Comparison

bm merchant vs Thawani Pay

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

Head to head
About

bm merchant

This digital wallet allows merchants to easily receive and request payments from consumers using mobile numbers, aliases, or QR codes. It simplifies transactions by enabling quick payment generation and initiation, with options for consumers to accept or reject requests.

Highlights
  • Receive payments via QR code
  • Request payments using mobile number or alias
  • Accept or reject payment requests
  • Share QR code for easy payments
  • Digital wallet functionality
Features
Read full description

BM merchant is a digital wallet that allows you to receive or request payments from consumers who are registered to any banks mobile payments services. An option of either using the consumer’s mobile number, alias, scanning yours or the consumers QR code is provided to make payments easier. Our features: Collect Payments-Allows you to receive payments from consumer by generating a QR code that will be scanned by the consumer with the bill amount already set. Initiate Payments-An option is also provided for you to request a payment from the consumer using their mobile number, alias, and scanning their QR, wherein the consumer has an option to accept or reject the payment. The merchant has an option to share their QR code to the consumer, which enables them to scan and make the payments through the application, anywhere.

About

Thawani Pay

This app offers a secure and convenient way to make and receive payments using your mobile phone. Merchants can easily accept payments via QR codes or mobile invoices, and integration options are available for existing billing systems.

Highlights
  • Mobile payment solutions
  • QR code payments
  • Mobile invoice generation
  • Integration with billing/ERP systems
  • Secure payment environment
  • Compliance with PCI-DSS and PA-DSS
Read full description

Thawani Pay is Oman’s leading fintech and the first non-bank payment service provider licensed by the Central Bank of Oman. We are also the first fintech in Oman to secure a Visa license to issue credit cards a national milestone. With Thawani Pay, you can manage your daily financial needs through a secure, intuitive, and fully digital experience: • Bill Payments – Pay utilities and services quickly and securely. • QR Pay / Merchant Payments – Make instant payments at partner merchants. • Send Money (Local Transfers) – Transfer funds seamlessly within Oman. • International Remittance – Send money abroad with ease. • Insurance – Access digital insurance services. • Microfinance – Manage microfinance solutions directly in-app. • Mojab Cards – Activate and use Mojab prepaid cards. • Thawani Store – Explore curated digital products. Enjoy a trusted, compliant, and user-friendly platform designed to simplify your financial journey.

Screenshots

bm merchant4 screens
Thawani Pay4 screens

Verdict

The call

The clearest difference is review sentiment: Thawani Pay at 44% against bm merchant's 0%. Thawani Pay also leads on update cadence (every 2 weeks vs every 4 months). bm merchant's advantage is iOS requirement (12.0 vs 15.6). 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.

UpkeepUpdate frequency

bm merchant ships an update every 4 months, Thawani Pay every 2 weeks. The most recent releases landed on October 17, 2026 and October 10, 2026 respectively.

Scorecard3 real differences · 7 level
bm merchant versus Thawani Pay: the parameters behind the verdict, then further details
Parameterbm merchantThawani Pay
PriceFreeFree
Rating—3.5 (43 ratings) — better
Positive reviews0.0% of reviews44.4% of reviews — better
Number of ratings—43 — better
Update frequencyEvery 4 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS12.0 — better15.6
Further details — not scored
Size7 MB149 MB
Age rating4+17+
DeveloperBankMuscatThawani Technologies LLC

Customer experience

bm merchant

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Thawani Pay

All ratings43 ratings
Positive62.8%
Neutral2.3%
Negative34.9%
Written reviews9 reviews
Positive44.4%
Neutral0.0%
Negative55.6%

In-app purchases

None

bm merchant

No in-app purchases

None

Thawani Pay

No in-app purchases

Questions

Is bm merchant free?
bm merchant is free to download, with no in-app purchases.
Is Thawani Pay free?
Thawani Pay is free to download, with no in-app purchases.
Do bm merchant or Thawani Pay have ads?
Neither bm merchant nor Thawani Pay shows ads.
Which is updated more often, bm merchant or Thawani Pay?
bm merchant ships an update every 4 months, and Thawani Pay every 2 weeks. Most recently, bm merchant was updated on October 17, 2026 and Thawani Pay on October 10, 2026.

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