Em@ney 3D Secure vs Paywicks
Price, ratings, monetisation and update history for both apps, side by side ā 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.
Paywicks
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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
Verdict
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
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, Paywicks every 2 weeks. The most recent releases landed on November 7, 2026 and October 31, 2026 respectively.
| Parameter | Em@ney 3D Secure | Paywicks |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 9 months | Every 2 weeks ā better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 11.0 ā better | 15.6 |
| Further details ā not scored | ||
| Size | 30 MB | 90 MB |
| Age rating | 4+ | 4+ |
| Developer | Romcard S.A. | Paywicks Ltd |
In-app purchases
Em@ney 3D Secure
No in-app purchases
Paywicks
No in-app purchases
Questions
Is Em@ney 3D Secure free?
Is Paywicks free?
Do Em@ney 3D Secure or Paywicks have ads?
Which is updated more often, Em@ney 3D Secure or Paywicks?
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