Comparison

PayConfirm vs EmKap

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

Head to head
About

PayConfirm

Features
Read full description

PayConfirm app offers a full protection from the most common security threats in digital banking such as SIM swap fraud, phishing, bank account details replacement and other security threats. PayConfirm performs mobile transaction authentication signature (mTAS) to confirm any type of operations, including transactions or e-documents on-the-go. Advantages: • No more codes retyping from SMS, PUSH notifications and OTP generators; • Trusted service based on cryptography; • No deny of service in roaming and off-line modes; • Real-time notification right in a smartphone. • Protection from phishing, social engineering, data switching; • Device scoring and anomalies detection; • Device discredit protection; • SMS interception and SIM swap attack protection.

About

EmKap

Read full description

EmKap Mobile is the official app of EmKap Ltd, a Cyprus-based investment firm specializing in fixed-income securities and emerging markets. The app provides seamless access to your portfolio and trading functionalities, synchronized with the web platform. Easily manage your investments, create and modify orders, and stay updated with in-app notifications. Key Features: Secure login with 2FA. Log in with PIN code and biometry. View your portfolio in real-time. Create, modify, and cancel orders on the go. Access FAQs and support directly from the app. Stay informed with in-app notifications. Chat support and account management features. Experience a user-friendly platform designed to simplify portfolio and order management anytime, anywhere.

Screenshots

PayConfirm4 screens
EmKap4 screens

Verdict

The call

The clearest difference is update cadence: EmKap at every 3 weeks against PayConfirm's every 2 months. PayConfirm's advantage is device support (4 vs 2) and iOS requirement (13.0 vs 15.0). On price, ads and in-app purchases there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

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

UpkeepUpdate frequency

PayConfirm ships an update every 2 months, EmKap every 3 weeks. Both last shipped on October 4, 2026.

Scorecard3 real differences Ā· 3 level
PayConfirm versus EmKap: the parameters behind the verdict, then further details
ParameterPayConfirmEmKap
PriceFreeFree
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size25 MB38 MB
Age rating4+17+
DeveloperAirome TechnologiesMeritKapital Limited

In-app purchases

None

PayConfirm

No in-app purchases

None

EmKap

No in-app purchases

Questions

Is PayConfirm free?
PayConfirm is free to download, with no in-app purchases.
Is EmKap free?
EmKap is free to download, with no in-app purchases.
Do PayConfirm or EmKap have ads?
Neither PayConfirm nor EmKap shows ads.
Which is updated more often, PayConfirm or EmKap?
PayConfirm ships an update every 2 months, and EmKap every 3 weeks. Most recently, PayConfirm was updated on October 4, 2026 and EmKap on October 4, 2026.

Other comparisons