# NCB mPos vs Payemm

The clearest difference is rating: Payemm at 5.0 against NCB mPos's 3.0. Payemm also leads on update cadence (every 2 weeks vs every 4 months). NCB mPos's advantage is iOS requirement (9.0 vs 15.0). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Payemm holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

NCB mPos ships an update every 4 months, Payemm every 2 weeks. The most recent releases landed on September 9, 2026 and September 4, 2026 respectively.

## The numbers

| Metric | NCB mPos | Payemm |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/ncb-mpos/id1454657592/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payemm/id6768655681/reviews)** |
| Number of ratings | **2** | 1 |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 41 MB | 112 MB |
| Requires iOS | **9.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [National Commercial Bank Jamaica Limited](https://appshunter.io/developer/1210195300) | [Payemm Limited](https://appshunter.io/developer/1690624747) |

## What reviewers say

### NCB mPos

[App page](https://appshunter.io/ios/app/ncb-mpos/id1454657592)

This payment processing app enables merchants to accept card payments directly on their iPhone. It supports major card networks and provides electronic receipts for customers. Merchants can also access a web dashboard for real-time sales data analysis.

**Highlights:** Accepts Visa, MasterCard, and Multilink Debit Cards, Sends electronic receipts via email or text, Fully encrypted card reader data, Real-time sales reporting, Web dashboard for sales data analysis

**Features:** macOS Compatibility

**In-app purchases:** none


### Payemm

[App page](https://appshunter.io/ios/app/payemm/id6768655681)

Manage everyday spending, from groceries to online shopping, by splitting costs into four easy fortnightly payments. Earn rewards and cashback for making payments on time or early, building better financial habits.

**Highlights:** Split payments into 4 fortnightly installments, Manage groceries, top-ups, and online shopping, Earn rewards and cashback for timely payments, Unlock benefits and bigger opportunities, Transparent payment schedules and terms, Secure transactions

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

**In-app purchases:** none


## Frequently asked questions

### Is NCB mPos free?

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

### Is Payemm free?

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

### Which has better reviews, NCB mPos or Payemm?

Payemm is rated higher. NCB mPos averages 3.0 out of 5 from 2 ratings, while Payemm averages 5.0 from 1 ratings.

### Do NCB mPos or Payemm have ads?

Neither NCB mPos nor Payemm shows ads.

### Which is updated more often, NCB mPos or Payemm?

NCB mPos ships an update every 4 months, and Payemm every 2 weeks. Most recently, NCB mPos was updated on September 9, 2026 and Payemm on September 4, 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.*