Comparison

NaqaD by Kamelpay vs Mhamcloud

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

Head to head
About

NaqaD by Kamelpay

This app offers digital payment services for employees, facilitating payroll needs for low-income workers. It enables secure money transfers, bill payments, and online transactions, with a dashboard to monitor finances and access transaction history.

Highlights
  • Digital payment services
  • Money remittance
  • Bill payments
  • Online transactions
  • Financial dashboard
  • Transaction history
Features
Read full description

Kamelpay is the leading fintech company based in the UAE. It is a perfect partner for corporations for quick payment solutions that helps businesses to cater to all the payroll needs of low-income employees. The application provides employees with digital payment services and has the following benefits ● Send money remittance ● Secure Processing of transaction ● Mobile Top-ups ● Pay your bills ● Make online transactions with ease. ● Keep a close eye on your finances through the application dashboard. ● Get transaction history without any overhead charges ● Digital financial solutions Core Products Of Kamelpay Kamelpay core products include a WPS based payroll prepaid card and a corporate expense prepaid card PayD Card - One-Window Payroll Solution Kamelpay’s PayD card is perfect for companies to pay their low-income employees in compliance with WPS UAE regulations. ● Timely electronic salary disbursement. ● EMV-Compliant Mastercard prepaid card. ● Secures Salary Transferring Method ● 24x7 access to funds via ATM, POS, and e-commerce purchases. ● Convenient Salary Receiving Method ● Send Remittance In UAE Kamelpay has a solution for a payroll management system within the UAE! The PayD card of Kamelpay is just the right partner the business and employees are looking for! These cards are easy to get and are also known to speed up the salary payout management in UAE! Many companies are stressed about providing the monthly wages of their employees on the same day! But doing this is not easy! Centiv Card - Corporate Payment Made Easy Our Centiv Card enables companies to switch low-value corporate expenses and reduce cash-handling operations. Also, this card works according to the Wage Protection System of the UAE. ● Higher load limits for expense management. ● Ideal solution for incentives, commissions, and rebates. ● Eliminate the need for cash and reimbursements. ● Eases the cash handling ● Tailored reports for periodic reconciliation

About

Mhamcloud

Features
Read full description

Integrated cashier system and points of sale Print receipts and invoices. Compatible with the tax system in Saudi Arabia - Barcode and QRcode system - Scan & Pay supports - Why is the system the best? One control panel that helps you follow up on all financial operations + detailed reports that help you make decisions faster + adding an unlimited number of clients that takes place within your business. + Unlimited number of users + We speak Arabic 100% Supports various payment methods + Supports multiple currencies + Billing management + A specialized team that helps you connect the payment gateway

Screenshots

NaqaD by Kamelpay4 screens
Mhamcloud4 screens

Verdict

The call

The clearest difference is ads: Mhamcloud at none against NaqaD by Kamelpay's shown. Mhamcloud also leads on update cadence (every 10 days vs monthly) and iOS requirement (11.0 vs 15.6). On price, 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

NaqaD by Kamelpay ships an update monthly, Mhamcloud every 10 days. The most recent releases landed on November 7, 2026 and October 27, 2026 respectively.

Scorecard3 real differences · 7 level
NaqaD by Kamelpay versus Mhamcloud: the parameters behind the verdict, then further details
ParameterNaqaD by KamelpayMhamcloud
PriceFreeFree
Rating4.4 (184 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings184 — better—
Update frequencyMonthlyEvery 10 days — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.611.0 — better
Further details — not scored
Size143 MB74 MB
Age rating4+17+
DeveloperH A Q KAMEL PAY SERVICES L.L.CEBDA INTERNATIONAL SECURITY SURVEILLANCE COMPANY

In-app purchases

None

NaqaD by Kamelpay

No in-app purchases

None

Mhamcloud

No in-app purchases

Questions

Is NaqaD by Kamelpay free?
NaqaD by Kamelpay is free to download, with no in-app purchases.
Is Mhamcloud free?
Mhamcloud is free to download, with no in-app purchases.
Do NaqaD by Kamelpay or Mhamcloud have ads?
NaqaD by Kamelpay shows ads; Mhamcloud does not.
Which is updated more often, NaqaD by Kamelpay or Mhamcloud?
NaqaD by Kamelpay ships an update monthly, and Mhamcloud every 10 days. Most recently, NaqaD by Kamelpay was updated on November 7, 2026 and Mhamcloud on October 27, 2026.

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