Matensa vs MTM pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- 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
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Matensa ships an update every 10 days, MTM pay fortnightly. The most recent releases landed on September 25, 2026 and August 14, 2026 respectively.
| Parameter | Matensa | MTM pay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | 3.0 (1 ratings) |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 3 — better | 1 |
| Update frequency | Every 10 days — better | Fortnightly |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 130 MB | 76 MB |
| Age rating | 4+ | 4+ |
| Developer | ARAB WORLD TECHNOLOGIES S.A.R.L | MTM S.A.L |
Customer experience
Matensa
MTM pay
In-app purchases
Matensa
No in-app purchases
MTM pay
No in-app purchases








