Modapago | Smart Payments vs MODO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Modapago | Smart Payments
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Gestioná tus pedidos, realiza pagos con tu saldo vía transferencia o con qr y paga tus servicios.
MODO
Simplify your daily life by connecting bank accounts and cards. Pay with QR or contactless, discover instant benefits and discounts, and access various services like recharges and gift cards. Transfer money easily to contacts without needing their bank details.
- Connect bank accounts and cards
- QR and contactless payments
- Discover instant discounts and benefits
- Recharge services (SUBE, mobile, etc.)
- Send money to contacts without CBU/alias
- View all account balances
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MODO es la app que simplifica tu día a día: conectá tus cuentas y tarjetas bancarias, elegí cómo pagar y aprovechá beneficios al instante. ¿Qué podés hacer con MODO? - Pagá Usá QR o contactless en comercios físicos, tiendas online y transporte. - Aprovechá beneficios Explorá la sección de Promos y descubrí descuentos de tus bancos, tarjetas y comercios: – Al pagar, te mostramos qué medio tiene promo – ¡Disfrutá reintegros super rápidos! - MODO + Aprovechá productos y servicios para tu día a día: – Recargá SUBE, celular, DIRECTV y Telecentro – Regalá gift cards de PlayStation – Contratá Sony One y Pax Assistance – Comprá pasajes con Plataforma 10 – Doná a organizaciones solidarias - Transferí Transferí directo al banco de tus contactos del celular, ¡sin pedir CBU ni alias! También podés enviar dinero a una cuenta propia. - ¡Y más! Asociá tus cuentas y tarjetas bancarias en una sola app. Podés consultar todos tus saldos en vivo. - Tené en cuenta: – Para pagar con MODO, usás las cuentas y tarjetas de tus bancos. Conocé los bancos adheridos: www.modo.com.ar/bancos – MODO es gratis, no cobramos comisiones por tus transacciones. – Tu seguridad es nuestra prioridad. Nunca te vamos a pedir dinero ni datos confidenciales. - Tus bancos en MODO: – Banco Nación - Santander - Galicia - BBVA - Macro - Patagonia - Credicoop - ICBC - Supervielle - BANCOR - Sanco Santa Fe - Ciudad - Hipotecario - Banco Entre Rios - Banco Corrientes - Banco San Juan - BPN - Banco Santa Cruz - Brubank - Naranja X - Banco Piano - Banco Columbia - Comafi - Buepp - YOY - Banco del Sol - Banco Meridian - Banco Bica - Municipal de Rosario - Reba - Banco Roela - BSE - Banco del Chubut - Banco Dino - Mariva - Banco Coinag Más información en modo.com.ar Dirección: Av. del Libertador 7208, Piso 3, Oficina 3.1., C.A.B.A.
Screenshots
Verdict
The clearest difference is ads: Modapago | Smart Payments at none against MODO's shown. Modapago | Smart Payments also leads on iOS requirement (13.0 vs 16.0). On price, update cadence, in-app purchases and device support 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.
Modapago | Smart Payments ships an update every 5 days, MODO weekly. The most recent releases landed on October 3, 2026 and October 12, 2026 respectively.
| Parameter | Modapago | Smart Payments | MODO |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (1.3K ratings) — better |
| Positive reviews | — | 27.9% of reviews |
| Number of ratings | — | 1.3K — better |
| Update frequency | Every 5 days — better | Weekly |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 22 MB | 200 MB |
| Age rating | 4+ | 12+ |
| Developer | SMART PAYMENTS SA | Play Digital SA |
Bugs and requests
Modapago | Smart Payments
Not enough reviews yet to summarise bugs or requests.
MODO
Reported bugs
3 issues- Login and registration failures
- Inability to transfer funds or make payments
- Glitches with QR code scanning
Requested features
3 requests- Add NFC payment support
- Improve notification settings
- Streamline account management and linking
In-app purchases
Modapago | Smart Payments
No in-app purchases
MODO
No in-app purchases
