Narfar Pay vs RTN Smart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Narfar Pay
Instantly pay merchants by scanning their QR code with your saved credit or debit cards. Enjoy secure, fast transactions without carrying physical cards. Earn cashback on every purchase to use on future payments or redeem in the Rewards Shop.
- Scan QR codes to pay
- Instant credit/debit card payments
- Bank-level encryption security
- Earn cashback rewards
- Redeem rewards in shop
- Fast transaction notifications
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Narfar Pay is the easiest way to pay. Just scan a merchant's QR code and pay instantly with any credit or debit card you have saved. There's no need to bring all your cards everywhere you go. Safe. Narfar uses bank level encryption to ensure all your payments data is securely stored and processed. Fast. Pay in seconds from the ease of your phone. The merchant receives the payment immediately and will be notified in seconds. Free. Narfar Pay is completely free to use. There are no hidden fees, monthly fees, or contracts. Earn. Each time you pay with Narfar Pay, you earn cashback which can be used towards future purchases or redeemed for an item in the Rewards Shop. How it works. Open the app, tap the "Scan" button and scan a QR Code. You'll be directed to the merchant's payment page where you can enter the amount you want to pay. Your payment is sent instantly and the merchant receives a notification in seconds.
RTN Smart
This app enables quick, secure, and cashless transactions using QR codes. It also offers digital ATM cash withdrawals and a loyalty program for earning rewards and exclusive discounts.
- QR code payments
- Contactless transactions
- Digital ATM cash withdrawals
- Loyalty program
- Earn reward points
- Exclusive discounts
- Send gift cards
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Welcome to RTN Smart - The USA's First QR Payment System! Experience the future of cashless and contactless payments with RTN Smart, the cutting-edge mobile payment app that revolutionizes the way you make transactions! Say goodbye to the inconvenience of carrying debit/credit cards or wallets and say hello to quick, secure, and hassle-free payments using just your phone. The Power of QR Code Payments RTN Smart utilizes Quick Response (QR) codes, the next-generation two-dimensional barcodes, to simplify your payment experience. By scanning the QR code displayed at merchants' locations, you can instantly complete transactions with ease. The QR code contains all essential transaction details, including the amount, merchant ID, and customer ID, ensuring swift and seamless payments. RTN Digital ATM: A New Era of Cash Withdrawals No need to visit physical ATMs anymore! With RTN Digital ATM, you can withdraw cash effortlessly from thousands of RTN-approved locations using your phone's QR code scanner. It's a fast, convenient, and secure way to access your money whenever you need it. Embrace the future of cash withdrawals with RTN Digital ATM! RTN Loyalty Program: Unlock Exclusive Rewards Make every purchase rewarding with our all-new loyalty program! Scan, pay, and earn reward points with each transaction. As a loyal customer, you'll gain access to exclusive coupons, gift cards, reward points, and special discounts on every purchase. The more you shop, the more you'll save. Join our loyalty program today and start earning exciting rewards with every purchase! Embrace the convenience and security of RTN Smart, RTN Digital ATM, and our enticing loyalty program. It's time to step into a future where payments are faster, smarter, and more rewarding with every transaction. Plus, they can even send RTN gift cards to their loved ones! Our app is simple, fast, and secure, allowing you to have a worry-free payment experience. RTN Smart has you covered any time, any place, whether you're paying at a store or withdrawing cash. So why wait? Download RTN Smart today and discover the future of payments. Join the thousands of satisfied customers who have already experienced the difference with RTN Smart. Feel the future! Feel the difference!
Screenshots
Verdict
The clearest difference is update cadence: Narfar Pay at every 2 days against RTN Smart's fortnightly. Narfar Pay also leads on iOS requirement (11.0 vs 13.0). On price, rating, ratings volume and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for Narfar Pay against 5.0 for RTN Smart. Both are backed by a comparable volume of ratings — 4 and 6 respectively.
Narfar Pay ships an update every 2 days, RTN Smart fortnightly. The most recent releases landed on October 1, 2026 and September 24, 2026 respectively.
| Parameter | Narfar Pay | RTN Smart |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (4 ratings) | 5.0 (6 ratings) |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 4 | 6 — better |
| Update frequency | Every 2 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 11.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 26 MB | 125 MB |
| Age rating | 4+ | 17+ |
| Developer | Narfar Inc. | RealTime Networking |
Customer experience
Narfar Pay
RTN Smart
In-app purchases
Narfar Pay
No in-app purchases
RTN Smart
No in-app purchases
Questions
Is Narfar Pay free?
Is RTN Smart free?
Which has better reviews, Narfar Pay or RTN Smart?
Do Narfar Pay or RTN Smart have ads?
Which is updated more often, Narfar Pay or RTN Smart?
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