Mandalay Smart Pay vs MTB Pay
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.
MTB Pay
Access financial services directly from your smartphone, 24/7. Perform seamless money transfers, top-ups, bill payments, and merchant transactions without banking hour limitations.
- Seamless Money Transfers
- Top Up
- Bill Payment
- Cash In/ Cash Out
- Merchant Payments
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MTB Pay: MTB Pay, powered by Myanma Tourism Bank, offers users effortless access to financial services directly from their smartphones. Whether users prefer to link their bank accounts or operate independently, they can enjoy uninterrupted transactions, free from the constraints of banking hours, 24/7. Download MTB Pay now and experience the future of digital payments. Key Features: - Seamless Money Transfers - Top Up - Bill Payment - Cash In/ Cash Out - Merchant Payments
Screenshots
Verdict
The clearest difference is rating: MTB Pay at 4.9 against Mandalay Smart Pay's 4.3. MTB Pay also leads on review sentiment (100% vs 80%). Mandalay Smart Pay's advantage is ratings volume (110 vs 10). 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.
MTB Pay holds the better App Store score, 4.9 against 4.3. That said, the two scores are not equally well evidenced: Mandalay Smart Pay has 110 ratings behind it against 10, 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 100% of MTB Pay's.
Mandalay Smart Pay ships an update every 3 months, MTB Pay every 4 months. Both last shipped on November 3, 2026.
| Parameter | Mandalay Smart Pay | MTB Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (110 ratings) | 4.9 (10 ratings) — better |
| Positive reviews | 80.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 110 — better | 10 |
| Update frequency | Every 3 months — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 109 MB | 74 MB |
| Age rating | 4+ | 4+ |
| Developer | INNOVIX SOLUTIONS CO., LTD | MYANMA TOURISM BANK PUBLIC COMPANY LIMITED |
Customer experience
Mandalay Smart Pay
MTB Pay
In-app purchases
Mandalay Smart Pay
No in-app purchases
MTB Pay
No in-app purchases
