Comparison

Matensa vs MTM pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Matensa

Manage your finances with a digital wallet that handles payments, transfers, and mobile recharges. Track cash flow, set up bill agreements, and even manage payroll. Earn rewards for good financial habits.

Highlights
  • Digital wallet for payments and transfers
  • Bill and subscription agreement tracking
  • Marketplace for listing products/services
  • Cash flow management and insights
  • Mobile and subscription recharges
  • Payroll deposit and salary advances
  • Automated reminders and rewards
Features
Read full description

Matensa: Your Comprehensive Digital Wallet and Financial Management Platform Experience a new era of financial empowerment with Matensa, your all-in-one digital wallet and financial management platform. Designed to seamlessly integrate into your daily life, Matensa offers a robust suite of features that puts you in control: Agreements: Simplify your financial commitments by setting up and tracking agreements for bills, invoices, and subscriptions. Payments are automatically populated with detailed, itemized entries, and receipts are instantly delivered, directly from merchants or government institutions—eliminating the need for manual tracking. Marketplace: List your products and services in a polished, searchable storefront inside Matensa’s marketplace. Create a personal Catalogue, set prices and availability, and accept bookings with built-in calendar scheduling. The marketplace connects sellers and buyers safely within the app, handles payments and confirmations, and gives you tools to promote listings and manage orders — making it easy to earn and grow your business from one place. Cash Flow Clarity: Gain real-time insights into your finances with a clear view of both incoming and outgoing payments. Manage your cash flow effortlessly and stay ahead of your financial commitments. Cash In, Cash Out, and Transfers: Charge your wallet in LBP or USD using a variety of methods—credit/debit cards, agents, ATMs, branches, or other digital wallets. Send money to friends and pay with QR codes at POS machines or online, ensuring smooth and secure transactions wherever you go. Mobile Recharges: Effortlessly recharge your mobile and subscription accounts, ensuring you're always connected and ready to go. Payroll Management: Have your payroll deposited directly into your Matensa wallet, creating a centralized hub for all your financial activities. Additionally, you can apply for salary advances and access other exclusive benefits, giving you greater control and flexibility over your finances. Reminders & Rewards: Stay on track with automated reminders for due and overdue payments. Plus, earn rewards for responsible financial behavior, like on-time payments and active community participation. Comprehensive Financial Tools: Seamlessly switch between personal and business profiles, connect with government services for automated bill retrieval, and manage every aspect of your financial life—all within one app. Matensa Card: Your Matensa Card gives you convenient access to your funds and a clear view of your spending. Each transaction is updated in real-time in the Matensa app, so you can easily track your balance, spending, and any rewards. Top up your card anytime and manage your transactions securely, all from one place. Security and Compliance: Matensa operates under the Central Bank of Lebanon (BDL) license number 25/07/24, ensuring full regulatory compliance. We are also ISO 27001 certified, reflecting our commitment to the highest standards of data security. Our platform uses advanced measures to protect your personal information and secure your transactions, providing you with confidence and peace of mind in managing your finances. Matensa combines convenience, security, and flexibility to give you full control over your financial life. Download Matensa today to experience the future of financial management.

About

MTM pay

This digital wallet simplifies saving, sending, and receiving money with secure, user-friendly features. It offers seamless transactions, bill payments, mobile top-ups, and financial management tools for everyday needs.

Highlights
  • E-wallet account approval
  • Secure transactions with encryption and biometrics
  • Instant money transfers
  • Bill payments and mobile top-ups
  • QR code payments
  • Transaction history and reports
  • Digital receipts and notifications
Features
Read full description

A secure and user-friendly digital wallet that allows you to save, send and receive money anytime, anywhere. Our E-wallet offers seamless transactions, bill payments, mobile top-ups, and financial managements tools all in one convenient app. Fast, reliable and it is built for your everyday needs. Key features: E-wallet Account approval in minutes. Secure transaction: End-to-end encryption, biometric login and transaction PINs to protect user and data funds. Fast & Reliable Delivery Options: choose from multiple payout methods – bank deposit, mobile wallet, cash pickup. Instant Money Transfers: send and receive money instantly with competitive exchange rates and low fees. Bill Payments. Mobile Top-ups & recharges. QR code Payments Make seamless in-store payments via QR codes. Transactions History & Reports, view detailed transaction records and generate reports for personal or business tracking. Digital Receipts & Notifications, get real-time notifications and digital receipts for every transaction. Secure Transactions, End-to-end encryption, biometric login, and transaction PIN to protect user data and funds

Screenshots

Matensa4 screens
MTM pay4 screens

Verdict

The call

The clearest difference is rating: Matensa at 5.0 against MTM pay's 3.0. Matensa also leads on ratings volume (3 vs 1). On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Matensa holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 3 and 1 respectively.

UpkeepUpdate frequency

Matensa ships an update every 10 days, MTM pay fortnightly. The most recent releases landed on September 25, 2026 and August 14, 2026 respectively.

Scorecard2 real differences · 8 level
Matensa versus MTM pay: the parameters behind the verdict, then further details
ParameterMatensaMTM pay
PriceFreeFree
Rating5.0 (3 ratings) — better3.0 (1 ratings)
Positive reviews—0.0% of reviews
Number of ratings3 — better1
Update frequencyEvery 10 days — betterFortnightly
AdsYesYes
In-app purchasesNoNo
MonetizationAd-supportedAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size130 MB76 MB
Age rating4+4+
DeveloperARAB WORLD TECHNOLOGIES S.A.R.LMTM S.A.L

Customer experience

Matensa

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

MTM pay

All ratings1 ratings
Positive0.0%
Neutral100.0%
Negative0.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

In-app purchases

None

Matensa

No in-app purchases

None

MTM pay

No in-app purchases

Questions

Is Matensa free?
Matensa is free to download, with no in-app purchases.
Is MTM pay free?
MTM pay is free to download, with no in-app purchases.
Which has better reviews, Matensa or MTM pay?
Matensa is rated higher. Matensa averages 5.0 out of 5 from 3 ratings, while MTM pay averages 3.0 from 1 ratings.
Do Matensa or MTM pay have ads?
Both Matensa and MTM pay show ads.
Which is updated more often, Matensa or MTM pay?
Matensa ships an update every 10 days, and MTM pay fortnightly. Most recently, Matensa was updated on September 25, 2026 and MTM pay on August 14, 2026.

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