Incard vs DECTA Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Incard
This financial platform helps digital entrepreneurs manage all aspects of their business finances. It offers corporate cards, expense tracking, bill payments, and accounting automation, all accessible through a mobile app.
- Corporate cards
- Expense management
- Bill payments
- Accounting automation
- E-commerce integration
- Multi-currency accounts
- Receipt uploads
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Incard is a financial platform designed for digital entrepreneurs to save time and money. With Incard, you get corporate cards, expense management, bill payments, accounting automation, e-commerce integration, insights, and reporting—all in one place. Incard mobile app puts finance automation at your fingertips. Access card details, upload receipts for easy expense reporting, manage spending, redeem your Incard points and more. App features: - Access your multi-currency business accounts, pay and get paid faster like a local - Easily view, manage, and create both physical and virtual cards - Earn Incard points on ad spend and other Incard categories. Redeem your points in cash and get up to 2% cashback - Track transactions, spending, and cash flow anytime, anywhere - Upload or send receipts in seconds through the app - Receive tailored notifications to stay on top of every expense - Dedicated customer support that understand your online business model Have you met Incard yet? Download the app and get started today. You can also enjoy advanced e-commerce integrations, analytics, and perks from our native web application, which can be accessed via any recent desktop browser.
DECTA Merchant
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DECTA's Digital Banking App is the key to unlocking modern B2B banking solutions. We provide businesses with a comprehensive digital banking platform, accessible on smartphones and tablets. Gain complete control over your business finances, anytime, anywhere. Seamlessly Integrated Mobile Banking: Our secure mobile banking seamlessly integrates with your online banking. Activate mobile banking easily through Internet banking, ensuring a smooth transition between platforms. All Your Business Finances in One Place: DECTA's mobile app offers a wide array of tailored financial services and products designed for businesses. Keep a close eye on business accounts, loans, securities, and more in one user-friendly interface. Effortless Business Transfers: Streamline domestic and international transfers for your business. Make fund transfers, set up recurring payments, and manage your business finances efficiently. Transaction Tracking Made Easy: Track business transactions with ease. Search and filter by date, amount, and account details. Stay in control of your business's financial operations. Customized Business Administration: Tailor your business banking experience with features like PIN activation, and transaction locks. Secure Your Business Cards: Enhance security by locking and unlocking your business debit or credit cards directly from the app. Personalized Settings: Tailor mobile banking preferences and receive business news updates aligned with your business goals. ...and more. DECTA's Digital Banking App is designed exclusively for businesses, offering modern, efficient, and personalized banking services on any major mobile device.
Screenshots
Verdict
The clearest difference is update cadence: Incard at every 5 days against DECTA Merchant's every 3 weeks. DECTA Merchant's advantage is iOS requirement (14.0 vs 17). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Incard ships an update every 5 days, DECTA Merchant every 3 weeks. The most recent releases landed on September 13, 2026 and August 4, 2026 respectively.
| Parameter | Incard | DECTA Merchant |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (5 ratings) — better | — |
| Positive reviews | 81.8% of reviews | — |
| Number of ratings | 5 — better | — |
| Update frequency | Every 5 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17 | 14.0 — better |
| Further details — not scored | ||
| Size | 170 MB | 98 MB |
| Age rating | 17+ | 17+ |
| Developer | Incard Ltd | Decta Limited |
In-app purchases
Incard
No in-app purchases
DECTA Merchant
No in-app purchases









