# NetPay by Netcapital vs MONSEC

The clearest difference is update cadence: NetPay by Netcapital at every 2 weeks against MONSEC's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

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

NetPay by Netcapital ships an update every 2 weeks, MONSEC every 2 months. The most recent releases landed on October 29, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | NetPay by Netcapital | MONSEC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.6 (11 ratings)](https://appshunter.io/ios/app/netpay-by-netcapital/id1534832850/reviews)** | — |
| Number of ratings | **11** | — |
| Positive reviews | 33.3% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 2 months |
| Monetization | Free | — |
| Size | 112 MB | 57 MB |
| Requires iOS | 15.5 | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Netcapital Financial Corporation NBFI LLC](https://appshunter.io/developer/1534832852) | [MONSEC SECURITIES COMPANY LLC](https://appshunter.io/developer/1650907751) |

## What reviewers say

### NetPay by Netcapital

[App page](https://appshunter.io/ios/app/netpay-by-netcapital/id1534832850)

This mobile service allows users to register, view loan accounts, and track repayment history. It facilitates fee-free loan payments directly through the app via QPay or any bank app. Users can also find branch locations and update their personal information.

**Highlights:** Self-registration via mobile app, View loan account list, Track loan repayment history, Fee-free loan payments via QPay/bank apps, Find branch locations, Update personal information

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### MONSEC

[App page](https://appshunter.io/ios/app/monsec/id6443947503)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is NetPay by Netcapital free?

NetPay by Netcapital is free to download, with no in-app purchases.

### Is MONSEC free?

MONSEC is free to download, with no in-app purchases.

### Do NetPay by Netcapital or MONSEC have ads?

Neither NetPay by Netcapital nor MONSEC shows ads.

### Which is updated more often, NetPay by Netcapital or MONSEC?

NetPay by Netcapital ships an update every 2 weeks, and MONSEC every 2 months. Most recently, NetPay by Netcapital was updated on October 29, 2026 and MONSEC on October 23, 2026.

---

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