Emma Pay vs Clave Virtual
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Emma Pay
This application provides users with credit lines for easy and secure purchases. It simplifies the process of buying goods with available credit.
- Credit lines for purchases
- Easy buying process
- Secure transactions
- Mobile purchasing
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Somos una aplicación que ofrece líneas de crédito a sus clientes para que puedan comprar con ella de forma re-fácil y re-segura.
Clave Virtual
This mobile application enables users to securely authorize transactions made through digital channels of the Banco de Costa Rica. It provides a safe method for verifying financial activities conducted online.
- Secure transaction authorization
- Digital channel integration
- Mobile device compatibility
- Banco de Costa Rica services
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BCR Clave Virtual es una aplicación para dispositivos móviles, que permite al usuario autorizar de una forma segura transacciones realizadas en canales digitales del Banco de Costa Rica.
Screenshots
Verdict
The clearest difference is rating: Emma Pay at 4.9 against Clave Virtual's 1.5. Emma Pay also leads on update cadence (monthly vs every 5 months). Clave Virtual's advantage is device support (3 vs 1) and iOS requirement (11.0 vs 16.4). On price, ratings volume, ads 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.
Emma Pay holds the better App Store score, 4.9 against 1.5. Both are backed by a comparable volume of ratings — 36 and 15 respectively.
Emma Pay ships an update monthly, Clave Virtual every 5 months. The most recent releases landed on September 17, 2026 and August 10, 2026 respectively.
| Parameter | Emma Pay | Clave Virtual |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (36 ratings) — better | 1.5 (15 ratings) |
| Positive reviews | — | 20.0% of reviews |
| Number of ratings | 36 — better | 15 |
| Update frequency | Monthly — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.4 | 11.0 — better |
| Further details — not scored | ||
| Size | 64 MB | 28 MB |
| Age rating | 4+ | 4+ |
| Developer | Union Comercial De Costa Rica Unicomer | Banco de Costa Rica |
Customer experience
Emma Pay
Clave Virtual
In-app purchases
Emma Pay
No in-app purchases
Clave Virtual
No in-app purchases
