Em@ney 3D Secure vs paynines
Price, ratings, monetisation and update history for both apps, side by side โ with what reviewers say about each.
Em@ney 3D Secure
Read full descriptionHide full description
Easily and securely authenticate Online Purchases of your Em@ney debit Card. The Em@ney 3D Secure APP is free to download and makes it easier and safer to authorize your Mastercard Debit card online purchases. The App is easy to use: Download the Em@ney Authenticator APP Associate your card with the APP Enroll your Em@ney Mastercard Debit following the onscreen guide. After successfull enrollment you can start making purchases online. How to use your Em@ney authenticator APP: Everytime you make an online purchase you will be prompted to access the Em@ney 3D Secure APP to authenticate the transaction biometrically with your fingerprint or Face ID. You will also receive a push notification on your smart device at the same time. Validate the transaction using your fingeprint reader or your Face ID Other functionalities: Visualize your current purchases pressing the shopping cart button or the Card image. Visualize the CARD/S associated with the Em@ney authenticator APP by pressing the Card icon. Security and Safety Tips: Make sure your have reliable data connection on your device for a successful transaction validation. Be aware of fraudsters. Em@ney will never contact you in regard of the use of the Em@ney 3D Secure authenticator APP. Any suspicious transactions, Emails, calls or text messages appearing to be of Em@ney PLC must be reported immediately to us by sending a messages via accessing the Em@ney home banking portal at https://banking.emworld.eu/ Your security is our priority. Mobile data transmissions and account information are protected by 256-bit SSL encryption.
paynines
Read full descriptionHide full description
Paynines gives you the possibility to easily make account2account payments and see aggregated data about your bank accounts, using secure OpenBanking channels.
Screenshots
Verdict
The clearest difference is iOS requirement: Em@ney 3D Secure at 11.0 against paynines's 14.0. On price, update cadence, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Em@ney 3D Secure ships an update every 9 months, paynines every 6 months. The most recent releases landed on October 17, 2026 and October 4, 2026 respectively.
| Parameter | Em@ney 3D Secure | paynines |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 9 months | Every 6 months โ better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod โ better | iPhone, iPod |
| Requires iOS | 11.0 โ better | 14.0 |
| Further details โ not scored | ||
| Size | 30 MB | 49 MB |
| Age rating | 4+ | 4+ |
| Developer | Romcard S.A. | Paynines Operations SRL |
In-app purchases
Em@ney 3D Secure
No in-app purchases
paynines
No in-app purchases
Questions
Is Em@ney 3D Secure free?
Is paynines free?
Do Em@ney 3D Secure or paynines have ads?
Which is updated more often, Em@ney 3D Secure or paynines?
Other comparisons















