Mobile Pay vs Vault Payments
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Mobile Pay
Instantly access and manage your digital pre-paid Mastercard. Securely add your card to your mobile wallet for easy in-store and online payments. View transaction history and card details within the app.
- Instant digital Mastercard access
- Add card to mobile wallet
- Tap and Go in-store payments
- Online payment details retrieval
- View transaction history
- Access card expiry and CVC
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Access your digital pre-paid Mastercard instantly, easily and securely. You will receive a text message from us with details on how to access your Mastercard using Mobile Pay. You can then add your Mastercard to your mobile Wallet. How To Use: 1. Follow the text prompts to download Mobile Pay, access your Mastercard and choose to save it to your card wallet. 2. Open your card wallet or the Mobile Pay app to access the card. 3. For in-store purchases at participating merchants follow the prompts to use the “Tap and Go” facility. 4. For online purchases, open the Mobile Pay app and tap the card image to find your card number, expiry and CVC to enter at checkout. 5. Open the Mobile Pay app to view transaction history, expiry and card details. Happy shopping!
Vault Payments
Manage and utilize prepaid Mastercards with ease. This application allows for quick and secure access to your prepaid cards, with the ability to add them directly to your Apple Wallet.
- Utilize prepaid Mastercards
- Add to Apple Wallet
- Quick access
- Easy management
- Secure transactions
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The Vault app enables you to quickly, easily and securely utilise prepaid Mastercards and add to wallet on your Apple devices.
Screenshots
Verdict
The clearest difference is rating: Mobile Pay at 5.0 against Vault Payments's 3.0. Mobile Pay also leads on iOS requirement (11.0 vs 16.0). On price, review sentiment, ratings volume and update cadence 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.
Mobile Pay holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 1 and 2 respectively. Written reviews complicate that: 19% of Mobile Pay's written reviews are positive against 25% of Vault Payments's, so the app with the better star average is not the one people write more warmly about.
Mobile Pay ships an update monthly, Vault Payments every 3 weeks. The most recent releases landed on October 16, 2026 and October 24, 2026 respectively.
| Parameter | Mobile Pay | Vault Payments |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 19.2% of reviews | 25.0% of reviews — better |
| Number of ratings | 1 | 2 — better |
| Update frequency | Monthly | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 11.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 34 MB | 57 MB |
| Age rating | 4+ | 17+ |
| Developer | Edge Loyalty Systems Pty Ltd | Vault Payment Solutions Group Pty Ltd |
Customer experience
Mobile Pay
Vault Payments
In-app purchases
Mobile Pay
No in-app purchases
Vault Payments
No in-app purchases
Questions
Is Mobile Pay free?
Is Vault Payments free?
Which has better reviews, Mobile Pay or Vault Payments?
Do Mobile Pay or Vault Payments have ads?
Which is updated more often, Mobile Pay or Vault Payments?
Other comparisons
