MTN MoMo vs Secured pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MTN MoMo
Easily send money to friends and family, top up airtime, and purchase bundles. This app also allows you to pay bills and merchants, offering a comprehensive solution for managing your finances and tracking your money.
- Send money to friends and family
- Top up airtime
- Purchase bundles
- Pay bills
- Pay merchants
- Manage money
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Welcome to the world of MoMo. With MoMo you can send money to friends & family, topup airtime, purchase bundles, pay your bills, merchants and much more. It's a one-stop shop for everything you need. MoMo makes it easy to keep track of your money. You can use MoMo services to manage your money..
Secured pay
This platform simplifies and secures international money transfers for individuals and businesses. It offers features like escrow protection, transaction tracking, and receiver confirmation to enhance trust and transparency in global commerce.
- Cross-border transactions
- Escrow protection
- Receiver confirmation
- Transaction tracking
- KYC verification
- Fraud prevention
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Secured Pay is a fintech platform designed to simplify and secure cross-border transactions for individuals, SMEs, and importers. The platform enables users to send, receive, and manage international payments efficiently while reducing the risks commonly associated with global trade and money transfers. Secured Pay provides secure international payment solutions with features such as escrow protection, receiver confirmation, and transaction tracking to improve trust and transparency in cross-border commerce. The built-in escrow system helps protect both buyers and sellers by securely holding funds until transaction conditions are fulfilled. Receiver confirmation through SMS, email, or messaging channels adds an extra layer of verification before payments are finalized. The platform is designed with strong compliance and security standards, including KYC verification, fraud prevention measures, and advanced account protection systems. Secured Pay offers a simple and user-friendly experience for businesses and individuals managing international supplier payments, remittances, and global business transactions.
Screenshots
Verdict
The clearest difference is rating: Secured pay at 5.0 against MTN MoMo's 3.1. Secured pay also leads on update cadence (fortnightly vs every 4 months). MTN MoMo's advantage is ratings volume (572 vs 1) and device support (3 vs 1). On price, ads, in-app purchases and monetization model 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.
Secured pay holds the better App Store score, 5.0 against 3.1. That said, the two scores are not equally well evidenced: MTN MoMo has 572 ratings behind it against 1, so its average is the more settled of the two.
MTN MoMo ships an update every 4 months, Secured pay fortnightly. The most recent releases landed on September 23, 2026 and September 14, 2026 respectively.
| Parameter | MTN MoMo | Secured pay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.1 (572 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 7.7% of reviews | — |
| Number of ratings | 572 — better | 1 |
| Update frequency | Every 4 months | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 10.0 — better | 16.6 |
| Further details — not scored | ||
| Size | 21 MB | 67 MB |
| Age rating | 4+ | 17+ |
| Developer | MTN | SECURED PAY LTD |
Customer experience
MTN MoMo
Secured pay
Bugs and requests
MTN MoMo
Reported bugs
5 issues- App not working on iOS 16
- Incorrect pin errors
- Unable to log in or register
- Fails to send OTP codes
- Deducts money without completing transactions
Requested features
5 requests- Add ability to cancel scheduled transfers
- Expand bank integration for transfers
- Improve security with biometric login
- Allow usage on WiFi networks
- Reduce transaction fees
Secured pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MTN MoMo
No in-app purchases
Secured pay
No in-app purchases







