INC.C Payments vs UnLock
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
INC.C Payments
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Empower your business by giving your customers and/or staff a prepaid card. INC.C Mastercard can be spent everywhere Mastercard is accepted. Download the INC.C App to activate your card, track spending, lock cards or cancel them. Load your card to your virtual wallet for convenient spending at your fingertips.
UnLock
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UnLock. Trade on your own terms. Doing business? Buy now, pay later. If you have trade accounts with suppliers, they usually come with strings attached: β’ paying on their terms β’ being βlocked-inβ with these suppliers β’ paying invoices from multiple suppliers is an admin headache. With UnLock you can: * Pay when you want to β say goodbye to βpayable within 30 daysβ. You decide your own payment terms. * Choose from a huge range of suppliers β buy in-store or online from any supplier that accepts Mastercard. Itβs like having a trade account with everyone. * One payment pays all your bills β when using the UnLock Mastercard, pay all your suppliers with just one monthly payment; quick and easy. * Everything in one account - no matter how many of your staff are buying things, you pay for all the purchases from one account; managing your books is easy. * Pay only for what you use - no monthly fees, no application fees, no annual fees. You only pay a transaction fee if you make a transaction.
Screenshots
Verdict
The clearest difference is iOS requirement: INC.C Payments at 13.0 against UnLock's 15.0. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
INC.C Payments ships an update every 6 months, UnLock every 11 months. The most recent releases landed on October 8, 2026 and October 20, 2026 respectively.
| Parameter | INC.C Payments | UnLock |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 months β better | Every 11 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 β better | 15.0 |
| Further details β not scored | ||
| Size | 55 MB | 54 MB |
| Age rating | 4+ | 4+ |
| Developer | IN.C.C Payments Pty Ltd | Marketlend Pty Ltd |
In-app purchases
INC.C Payments
No in-app purchases
UnLock
No in-app purchases









