# マイナPocket for MS＆AD vs PAYLY

The clearest difference is review sentiment: PAYLY at 100% against マイナPocket for MS＆AD's 17%. PAYLY also leads on update cadence (every 6 weeks vs every 5 months). マイナPocket for MS＆AD's advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and monetization model there is nothing between them.

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

マイナPocket for MS＆AD ships an update every 5 months, PAYLY every 6 weeks. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | マイナPocket for MS＆AD | PAYLY |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 16.7% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 16 MB | 57 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [NTT DATA GROUP CORPORATION](https://appshunter.io/developer/478236616) | [payly](https://appshunter.io/developer/1774250982) |

## What reviewers say

### マイナPocket for MS＆AD

[App page](https://appshunter.io/ios/app/pocket-for-msad/id1618720300)

This application allows users to declare and verify their My Number using the My Number card's functions. It provides a convenient way to manage personal identification information.

**Highlights:** My Number declaration, Identity verification, My Number card integration, Personal identification management

**In-app purchases:** none


### PAYLY

[App page](https://appshunter.io/ios/app/payly/id6736990922)

Manage your bills digitally with this app. Access past bills up to 18 months, share them with family, and simplify household finances. Go paperless and enjoy a clutter-free life.

**Highlights:** Digital bill access, Up to 18 months of history, Family bill sharing, Household finance management, Paperless lifestyle, Secure personal information

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is マイナPocket for MS＆AD free?

マイナPocket for MS＆AD is free to download, with no in-app purchases.

### Is PAYLY free?

PAYLY is free to download, with no in-app purchases.

### Do マイナPocket for MS＆AD or PAYLY have ads?

Neither マイナPocket for MS＆AD nor PAYLY shows ads.

### Which is updated more often, マイナPocket for MS＆AD or PAYLY?

マイナPocket for MS＆AD ships an update every 5 months, and PAYLY every 6 weeks. Most recently, マイナPocket for MS＆AD was updated on November 3, 2026 and PAYLY on November 4, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*