MCTPay vs Spay Fintech
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
MCTPay
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Since 2015, MCTPAY has helped companies in Singapore to receive payments online and offline in the simplest way. Today, MCTPAY is one of the leading payment provider solutions in Singapore and South East Asia region. Combined Fiat Currency Payment and Crypto Currency Payment.
Spay Fintech
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You can use various alternative payment channels for your multi-purpose transaction. Our full-stack, in-house, built-rich payment, which holds various alternative payments, could be your new mobile wallet. Weβre an award-winning payment aggregator, we also are the supplier. Our passion for payment gateway pushed us to the extent of possibilities that can help the world of emerging businesses to emerge even more. We like startups and SMEs, and our platform is based designed for their needs. An application that your non-tech parents also can use. Our mission is to build connections that do not include any fragmentation in the e-commerce ecosystem. We make these connections to enable our customers to go cashless, digitizing how they accept payments. You can use various alternative payment channels for your multi-purpose transaction. Our full-stack, in-house, built-rich payment, which holds various alternative payments, could be your new mobile wallet.
Screenshots
Verdict
The clearest difference is update cadence: MCTPay at every 10 days against Spay Fintech's every 9 months. Spay Fintech's advantage is iOS requirement (15.0 vs 17.4). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
MCTPay ships an update every 10 days, Spay Fintech every 9 months. The most recent releases landed on October 25, 2026 and October 17, 2026 respectively.
| Parameter | MCTPay | Spay Fintech |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 10 days β better | Every 9 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.4 | 15.0 β better |
| Further details β not scored | ||
| Size | 9 MB | 1 MB |
| Age rating | 4+ | 4+ |
| Developer | MOBILE COMMUNITY TECH PTE LTD | SPAY FINTECH PRIVATE LIMITED |
In-app purchases
MCTPay
No in-app purchases
Spay Fintech
No in-app purchases









