Pay with ME vs ElsterSecure
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Pay with ME
Make fast, secure payments directly from your iPhone without registration. Simply scan a QR code or tap your device to pay for goods and services at thousands of locations using your preferred payment method.
- Contactless payments
- QR code scanning
- NFC tap-to-pay
- Multiple payment methods
- Transaction history
- Optional tipping
- Automatic coupon application
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Pay with ME – Simple mobile payments with iPhone Fast. Secure. No registration. With Pay with ME, pay anywhere with your iPhone—no cash, no app registration, no waiting. Simply scan the QR code or tap your smartphone, enter or confirm the amount, and pay using your preferred payment method. How it works at a vending machine: 1. Scan the QR code / tap your iPhone 2. Select product 3. Choose payment method in the app and confirm payment Done! No registration, no app logins—just pay. Accepted at over 10,000 locations: Find Pay with ME payment acceptance at: • Snack, beverage & coffee vending machines • E-charging stations • Shops, restaurants & cafés • Taxis • Snack boxes • Self-service car washes or car vacuums • Market stalls Look for the Pay with ME logo—and pay in seconds. Payment methods you love: Choose from a variety of payment methods: • Apple Pay, PayPal, TWINT • Mastercard, Visa, American Express, Diners/Discover • Pay by Bank • "Charge to your mobile phone bill" All payments are encrypted and secure. More than just payment: • Add a tip: Optionally add 5%, 10%, or 20% tip. • Transaction overview: Keep track of all payments—directly in the app. • Coupons: Available discounts are shown during payment and applied automatically. Your data belongs to you: No registration. No storage of personal data. Pay with ME is anonymous, GDPR-compliant, and encrypted. Support & Contact: Have questions or feedback? Write to us at hallo@ziib.de—we look forward to your message! Pay with ME – because paying is very personal.
ElsterSecure
This app simplifies logging into your tax account by using your smartphone for authentication. Once set up, you won't need certificate files or usernames for access. It's designed for secure and convenient tax-related logins.
- Smartphone-based authentication
- Eliminates need for certificate files
- Simplifies tax account logins
- QR code scanning for setup
- Secure user account management
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ElsterSecure ist die neue Authentisierungs-App von ELSTER. Einmal eingerichtet, benötigen Sie für Ihren Login nur noch Ihr Smartphone. Eine Zertifikatsdatei oder einen Nutzernamen benötigen Sie nach erstmaliger Einrichtung nicht mehr. So richten Sie ElsterSecure ein: 1. Loggen Sie sich wie bisher gewohnt in MeinElster ein. 2. Gehen Sie zu "Mein Benutzerkonto" > "ElsterSecure": https://www.elster.de/eportal/meinKonto/elstersecure 3. Unter "Login-Option ElsterSecure hinzufügen" können Sie die App mit Ihrem MeinElster-Konto verknüpfen Wenn Sie noch kein MeinElster Konto besitzen, können Sie sich unter www.elster.de registrieren und ElsterSecure als Login-Option wählen. Derzeit ist eine Authentisierung mittels ElsterSecure nur für den Login in MeinElster möglich. Eine Übermittlung durch Drittanbieter von Steuersoftware wird noch nicht unterstützt, hierfür benötigen Sie weiterhin ein Zertifikat. ElsterSecure benötigt folgende Berechtigungen: - Zugriff auf die Kamera(s) des Geräts: Diese Berechtigung wird für das Scannen des QR-Codes benötigt. Datenschutzhinweis: https://www.elster.de/eportal/infoseite/elstersecure
Screenshots
Verdict
The clearest difference is rating: ElsterSecure at 4.7 against Pay with ME's 3.9. ElsterSecure also leads on review sentiment (84% vs 67%) and ratings volume (131 vs 7). Pay with ME's advantage is update cadence (every 5 weeks vs every 4 months). 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.
ElsterSecure holds the better App Store score, 4.7 against 3.9. That said, the two scores are not equally well evidenced: ElsterSecure has 131 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 67% of Pay with ME's written reviews are positive against 84% of ElsterSecure's.
Pay with ME ships an update every 5 weeks, ElsterSecure every 4 months. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.
| Parameter | Pay with ME | ElsterSecure |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (7 ratings) | 4.7 (131 ratings) — better |
| Positive reviews | 67.3% of reviews | 84.0% of reviews — better |
| Number of ratings | 7 | 131 — better |
| Update frequency | Every 5 weeks — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 25 MB | 49 MB |
| Age rating | 4+ | 4+ |
| Developer | ZIIB Zahlungssysteme GmbH | Bayerisches Landesamt fuer Steuern |
Customer experience
Pay with ME
ElsterSecure
In-app purchases
Pay with ME
No in-app purchases
ElsterSecure
No in-app purchases
