# Emma Pay vs Clave Virtual

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.

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.

## The numbers

| Metric | Emma Pay | Clave Virtual |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (36 ratings)](https://appshunter.io/ios/app/emma-pay/id1455374257/reviews)** | [1.5 (15 ratings)](https://appshunter.io/ios/app/clave-virtual/id1485257123/reviews) |
| Number of ratings | **36** | 15 |
| Positive reviews | — | 20.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 months |
| Monetization | Free | Free |
| Size | 64 MB | 28 MB |
| Requires iOS | 16.4 | **11.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Union Comercial De Costa Rica Unicomer](https://appshunter.io/developer/897263091) | [Banco de Costa Rica](https://appshunter.io/developer/960764671) |

## What reviewers say

### Emma Pay

[App page](https://appshunter.io/ios/app/emma-pay/id1455374257)

This application provides users with credit lines for easy and secure purchases. It simplifies the process of buying goods with available credit.

**Highlights:** Credit lines for purchases, Easy buying process, Secure transactions, Mobile purchasing

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

**In-app purchases:** none


### Clave Virtual

[App page](https://appshunter.io/ios/app/clave-virtual/id1485257123)

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.

**Highlights:** Secure transaction authorization, Digital channel integration, Mobile device compatibility, Banco de Costa Rica services

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Emma Pay free?

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

### Is Clave Virtual free?

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

### Which has better reviews, Emma Pay or Clave Virtual?

Emma Pay is rated higher. Emma Pay averages 4.9 out of 5 from 36 ratings, while Clave Virtual averages 1.5 from 15 ratings.

### Do Emma Pay or Clave Virtual have ads?

Neither Emma Pay nor Clave Virtual shows ads.

### Which is updated more often, Emma Pay or Clave Virtual?

Emma Pay ships an update monthly, and Clave Virtual every 5 months. Most recently, Emma Pay was updated on September 17, 2026 and Clave Virtual on August 10, 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.*