Instapay eWallet vs Barnacle Subscriptions

Instapay offers you the convenience of a digital account through a simple and smartly designed mobile app and a linked global Mastercard. You need to sign-up with Instapay to use Instapay's digital account. Instapay eWallet Account with linked Mastercard can be used for: Receiving Salary Cross Border Remittance Load Money from Bank Account Withdraw cash from ATM Make purchases globally at Mastercard Merchants or online Top-up Mobile - Domestic or International P2P Money Transfer Scan QR and Pay Merchant All transactions are categorized and recorded in the passbook for viewing Instapay is a financial institution regulated by Bank Negara Malaysia with the latest security protocols including fingerprint and facial recognition to verify your identity. Every financial transaction is authenticated by a transaction PIN – mPIN for app and ATM card PIN for Mastercard.

Barnacle tells you what your subscriptions cost each month, and warns you before the next charge lands. Add what you pay for. Barnacle adds it up, sorts it by what charges next, and reminds you a few days ahead so a renewal never arrives as a surprise. Typing a name fills in the usual price from a catalogue of 243 services. Nothing leaves your phone. No account, no sign-in, no servers. Your subscriptions live in a database on this device and are never uploaded. There is no analytics package and no crash reporting, so there is nothing to opt out of. What you get: Every subscription in one monthly figure, with the next charge on top Reminders before a renewal, and before a free trial converts A record of what you were actually charged, kept even after you cancel Where the money goes, by category and by person Price rises, so you can see what quietly went up Encrypted backup you can move between phones Face ID lock Barnacle tracks five subscriptions free. The unlock is paid once, not a subscription, and removes the limit. A note on cancelling: Barnacle records that you cancelled, it cannot cancel for you. No app can. It links you to the company's own cancellation page and says plainly that they keep charging until you tell them otherwise.