Comparison

TapIn Pay vs LM Pay

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

Head to head
About

TapIn Pay

This app simplifies sending, spending, and saving money in Canada. It offers a free custom Mastercard, a unique payment link for in-person and online collections, and flexible e-transfer limits. Receive instant transaction notifications for enhanced financial security.

Highlights
  • Free custom Mastercard
  • Unique payment link for collections
  • Online payment collection via chat
  • Flexible e-transfer limits
  • Instant transaction notifications
  • Excel statement export
Features
Read full description

TapIn Pay is the easiest way to send, spend and save your money in Canada. It's the SAFE, FAST, and FREE mobile banking* app. *TapIn Pay is a financial services company, not a bank. Banking services are provided by TapIn Pay's bank partner(s). * GET A FREE CUSTOM MASTERCARD * Order your Mastercard directly from TapIn Pay App. You'll be able to make online purchases using your virtual card instantly. We'll also mail you your physical laser-etched Cash Card in less than a week so you can swipe, dip, or tap at any merchant. MasterCard is issued by TapIn Pay App's bank partner(s). * GET YOUR UNIQUE PAYMENT LINK * Get a unique payment link after signing up to collect in-person payments. It supports a growing list of payment platforms: Apple Pay, Google Pay, WeChat Pay, Alipay, etc. Save the headache of setting payments platforms one by one. Say goodbye to clients who didn't have enough cash or are shy to ask for tips. * COLLECT PAYMENT ONLINE OVER CHATS * Are you tired of undelivered payment requests by email or lost checks by mail? Try to send a payment link over SMS or WhatsApp with guaranteed delivery. Recipients can pay you through the link with Apple Pay, Google Pay, Credit Card, Wechat Pay, and Alipay without signing up. * E-TRANSFER WITH FLEXIBLE LIMIT * Use the e-Transfer feature like your regular online banking, but with better daily limits. Banks give you tiny daily limits like $3,000. It’s not enough for your expanding business. Our maximum e-Transfer is $10,000 per transaction, boosting your money flow. * INSTANT NOTIFICATION FOR ALL TRANSACTION * Stay on top of all your transactions. We guard your financial security. We send an instant WhatsApp or SMS notification for all transaction attempts (payment collection, e-Transfer, and MasterCard use attempt). * EXCEL STATEMENT EXPORT* Exporting your statement to yourself or your account never got easier. Enter the email address and go. Receive it in seconds.

About

LM Pay

This mobile payment assistant simplifies transactions for goods and services, offering discounts across various scenarios like ride-hailing, dining, and travel. It also facilitates secure money transfers between users with 24/7 encryption and transaction tracking.

Highlights
  • Discounted payments for goods and services
  • Online and offline payment options
  • Send and request money between users
  • Multiple credit refill channels
  • Secure transaction tracking
  • VIP concierge services
Read full description

LM Pay brings you a new lifestyle. LM PAY App makes it easier to pay for goods and services with discounts in every scenario of your life. Whether it is ride-hailing, feasting, entertainments, traveling, booking a hotel or VIP concierge car, LM PAY would be your safe and convenient mobile payment assistant. You can send and request money amongst friends who are also LM PAY users!With 24/7 secure encryption technology, you can easily track every transaction and make payments with no worries. Key features: 1. Customer can make payment online and offline in various scenarios. 2. Customer can make online transfer and receive money. 3. Customer can have multiple channels to re-fill credit online and offline. 4. Customer can withdraw, settle payments.

Screenshots

TapIn Pay4 screens
LM Pay4 screens

Verdict

The call

The clearest difference is rating: LM Pay at 5.0 against TapIn Pay's 3.0. On price, ratings volume, update cadence and ads 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

LM Pay holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 2 respectively.

UpkeepUpdate frequency

TapIn Pay ships an update every 2 weeks, LM Pay every 3 weeks. Both last shipped on November 3, 2026.

Scorecard1 real difference · 9 level
TapIn Pay versus LM Pay: the parameters behind the verdict, then further details
ParameterTapIn PayLM Pay
PriceFreeFree
Rating3.0 (2 ratings)5.0 (2 ratings) — better
Positive reviews100.0% of reviews—
Number of ratings22
Update frequencyEvery 2 weeks — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS11.010.0 — better
Further details — not scored
Size114 MB172 MB
Age rating17+4+
DeveloperTapology Innovation Inc.LM PAY PLC

Customer experience

TapIn Pay

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews5 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

LM Pay

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

TapIn Pay

No in-app purchases

None

LM Pay

No in-app purchases

Questions

Is TapIn Pay free?
TapIn Pay is free to download, with no in-app purchases.
Is LM Pay free?
LM Pay is free to download, with no in-app purchases.
Which has better reviews, TapIn Pay or LM Pay?
LM Pay is rated higher. TapIn Pay averages 3.0 out of 5 from 2 ratings, while LM Pay averages 5.0 from 2 ratings.
Do TapIn Pay or LM Pay have ads?
Neither TapIn Pay nor LM Pay shows ads.
Which is updated more often, TapIn Pay or LM Pay?
TapIn Pay ships an update every 2 weeks, and LM Pay every 3 weeks. Most recently, TapIn Pay was updated on November 3, 2026 and LM Pay on November 3, 2026.

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