# TapIn Pay vs LM Pay

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.

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

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.

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

## The numbers

| Metric | TapIn Pay | LM Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/tapin-pay/id1507308484/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/lm-pay/id1529720152/reviews)** |
| Number of ratings | 2 | 2 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 114 MB | 172 MB |
| Requires iOS | 11.0 | **10.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Tapology Innovation Inc.](https://appshunter.io/developer/1590719918) | [LM PAY PLC](https://appshunter.io/developer/1529720154) |

## What reviewers say

### TapIn Pay

[App page](https://appshunter.io/ios/app/tapin-pay/id1507308484)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### LM Pay

[App page](https://appshunter.io/ios/app/lm-pay/id1529720152)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*