Comparison

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.

Head to head
About

Em@ney 3D Secure

Features
Read 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.

About

paynines

Features
Read 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

Em@ney 3D Secure4 screens
paynines4 screens

Verdict

The call

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

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

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.

Scorecard1 real difference ยท 5 level
Em@ney 3D Secure versus paynines: the parameters behind the verdict, then further details
ParameterEm@ney 3D Securepaynines
PriceFreeFree
Update frequencyEvery 9 monthsEvery 6 months โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod โ€” betteriPhone, iPod
Requires iOS11.0 โ€” better14.0
Further details โ€” not scored
Size30 MB49 MB
Age rating4+4+
DeveloperRomcard S.A.Paynines Operations SRL

In-app purchases

None

Em@ney 3D Secure

No in-app purchases

None

paynines

No in-app purchases

Questions

Is Em@ney 3D Secure free?
Em@ney 3D Secure is free to download, with no in-app purchases.
Is paynines free?
paynines is free to download, with no in-app purchases.
Do Em@ney 3D Secure or paynines have ads?
Neither Em@ney 3D Secure nor paynines shows ads.
Which is updated more often, Em@ney 3D Secure or paynines?
Em@ney 3D Secure ships an update every 9 months, and paynines every 6 months. Most recently, Em@ney 3D Secure was updated on October 17, 2026 and paynines on October 4, 2026.

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