Mandalay Smart Pay vs SGH Plus
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Mandalay Smart Pay
This app offers a convenient mobile solution for shopping, bill payments, and fund transfers. It allows users to pay via QR codes, send money to contacts, top up mobile balances, and cash out at agents. Users can also verify transactions and receive instant rewards.
- QR code payments for shopping
- Bill payment for services
- Money transfer to contacts
- Mobile balance top-up
- Cash withdrawal at agents
- Transaction verification
- Instant cash rewards
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MSP The smart way to shop, pay and transfer funds. Experience the convenience of shopping, dining, bill payments and so much more with your mobile phone. MSP has more than 10 unique features including: Shop - Scan the seller's QR code or display your payment QR code to pay. Pay bills from government services or online purchases. Easily transfer money to your friends and family via QR code or mobile number. Allow others to scan your QR code to receive money in your mobile wallet. Top-up your mobile balance and purchase mobile prepaid PIN using the eLoad function. Add Money to your wallets via MPU card or 1-2-3 service. Cash-out - withdraw cash at agents and banks nationwide. Verify the authenticity of a transaction by scanning ‘Verify QR code’ on the transaction slip. Enjoy instant cash rewards for every mobile eLoad transaction. Check transaction history; live chat with our customer service officers 24/7 using the chat feature in the app.
SGH Plus
This app integrates financial services with a retail chain, offering a seamless shopping experience. Users can manage everyday essentials, make payments, and access exclusive loyalty benefits through a secure and convenient platform.
- Seamless financial and retail integration
- Secure registration with two-factor authentication
- Convenient mobile top-up and bill payments
- Scan and pay functionality
- Online shopping at SGH
- Membership card access
- Payment history tracking
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SGH+ is a revolutionary shopping application that brings you to “Experience the Difference” powered by uab Fintech. In collaboration with uab Fintech - the powerful in-house innovation lab of Myanmar’s Best Bank, uab bank, and Sein Gay Har, one of Myanmar’s premier independent retailers known the very first retail group in Yangon, aims to bring you an unmatched shopping experience by seamlessly integrating financial services and retail chain, along with exclusive loyalty program benefits. With SGH+, registration is quick and easy. Enjoy the convenience of not only PINs but also two-factor authentication with OTP, ensuring the highest level of safety and security for your activities. With SGH+, you can conveniently access your everyday essentials with just a few taps on your phone, making everything faster and easier. As a member of SGH+, you'll enjoy exclusive benefits for all your transactions made on the platform. Experience the convenience of our top features: - Top-up - Bills Payment - Scan and Pay - Mobile Top-up - Shop at SGH Online - Membership Card - Payment History SGH+ provides you with a fast, simple, and secure way to access all your shopping and payment needs. Download the app now and “Experience the Difference” of future of retail chain and financial service in Myanmar.
Screenshots
Verdict
The clearest difference is review sentiment: Mandalay Smart Pay at 80% against SGH Plus's 0%. Mandalay Smart Pay also leads on rating (4.3 vs 2.0) and ratings volume (110 vs 4). SGH Plus's advantage is iOS requirement (12.4 vs 15.6). On price, update cadence, ads and in-app purchases 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.
Mandalay Smart Pay holds the better App Store score, 4.3 against 2.0. That said, the two scores are not equally well evidenced: Mandalay Smart Pay has 110 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 80% of Mandalay Smart Pay's written reviews are positive against 0% of SGH Plus's.
Mandalay Smart Pay ships an update every 3 months, SGH Plus every 5 months. Both last shipped on November 3, 2026.
| Parameter | Mandalay Smart Pay | SGH Plus |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (110 ratings) — better | 2.0 (4 ratings) |
| Positive reviews | 80.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 110 — better | 4 |
| Update frequency | Every 3 months — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 12.4 — better |
| Further details — not scored | ||
| Size | 109 MB | 36 MB |
| Age rating | 4+ | 17+ |
| Developer | INNOVIX SOLUTIONS CO., LTD | UAB Bank Limited |
Customer experience
Mandalay Smart Pay
SGH Plus
In-app purchases
Mandalay Smart Pay
No in-app purchases
SGH Plus
No in-app purchases









