Comparison

Em@ney 3D Secure vs Paywicks

Price, ratings, monetisation and update history for both apps, side by side — 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

Paywicks

Features
Read full description

Paywicks is a global digital wallet and money transfer platform designed for seamless international payments. KEY FEATURES: • Send and receive money globally across multiple currencies • Manage multiple currency wallets in one place • Transfer funds directly to bank accounts worldwide • Top up your wallet securely using your card via Stripe • Track all transactions in real-time with detailed history • Create and pay invoices with ease • Request payments from contacts • Biometric authentication (Face ID / Touch ID) for secure access • Identity verification powered by SmileID for compliance • Push notifications for all account activity • Dark and light mode support SECURITY: Paywicks uses bank-grade encryption, Firebase App Check, and identity verification to keep your account and funds safe. All payments are processed through Stripe, a globally trusted payment provider. REQUIREMENTS: Users must be 18 years or older to register. Identity verification is required before making transfers. Paywicks is operated by Paywicks Limited.

Screenshots

Em@ney 3D Secure4 screens
Paywicks4 screens

Verdict

The call

The clearest difference is update cadence: Paywicks at every 2 weeks against Em@ney 3D Secure's every 9 months. Em@ney 3D Secure's advantage is iOS requirement (11.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· 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, Paywicks every 2 weeks. The most recent releases landed on November 7, 2026 and October 31, 2026 respectively.

Scorecard2 real differences Ā· 4 level
Em@ney 3D Secure versus Paywicks: the parameters behind the verdict, then further details
ParameterEm@ney 3D SecurePaywicks
PriceFreeFree
Update frequencyEvery 9 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS11.0 — better15.6
Further details — not scored
Size30 MB90 MB
Age rating4+4+
DeveloperRomcard S.A.Paywicks Ltd

In-app purchases

None

Em@ney 3D Secure

No in-app purchases

None

Paywicks

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 Paywicks free?
Paywicks is free to download, with no in-app purchases.
Do Em@ney 3D Secure or Paywicks have ads?
Neither Em@ney 3D Secure nor Paywicks shows ads.
Which is updated more often, Em@ney 3D Secure or Paywicks?
Em@ney 3D Secure ships an update every 9 months, and Paywicks every 2 weeks. Most recently, Em@ney 3D Secure was updated on November 7, 2026 and Paywicks on October 31, 2026.

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