Em@ney 3D Secure vs Bedford Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Em@ney 3D Secure
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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.
Bedford Pay
Manage your money on the go with a modern online payment system. Securely receive EUR and GBP payments with a unique IBAN, and convert funds to various currencies. Supports SEPA, SWIFT, and BACS payment schemes.
- Customizable payment system
- Secure money management
- Receive EUR and GBP payments
- Unique IBAN number
- Currency conversion
- Supports SEPA, SWIFT, BACS
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Customisable, quick, and easy online payment system is designed for you, the way you love. Modern online payment system technology allows you to securely manage your money on the go, smart and easy. Get unique IBAN number to receive online EUR and GBP payments quickly and easy. You can covert at a good rate and send out in many other different currencies. Supported payment schemes: SEPA, SWIFT, BACS
Screenshots
Verdict
The clearest difference is update cadence: Bedford Pay at every 4 months against Em@ney 3D Secure's every 9 months. Em@ney 3D Secure's advantage is iOS requirement (11.0 vs 15.1). 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.
Em@ney 3D Secure ships an update every 9 months, Bedford Pay every 4 months. The most recent releases landed on October 25, 2026 and October 4, 2026 respectively.
| Parameter | Em@ney 3D Secure | Bedford Pay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Number of ratings | — | 1 — better |
| Update frequency | Every 9 months | Every 4 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 30 MB | 18 MB |
| Age rating | 4+ | 17+ |
| Developer | Romcard S.A. | Bedford Pay LTD |
In-app purchases
Em@ney 3D Secure
No in-app purchases
Bedford Pay
No in-app purchases
