# MC Pay vs Karat Financial

The clearest difference is monetization model: Karat Financial at free against MC Pay's ad-supported. MC Pay's advantage is ratings volume (45 vs 9) and iOS requirement (15.1 vs 18.0). On price, rating, update cadence and ads there is nothing between them.

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

Karat Financial holds the better App Store score, 4.6 against 4.4. That said, the two scores are not equally well evidenced: MC Pay has 45 ratings behind it against 9, so its average is the more settled of the two.

MC Pay ships an update fortnightly, Karat Financial every 2 weeks. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | MC Pay | Karat Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (45 ratings)](https://appshunter.io/ios/app/mc-pay/id1624232502/reviews) | **[4.6 (9 ratings)](https://appshunter.io/ios/app/karat-financial/id6756500452/reviews)** |
| Number of ratings | **45** | 9 |
| Positive reviews | 77.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 2 weeks |
| Monetization | Ad-supported | **Free** |
| Size | 76 MB | 95 MB |
| Requires iOS | **15.1** | 18.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [MEDIACUBE WORLDWIDE LTD](https://appshunter.io/developer/1624232504) | [Karat](https://appshunter.io/developer/1860980391) |

## What reviewers say

### MC Pay

[App page](https://appshunter.io/ios/app/mc-pay/id1624232502)

Manage your YouTube and Facebook creator revenue conveniently and securely. Get express payouts, utilize over 10 payment methods, and consolidate advertising deals. Access professional channel services to save time for creativity.

**Highlights:** Express payouts, 10+ payment methods, Manage advertising deals, Channel services, Secure revenue management

**In-app purchases:** none


### Karat Financial

[App page](https://appshunter.io/ios/app/karat-financial/id6756500452)

A modern business banking app for creators and entrepreneurs. It allows users to manage finances, track transactions, and send/receive transfers instantly. Take control of your creator business finances with this tool.

**Highlights:** Manage business finances, Track transactions and spending, Real-time transaction monitoring, Send and receive transfers instantly, Designed for creators and entrepreneurs

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

**In-app purchases:** none


## Frequently asked questions

### Is MC Pay free?

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

### Is Karat Financial free?

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

### Which has better reviews, MC Pay or Karat Financial?

Karat Financial is rated higher. MC Pay averages 4.4 out of 5 from 45 ratings, while Karat Financial averages 4.6 from 9 ratings.

### Do MC Pay or Karat Financial have ads?

Neither MC Pay nor Karat Financial shows ads.

### Which is updated more often, MC Pay or Karat Financial?

MC Pay ships an update fortnightly, and Karat Financial every 2 weeks. Most recently, MC Pay was updated on November 3, 2026 and Karat Financial on November 5, 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.*