# Mandalay Smart Pay vs MTB Pay

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.

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.

## The numbers

| Metric | Mandalay Smart Pay | MTB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (110 ratings)](https://appshunter.io/ios/app/mandalay-smart-pay/id1504195511/reviews) | **[4.9 (10 ratings)](https://appshunter.io/ios/app/mtb-pay/id6470009961/reviews)** |
| Number of ratings | **110** | 10 |
| Positive reviews | 80.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 4 months |
| Monetization | Free | Free |
| Size | 109 MB | 74 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [INNOVIX SOLUTIONS CO., LTD](https://appshunter.io/developer/1843007179) | [MYANMA TOURISM BANK PUBLIC COMPANY LIMITED](https://appshunter.io/developer/1610470566) |

## What reviewers say

### Mandalay Smart Pay

[App page](https://appshunter.io/ios/app/mandalay-smart-pay/id1504195511)

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:** Vision Pro support

**In-app purchases:** none


### MTB Pay

[App page](https://appshunter.io/ios/app/mtb-pay/id6470009961)

Access financial services directly from your smartphone, 24/7. Perform seamless money transfers, top-ups, bill payments, and merchant transactions without banking hour limitations.

**Highlights:** Seamless Money Transfers, Top Up, Bill Payment, Cash In/ Cash Out, Merchant Payments

**In-app purchases:** none


## Frequently asked questions

### Is Mandalay Smart Pay free?

Mandalay Smart Pay is free to download, with no in-app purchases.

### Is MTB Pay free?

MTB Pay is free to download, with no in-app purchases.

### Which has better reviews, Mandalay Smart Pay or MTB Pay?

MTB Pay is rated higher. Mandalay Smart Pay averages 4.3 out of 5 from 110 ratings, while MTB Pay averages 4.9 from 10 ratings.

### Do Mandalay Smart Pay or MTB Pay have ads?

Neither Mandalay Smart Pay nor MTB Pay shows ads.

### Which is updated more often, Mandalay Smart Pay or MTB Pay?

Mandalay Smart Pay ships an update every 3 months, and MTB Pay every 4 months. Most recently, Mandalay Smart Pay was updated on November 3, 2026 and MTB Pay on November 3, 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.*