Comparison

mobiquity Pay vs Setlo

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

Head to head
About

mobiquity Pay

Features
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Self onboarding: - Onboard yourself digitally without any physical intervention. - Get your KYC verified and enjoy the plethora of services like Bill Payment, Merchant Payment, Recharge, and many more. Send Money to your Friends and Family: - Enhanced with recent and favorite functionality. You can now select from the favorites added, Select from your contacts and even scan the QR (EMVco) to send money. Linking multiple payment instruments: - mobiquity pay can be integrated with multiple banks. You can link multiple bank accounts to your wallet account. - mobiquity pay can also be integrated with the payment gateway. You can link multiple debit cards and credit cards to facilitate payment use cases. One-click Merchant Payment: - Pay on the go using your wallet balance, debit card, credit card, and bank account by just scanning the QR at the merchants. Recharge at your convenience - Make phone recharges quickly at your favorite mobile operator. You can recharge using your wallet balance, debit card, credit card, and bank account. Unified Payment history: - Track all your transaction in one place hustle-free. A detailed view of all the transactions done using any payment instrument helps you reconcile easily. You can also apply filters to check for any specific transaction within the date range, by service type, and by instrument type as well. Transfer money between your bank and wallet: - Add money to your wallet account using any bank account linked to your wallet profile. - Send money from your wallet to your linked bank account. Business User Locator: - Locate your nearby groceries shops, pets store, restaurants using the business locator

About

Setlo

Features
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Setlo โ€“ India's Circular Debt Settlement Platform Setlo helps individuals track and settle informal debts with friends, family, roommates, colleagues, and trusted circles. Unlike traditional payment apps, Setlo focuses on managing obligations and identifying circular debt loops that can be resolved without requiring money transfers. Every obligation is consent-driven, transparent, and privacy-first.

Screenshots

mobiquity Pay4 screens
Setlo4 screens

Verdict

The call

The clearest difference is update cadence: Setlo at weekly against mobiquity Pay's monthly. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

mobiquity Pay ships an update monthly, Setlo weekly. The most recent releases landed on November 3, 2026 and November 10, 2026 respectively.

Scorecard1 real difference ยท 5 level
mobiquity Pay versus Setlo: the parameters behind the verdict, then further details
Parametermobiquity PaySetlo
PriceFreeFree
Update frequencyMonthlyWeekly โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details โ€” not scored
Size212 MB59 MB
Age rating17+4+
DeveloperComviva Technologies LtdSetlo Technologies private limited

In-app purchases

None

mobiquity Pay

No in-app purchases

None

Setlo

No in-app purchases

Questions

Is mobiquity Pay free?
mobiquity Pay is free to download, with no in-app purchases.
Is Setlo free?
Setlo is free to download, with no in-app purchases.
Do mobiquity Pay or Setlo have ads?
Neither mobiquity Pay nor Setlo shows ads.
Which is updated more often, mobiquity Pay or Setlo?
mobiquity Pay ships an update monthly, and Setlo weekly. Most recently, mobiquity Pay was updated on November 3, 2026 and Setlo on November 10, 2026.

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