# Mobile Pay vs Vault Payments

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.

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.

## The numbers

| Metric | Mobile Pay | Vault Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/mobile-pay/id1447322394/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/vault-payments/id1466020462/reviews) |
| Number of ratings | 1 | **2** |
| Positive reviews | 19.2% of reviews | **25.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 34 MB | 57 MB |
| Requires iOS | **11.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Edge Loyalty Systems Pty Ltd](https://appshunter.io/developer/842358905) | [Vault Payment Solutions Group Pty Ltd](https://appshunter.io/developer/1466020461) |

## What reviewers say

### Mobile Pay

[App page](https://appshunter.io/ios/app/mobile-pay/id1447322394)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Vault Payments

[App page](https://appshunter.io/ios/app/vault-payments/id1466020462)

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.

**Highlights:** Utilize prepaid Mastercards, Add to Apple Wallet, Quick access, Easy management, Secure transactions

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Mobile Pay free?

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

### Is Vault Payments free?

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

### Which has better reviews, Mobile Pay or Vault Payments?

Mobile Pay is rated higher. Mobile Pay averages 5.0 out of 5 from 1 ratings, while Vault Payments averages 3.0 from 2 ratings.

### Do Mobile Pay or Vault Payments have ads?

Neither Mobile Pay nor Vault Payments shows ads.

### Which is updated more often, Mobile Pay or Vault Payments?

Mobile Pay ships an update monthly, and Vault Payments every 3 weeks. Most recently, Mobile Pay was updated on October 16, 2026 and Vault Payments on October 24, 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.*