Comparison

JTRB Authenticator vs ABA Merchant

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

Head to head
About

JTRB Authenticator

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Managing your day-to-day banking on JTR Connect has been made easier and more secure with JTRB Authenticator. JTRB Authenticator works as two-factor authentication (2FA), providing a total of 3-layer security: (1) User name & Password, (2) One-Time-Password "OTP", as a second security layer when logging in JTR Connect and (3) transactional OTP, as the third layer, when processing your payments on JTR-Connect. Features include: + JTRB Authenticator works with internet access advancing from traditional SMS OTP and OTP devices, ensuring more reliable worldwide delivery. + The App acting as Digital OTP, so that you bring one less device with you everywhere you go. + Working with existing Passcode and easy integration with latest biometric authentication technology for both iOS (TouchID & FaceID). For more information, please call us at +855 23 999 255 during office hours or email us at BusinessService@jtrustroyal.com or visit www.jtrustroyal.com. Please note that this JTRB Authentication application is only for Corporate users and not applicable for Personal and Premier accounts. *Working hour: Monday - Friday (8:00 am - 5:00 am), except Saturday, Sunday & Public Holiday.

About

ABA Merchant

This mobile point-of-sale solution allows businesses of any size to accept customer payments. It's designed for entrepreneurs and businesses like cafes, salons, or delivery services. Simply download, activate with your bank account, and start processing transactions.

Highlights
  • Accept customer payments
  • mPOS solution
  • Suitable for various business types
  • Easy activation with bank account
  • Free to use
Features
Read full description

ABA Merchant is free to use mPOS solution for any sized businesses including an individual entrepreneurs who has an account with ABA Bank. Your business can be a cafe, phone shop, beauty salon, delivery service or any other business. You just need to download the app, activate with your ABA account and you are ready to start accepting payments from your customers.

Screenshots

JTRB Authenticator4 screens
ABA Merchant4 screens

Verdict

The call

The clearest difference is update cadence: ABA Merchant at monthly against JTRB Authenticator's every 3 months. 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

JTRB Authenticator ships an update every 3 months, ABA Merchant monthly. The most recent releases landed on September 22, 2026 and September 20, 2026 respectively.

Scorecard1 real difference · 9 level
JTRB Authenticator versus ABA Merchant: the parameters behind the verdict, then further details
ParameterJTRB AuthenticatorABA Merchant
PriceFreeFree
Rating—4.0 (15 ratings) — better
Positive reviews—0.0% of reviews
Number of ratings—15 — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size35 MB85 MB
Age rating17+17+
DeveloperJ Trust Royal BankAdvanced Bank of Asia Ltd.

In-app purchases

None

JTRB Authenticator

No in-app purchases

None

ABA Merchant

No in-app purchases

Questions

Is JTRB Authenticator free?
JTRB Authenticator is free to download, with no in-app purchases.
Is ABA Merchant free?
ABA Merchant is free to download, with no in-app purchases.
Do JTRB Authenticator or ABA Merchant have ads?
Neither JTRB Authenticator nor ABA Merchant shows ads.
Which is updated more often, JTRB Authenticator or ABA Merchant?
JTRB Authenticator ships an update every 3 months, and ABA Merchant monthly. Most recently, JTRB Authenticator was updated on September 22, 2026 and ABA Merchant on September 20, 2026.

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