Comparison

Mandalay Smart Pay vs SGH Plus

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

Mandalay Smart Pay4 screens
SGH Plus4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Mandalay Smart Pay ships an update every 3 months, SGH Plus every 5 months. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
Mandalay Smart Pay versus SGH Plus: the parameters behind the verdict, then further details
ParameterMandalay Smart PaySGH Plus
PriceFreeFree
Rating4.3 (110 ratings) — better2.0 (4 ratings)
Positive reviews80.0% of reviews — better0.0% of reviews
Number of ratings110 — better4
Update frequencyEvery 3 months — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.612.4 — better
Further details — not scored
Size109 MB36 MB
Age rating4+17+
DeveloperINNOVIX SOLUTIONS CO., LTDUAB Bank Limited

Customer experience

Mandalay Smart Pay

All ratings110 ratings
Positive80.9%
Neutral7.3%
Negative11.8%
Written reviews5 reviews
Positive80.0%
Neutral0.0%
Negative20.0%

SGH Plus

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Mandalay Smart Pay

No in-app purchases

None

SGH Plus

No in-app purchases

Questions

Is Mandalay Smart Pay free?
Mandalay Smart Pay is free to download, with no in-app purchases.
Is SGH Plus free?
SGH Plus is free to download, with no in-app purchases.
Which has better reviews, Mandalay Smart Pay or SGH Plus?
Mandalay Smart Pay is rated higher. Mandalay Smart Pay averages 4.3 out of 5 from 110 ratings, while SGH Plus averages 2.0 from 4 ratings.
Do Mandalay Smart Pay or SGH Plus have ads?
Neither Mandalay Smart Pay nor SGH Plus shows ads.
Which is updated more often, Mandalay Smart Pay or SGH Plus?
Mandalay Smart Pay ships an update every 3 months, and SGH Plus every 5 months. Most recently, Mandalay Smart Pay was updated on November 3, 2026 and SGH Plus on November 3, 2026.

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