Comparison

eMoney Agent vs FTB Merchant

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

Head to head
About

eMoney Agent

Perform financial transactions like payments, money transfers, and phone top-ups instantly from your mobile device. No bank account is required to register and manage your finances easily. Offers secure QR payments and bill settlements across numerous provinces.

Highlights
  • One-click transactions
  • No bank account required
  • Unlimited telecom operations
  • Instant phone top-up discounts
  • QR code payments
  • Bill payments for utilities and loans
  • 2-layer password security
Features
Read full description

eMoney – Leading Mobile Finance Provider, developed by E-MONEY PAYMENT SOLUTIONS PLC. With eMoney application, you can perform any transactions such as payment, money transfer, phone top up, and so on, by just one click, and do not need to visit physical bank. IMMEDIATE SIMPLE WITH ACTION: - No bank account is required - Unlimited telecom operation - Register account within a minute - Online KYC, simple and easy TRANSFER MONEY UNLIMITED - Transfer to your family and anyone anywhere, anytime via eMoney account or Non-eMoney account users - Transfer to your local bank account - Cash-in/cash-out at over 8,000 agents nationwide. PHONE TOP UP CANNOT BE CHEAPER - Top up to your phone balance with instant discount 3-5% - Exchange and buy data via eMoney to get more benefit 30% BILL PAYMENTS ALL 25 PROVINCES AND CITIES - Electric/water bill, Internet, TVs, etc - Loan repayment, Micro finance, school fee, etc QR PAYMENT - Customer can make payment when buy goods or services at retails shops or online shops by using QR Payment, request pay.QR Pay is the easiest and quickest payment method where payment will be performed by scanning QR code via eMoney APP ABSOLUTE SECURITY - 2-layer password security and authentication code are absolutely safe (customer can choose authentication by USSD or SMS) HASSLE-FREE - Get your salary on time. - Risk-free of handling cash. START your new payment experience on your mobile phone - Hotline support and answers: 868 or 0236 868 868 - Website: https://emoney.com.kh

About

FTB Merchant

Features
Read full description

FTB Merchant App is an ideal cashless payment solution for merchants of all sizes and across different categories. This mobile application enables merchants to manage their daily cash flow better while offering convenience, fast, and security. FEATURES • Convenient, Fast, and Secure • Receive instant notifications of the sales transaction • Receive cashless payments for your goods/services using QR code • Trace sales records and manage your account statement • Navigate easily using either Khmer or English language BENEFITS • Receive support from FTB Bank in branded partnerships, merchant collaterals, and support in the form of online promotion through FTB Bank's website, FTB Mobile, Retail Internet Banking, and Social Media • Attract more customers and increase sales activities via KHQR Scan • Fasten transaction duration and check out queue • Minimize risks of cash in transit, fraud, and counterfeiting with cashless payment • Reduce cost of cash management

Screenshots

eMoney Agent4 screens
FTB Merchant4 screens

Verdict

The call

The clearest difference is update cadence: eMoney Agent at monthly against FTB Merchant's every 3 months. eMoney Agent also leads on iOS requirement (12.1 vs 14.0). On price, ads, in-app purchases and device support 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

eMoney Agent ships an update monthly, FTB Merchant every 3 months. The most recent releases landed on October 22, 2026 and October 14, 2026 respectively.

Scorecard2 real differences · 8 level
eMoney Agent versus FTB Merchant: the parameters behind the verdict, then further details
ParametereMoney AgentFTB Merchant
PriceFreeFree
Rating4.3 (7 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings7 — better—
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.1 — better14.0
Further details — not scored
Size151 MB102 MB
Age rating12+4+
DeveloperMetfoneForeign Trade Bank of Cambodia

In-app purchases

None

eMoney Agent

No in-app purchases

None

FTB Merchant

No in-app purchases

Questions

Is eMoney Agent free?
eMoney Agent is free to download, with no in-app purchases.
Is FTB Merchant free?
FTB Merchant is free to download, with no in-app purchases.
Do eMoney Agent or FTB Merchant have ads?
Neither eMoney Agent nor FTB Merchant shows ads.
Which is updated more often, eMoney Agent or FTB Merchant?
eMoney Agent ships an update monthly, and FTB Merchant every 3 months. Most recently, eMoney Agent was updated on October 22, 2026 and FTB Merchant on October 14, 2026.

Other comparisons