JMO vs POSPAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
JMO
Access BPJS Ketenagakerjaan services digitally without visiting an office. Manage your data, track claims, pay contributions, and view your balance. Offers a digital card, service location finder, and important news.
- Data updates
- JHT claim submission and tracking
- BPU segment contribution registration and payment
- JHT and JP balance simulation
- Balance check
- Digital card
- Service channel locations
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Inovasi terbaru layanan digital dari BPJS Ketenagakerjaan JMO memudahkanmu dalam memenuhi kebutuhan layanan digital BPJAMSOSTEK tanpa harus ke kantor cabang, kena macet, panas, hujan dan antrian yang bikin meriang. Hadir dengan berbagai fitur : 1. Pengkinian Data 2. Pengajuan & Lacak Klaim JHT 3. Kemudahan Daftar & Pembayaran Iuran Segmen BPU 4. Simulasi Saldo JHT dan JP 5. Cek Saldo 6. Kartu digital 7. Lokasi Kanal Pelayanan 8. Promo 9. Berita 10. Pengaduan 11. Laporan 12. Informasi Manfaat Unduh JMO sekarang! Berubah untuk lebih mudah! Informasi lebih lanjut silahkan menghubungi pusat layanan BPJS Ketenagakerjaan : Call center : 175 Twitter : @bpjstkinfo Facebook : BPJS Ketenagakerjaan Website : http://www.bpjsketenagakerjaan.go.id Email : care@bpjsketenagakerjaan.go.id
POSPAY
This app provides mobile access to financial services and transactions for Giropos account holders. It allows for bill payments, money transfers, financial management, and QR code payments. It extends the reach of PT Pos Indonesia's extensive service network.
- Bill payment for utilities, installments, and more
- Instant money transfers via Weselpos Instan
- Giropos account management
- QR code scanning for merchant payments
- Financial planning tools
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POSPAY adalah platform digital berbasis rekening Giropos yang diberikan kepada pemilik rekening Giropos sehingga dapat mengakses layanan Giropos dan layanan transaksi keuangan pos lainnya secara ‘mobile’. Dengan menggunakan ‘POSPAY Anda diberikan kemudahan dan fasilitas layanan transaksi keuangan secara ‘mobile’ yang dapat diakses kapan saja dan dimana saja seperti: a. Layanan Bill Payment: Pembayaran berbagai Tagihan : Listrik, PDAM, Cicilan Motor, Mobil, BPJS, Pembelian pulsa, token listrik dan masih banyak lagi. b. Pengiriman Uang melalui layanan Weselpos Instan. Kirim uang secepat sms. c. Pengelolaan Keuangan melalui Layanan Giropos: menyimpan dana di rekening Giropos, mudah, aman dan nyaman. d. Fasilitas Scan QR Code untuk pembayaran/pembelian via merchant/Micro Payment dengan basis Rekening Giropos. e. Perencanaan Keuangan dll. Layanan ‘POSPAY’ melengkapi jaringan dan titik layanan (Point of Sales) PT Pos Indonesia (Persero) yang sudah tersedia sebelumnya sekitar 58.700 titik dalam bentuk Kantorpos, Agenpos, Mobile Postal Service, dan lain-lain di seluruh Indonesia. Gunakan POSPAY untuk kemudahan dan kenyamanan kebutuhan layanan transaksi keuangan Anda.
Screenshots
Verdict
The clearest difference is ads: JMO at none against POSPAY's shown. JMO also leads on rating (2.1 vs 1.7) and monetization model (free vs free with in-app purchases). POSPAY's advantage is review sentiment (15% vs 0%). On price, ratings volume, update cadence and in-app purchases 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.
JMO holds the better App Store score, 2.1 against 1.7. Both are backed by a comparable volume of ratings — 22 and 11 respectively. Written reviews complicate that: 0% of JMO's written reviews are positive against 15% of POSPAY's, so the app with the better star average is not the one people write more warmly about.
JMO ships an update monthly, POSPAY every 6 weeks. The most recent releases landed on August 17, 2026 and June 11, 2026 respectively.
| Parameter | JMO | POSPAY |
|---|---|---|
| Price | Free | Free |
| Rating | 2.1 (22 ratings) — better | 1.7 (11 ratings) |
| Positive reviews | 0.0% of reviews | 15.3% of reviews — better |
| Number of ratings | 22 — better | 11 |
| Update frequency | Monthly — better | Every 6 weeks |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 140 MB | 155 MB |
| Age rating | 17+ | 4+ |
| Developer | BPJS Ketenagakerjaan | PT. Pos Indonesia (Persero) |
Customer experience
JMO
POSPAY
In-app purchases
JMO
No in-app purchases
POSPAY
No in-app purchases
