# 365P@y Merchant vs IB CAP

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.

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.

## The numbers

| Metric | 365P@y Merchant | IB CAP |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/ib-cap/id6465068853/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 3 months** |
| Monetization | — | Free |
| Size | 21 MB | 64 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [SAIGON TREASURE COMMERCIAL JOINT STOCK BANK](https://appshunter.io/developer/860668140) | [Indochina Bank Ltd.](https://appshunter.io/developer/1538710458) |

## What reviewers say

### 365P@y Merchant

[App page](https://appshunter.io/ios/app/365py-merchant/id1488727567)

**Features:** macOS Compatibility

**In-app purchases:** none


### IB CAP

[App page](https://appshunter.io/ios/app/ib-cap/id6465068853)

Manage corporate banking transactions securely from anywhere. Review account balances, transfer funds, pay bills, and recharge mobile services. Supports multiple users and company subsidiaries.

**Highlights:** Account management, Fund transfers, Bill payments, Mobile recharge, Payroll uploads, Multi-user support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 365P@y Merchant free?

365P@y Merchant is free to download, with no in-app purchases.

### Is IB CAP free?

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

### Do 365P@y Merchant or IB CAP have ads?

Neither 365P@y Merchant nor IB CAP shows ads.

### Which is updated more often, 365P@y Merchant or IB CAP?

365P@y Merchant ships an update every 6 months, and IB CAP every 3 months. Most recently, 365P@y Merchant was updated on October 13, 2026 and IB CAP on October 16, 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.*