# MotionPay vs Raya

The clearest difference is rating: Raya at 5.0 against MotionPay's 4.0. MotionPay's advantage is ratings volume (4 vs 1) and iOS requirement (13.0 vs 16.6). On price, update cadence, 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.

Raya holds the better App Store score, 5.0 against 4.0. Both are backed by a comparable volume of ratings — 4 and 1 respectively.

MotionPay ships an update monthly, Raya every 5 weeks. Both last shipped on November 3, 2026.

## The numbers

| Metric | MotionPay | Raya |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (4 ratings)](https://appshunter.io/ios/app/motionpay/id1485001093/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/raya-digital-bank/id1627393834/reviews)** |
| Number of ratings | **4** | 1 |
| Positive reviews | 64.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 420 MB | 200 MB |
| Requires iOS | **13.0** | 16.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [MNC Teknologi Nusantara, PT.](https://appshunter.io/developer/1485001092) | [PT. Bank Raya Indonesia, Tbk.](https://appshunter.io/developer/1332952507) |

## What reviewers say

### MotionPay

[App page](https://appshunter.io/ios/app/motionpay/id1485001093)

This electronic money app facilitates cashless transactions across Indonesia using QRIS. It allows for bill payments, digital product purchases, and money transfers to other accounts and bank accounts nationwide.

**Highlights:** Cashless transactions via QRIS, Bill and digital product payments, Money transfers to accounts and banks, Store Visa/Mastercard debit/credit cards, Pay PLN, water, and telecom bills, Purchase phone credit and game vouchers

**Features:** Vision Pro support

**In-app purchases:** none


### Raya

[App page](https://appshunter.io/ios/app/raya-digital-bank/id1627393834)

Manage personal and business finances easily with a digital bank account. Open an account in minutes with no initial deposit or monthly fees. Features include budgeting tools, savings goals, and loans up to Rp25 million.

**Highlights:** Open account in 4 minutes, No monthly admin fees, No minimum balance, Budgeting and savings tools, Personal and business finance separation, Loans up to Rp25 million, Cash deposit at BRI locations

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is MotionPay free?

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

### Is Raya free?

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

### Which has better reviews, MotionPay or Raya?

Raya is rated higher. MotionPay averages 4.0 out of 5 from 4 ratings, while Raya averages 5.0 from 1 ratings.

### Do MotionPay or Raya have ads?

Neither MotionPay nor Raya shows ads.

### Which is updated more often, MotionPay or Raya?

MotionPay ships an update monthly, and Raya every 5 weeks. Most recently, MotionPay was updated on November 3, 2026 and Raya on November 3, 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.*