- Top-up credit directly
- Send cards to other users
- View purchase history
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* iCard users can purchase prepaid cards and gift coupons any time anywhere. * All you need is smartphone or computer connected to the Internet and, for payment, you can use: a) iCash App from Umbrella.ly (iCash subscription needed) or b) Libyana Mobile Phone Co. airtime credit or c) Moamalat service-supported debt card issued by local Libyan banks * Never again worry about losing a card or damaging the secret redeem number * Users will neither be restricted to the availability of a desired card nor need to actually go to a shop which could be closed or out of stock ** Target users: * Any user of iCard, but Umbrella Company’s iCash subscribers will benefit from other functionality * iCard accepts payments using iCash app or via Libyana Mobile Phone Co. airtime credit or using Moamalat service-supported debt card issued by local Libyan banks ** The main items available for sales using iCard: Wide variety of prepaid top-up cards, coupons and international and local gift vouchers ** Deliverables and usage: The delivery of goods is in non-tangible digital form viz. the receipt by the buyer of a secret redeem code as issued by the company or vendors producing and owning the card or the coupon in question The code delivered enables the buyer to activate and redeem the value of the card and collect it using the appropriate channels and procedures facilitated by the company producing the card All terms and conditions set by the coupon or cards’ vendors and manufacturers apply and regulate the relationship between them and the consumer iCard does not deliver any physical product or commodity ** Features: Purchase prepaid cards from local telecoms companies Purchase gift vouchers and prepaid coupons from international companies The user can top-up their credit directly when using the local recharge cards The card can be sent to any other user All previous purchases can be viewed for cost planning ** Terms of Service and Privacy: Visit the iCard site
Libya Guide GPay
This app facilitates secure and convenient electronic payments for e-commerce in Libya. Users can link local bank accounts to digital wallets for quick transactions, make payments via QR codes or gateway numbers, and manage funds with sub-accounts for merchants or family members.
- Link local bank accounts
- QR code payments
- Sub-account management
- Payment requests
- Secure transactions
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GPay is a cutting-edge mobile payment service designed to enhance the electronic payment infrastructure for e-commerce in Libya. With Libya Guide GPay, users can effortlessly link their local bank accounts to their electronic wallets, enabling quick and secure transactions. Key Features: Easy Fund Transfers: Add funds to your wallet by linking your bank account or by using the local bank cards. Flexible Payment Options: Make payments by scanning the receiver’s QR code or entering their gateway number. Sub-accounts: GPay supports the creation of dedicated accounts for cashiers for merchants, making it easy to manage funds and track points of sale efficiently. Parents can also add sub-accounts for family members. Primary users can create sub-user accounts with specific permissions. Payment Requests: Receive payment requests and choose to accept or reject them with ease. Experience the convenience and security of digital payments with GPay, your trusted partner in modernizing financial transactions in Libya.
Screenshots
Verdict
iCard and Libya Guide GPay both sit at 3.9 stars, but that hides the real split: 100% of Libya Guide GPay's written reviews are positive against 58% of iCard's. Libya Guide GPay also leads on monetization model (free vs free with in-app purchases). iCard's advantage is ratings volume (70 vs 7) and iOS requirement (12.1 vs 15). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 3.9 for iCard against 4.0 for Libya Guide GPay. That said, the two scores are not equally well evidenced: iCard has 70 ratings behind it against 7, so its average is the more settled of the two. Written reviews are what separate them: 58% of iCard's written reviews are positive against 100% of Libya Guide GPay's.
iCard ships an update every 2 weeks, Libya Guide GPay monthly. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.
| Parameter | iCard | Libya Guide GPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (70 ratings) | 4.0 (7 ratings) — better |
| Positive reviews | 57.9% of reviews | 100.0% of reviews — better |
| Number of ratings | 70 — better | 7 |
| Update frequency | Every 2 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.1 — better | 15 |
| Further details — not scored | ||
| Size | 62 MB | 15 MB |
| Age rating | 4+ | 4+ |
| Developer | AL-MADALA COMPANY LIMITED | Libya Guide for Information Technology |
Customer experience
iCard
Libya Guide GPay
In-app purchases
iCard
No in-app purchases
Libya Guide GPay
No in-app purchases







