Comparison

KESSPay Pro vs CUBC Merchant

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

Head to head
About

KESSPay Pro

This digital payment app simplifies sending, receiving, and managing money. It offers instant transfers, group payments, and QR code scanning for quick transactions. Enjoy secure and reliable financial management with integrated services.

Highlights
  • Instant money transfers
  • Group payments
  • Scan & Pay QR codes
  • Secure payment technology
  • Connected third-party services
Read full description

KESS PAY is a smart digital payment app designed to make sending, receiving, and managing money easier than ever. Built for everyday life, it helps you pay, transfer, and stay connected — all in one place. ● What you can do with KESS PAY PRO: 1. Instant Money Transfers – Send and receive money from friends, family, and peers anytime, anywhere. 2. Group Payments – Easily split bills or contribute to shared expenses. 3. Scan & Pay – Pay quickly at local stores by scanning QR codes. 4. Secure & Reliable – Keep your money safe with trusted, modern payment technology. 5. Connected Services – Access additional third-party services without leaving the app. ● Whether it’s shopping, dining, or sending money back home — KESS PAY is the simpler, faster, and safer way to pay. ● Visit us on Facebook to learn more. https://www.facebook.com/KESS-Innovation-PLC-110814020476161/

About

CUBC Merchant

Features
Read full description

Take full control of your business with CUBC Merchant — anytime, anywhere. CUBC Merchant is a secure mobile application tailored for business owner to manage daily operations with ease and confidence. With our high security platform, you can monitor transactions, manage your cashier, and stay connected with your business and branches all in one app. With CUBC Merchant in hand, there are many things you can do: - Business Management: easily navigate across your branches, view and filter branch details, enable or disable branch notification, and track your daily incoming transaction through KHQR in real time. - Cashier Management: register and assign cashier to specific branches, reset or unlock access in a few taps. - QR Code for receiving payment: generate KHQR code to receive fund from any local banks or intra bank quickly and securely. - Transaction Monitoring: view instant payment notifications, monitor overall sales performance, and review transaction details by branch. - Secure Quick Log-in: by using biometric authentications or username and password. Access Permissions and Usage: - Get Push Notifications: For transaction result notifications. - Photos/Media/Files: To load payment QR Code screens for customer retention and to read images or files. - Write External Storage: To load payment QR Code for customer retention. - Touch ID / Face ID: To provide login authentication (Requires Touch ID / Face ID permission). Friendly Reminder: To improve data security, you can install antivirus application. For more information, please visit at any branches of Cathay United Bank (Cambodia) Plc. or please contact us (855) 23 88 55 00.

Screenshots

KESSPay Pro4 screens
CUBC Merchant4 screens

Verdict

The call

The clearest difference is ads: CUBC Merchant at none against KESSPay Pro's shown. KESSPay Pro's advantage is update cadence (fortnightly vs monthly). On price, in-app purchases, device support and iOS requirement 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.

UpkeepUpdate frequency

KESSPay Pro ships an update fortnightly, CUBC Merchant monthly. The most recent releases landed on September 26, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
KESSPay Pro versus CUBC Merchant: the parameters behind the verdict, then further details
ParameterKESSPay ProCUBC Merchant
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyFortnightly — betterMonthly
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhoneiPhone
Requires iOS16.616.0 — better
Further details — not scored
Size202 MB84 MB
Age rating4+4+
DeveloperKESS INNOVATION PLC.CATHAY UNITED BANK (CAMBODIA) PLC

In-app purchases

None

KESSPay Pro

No in-app purchases

None

CUBC Merchant

No in-app purchases

Questions

Is KESSPay Pro free?
KESSPay Pro is free to download, with no in-app purchases.
Is CUBC Merchant free?
CUBC Merchant is free to download, with no in-app purchases.
Do KESSPay Pro or CUBC Merchant have ads?
KESSPay Pro shows ads; CUBC Merchant does not.
Which is updated more often, KESSPay Pro or CUBC Merchant?
KESSPay Pro ships an update fortnightly, and CUBC Merchant monthly. Most recently, KESSPay Pro was updated on September 26, 2026 and CUBC Merchant on October 10, 2026.

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