365P@y Merchant vs IB CAP
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
365P@y Merchant
Read full descriptionHide full description
365P@y Merchant is an e-banking application which allows customers to make transactions at any time and any place with merchant. This app is compatible with almost every smart device such as smart Phones, tablets…which are connected to 3G/WIFI/GPRS. Developed by Sacombank Lao. Service: • Can make QR code by myself • Transition managementd
IB CAP
Manage corporate banking transactions securely from anywhere. Review account balances, transfer funds, pay bills, and recharge mobile services. Supports multiple users and company subsidiaries.
- Account management
- Fund transfers
- Bill payments
- Mobile recharge
- Payroll uploads
- Multi-user support
Read full descriptionHide full description
IB CAP is a Corporate Banking for companies subsidiary companies with multiple users. could be a multi-national group of companies with several subsidiary companies with multiple users. Say "IB CAP" to Corporate financial transactions on your hand from anywhere and any time plus security in place. Services: Login • via Username and Password • via SMS OTP Manage Your Bank Accounts and Finances • Review activity and balances in checking, savings, current, loan, deposit, and Debit card accounts. • Transfer history, Three month Transfer, view statement. Fund Transfer • Securely send and receive money To own or other IB Accounts. • Can Fund Transfer to another Bank. Bill Pay • Electricity, Water, Telco, Aeon, Insurance • Payment History. Mobile Pay • Recharge your prepaid/postpaid mobile. • Payment History. Payment Upload • can be uploaded multi-account for Fund transfer. Payroll Upload • can be uploaded multi-account for Salary. Settings • Set Profile picture • Change App Login Password
Screenshots
Verdict
The clearest difference is update cadence: IB CAP at every 3 months against 365P@y Merchant's every 6 months. On price, ads, 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.
365P@y Merchant ships an update every 6 months, IB CAP every 3 months. The most recent releases landed on October 13, 2026 and October 16, 2026 respectively.
| Parameter | 365P@y Merchant | IB CAP |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Number of ratings | — | 1 — better |
| Update frequency | Every 6 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 21 MB | 64 MB |
| Age rating | 4+ | 17+ |
| Developer | SAIGON TREASURE COMMERCIAL JOINT STOCK BANK | Indochina Bank Ltd. |
In-app purchases
365P@y Merchant
No in-app purchases
IB CAP
No in-app purchases
