Comparison

MTN MoMo vs Secured pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Send money to friends and family
  • Top up airtime
  • Purchase bundles
  • Pay bills
  • Pay merchants
  • Manage money
Features
Read full description

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..

About

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.

Highlights
  • Cross-border transactions
  • Escrow protection
  • Receiver confirmation
  • Transaction tracking
  • KYC verification
  • Fraud prevention
Features
Read full description

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

MTN MoMo4 screens
Secured pay4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard5 real differences · 5 level
MTN MoMo versus Secured pay: the parameters behind the verdict, then further details
ParameterMTN MoMoSecured pay
PriceFreeFree
Rating3.1 (572 ratings)5.0 (1 ratings) — better
Positive reviews7.7% of reviews—
Number of ratings572 — better1
Update frequencyEvery 4 monthsFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS10.0 — better16.6
Further details — not scored
Size21 MB67 MB
Age rating4+17+
DeveloperMTNSECURED PAY LTD

Customer experience

MTN MoMo

All ratings572 ratings
Positive47.6%
Neutral9.4%
Negative43.0%
Written reviews142 reviews
Positive7.7%
Neutral7.7%
Negative84.5%

Secured pay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

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

None

MTN MoMo

No in-app purchases

None

Secured pay

No in-app purchases

Questions

Is MTN MoMo free?
MTN MoMo is free to download, with no in-app purchases.
Is Secured pay free?
Secured pay is free to download, with no in-app purchases.
Which has better reviews, MTN MoMo or Secured pay?
Secured pay is rated higher. MTN MoMo averages 3.1 out of 5 from 572 ratings, while Secured pay averages 5.0 from 1 ratings.
Do MTN MoMo or Secured pay have ads?
Neither MTN MoMo nor Secured pay shows ads.
Which is updated more often, MTN MoMo or Secured pay?
MTN MoMo ships an update every 4 months, and Secured pay fortnightly. Most recently, MTN MoMo was updated on September 23, 2026 and Secured pay on September 14, 2026.

Other comparisons