Comparison

MCTPay vs Spay Fintech

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

Head to head
About

MCTPay

Features
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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.

About

Spay Fintech

Features
Read full description

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. We’re 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

Spay Fintech4 screens

Verdict

The call

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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

UpkeepUpdate frequency

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.

Scorecard2 real differences Β· 4 level
MCTPay versus Spay Fintech: the parameters behind the verdict, then further details
ParameterMCTPaySpay Fintech
PriceFreeFree
Update frequencyEvery 10 days β€” betterEvery 9 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.415.0 β€” better
Further details β€” not scored
Size9 MB1 MB
Age rating4+4+
DeveloperMOBILE COMMUNITY TECH PTE LTDSPAY FINTECH PRIVATE LIMITED

In-app purchases

None

MCTPay

No in-app purchases

None

Spay Fintech

No in-app purchases

Questions

Is MCTPay free?
MCTPay is free to download, with no in-app purchases.
Is Spay Fintech free?
Spay Fintech is free to download, with no in-app purchases.
Do MCTPay or Spay Fintech have ads?
Neither MCTPay nor Spay Fintech shows ads.
Which is updated more often, MCTPay or Spay Fintech?
MCTPay ships an update every 10 days, and Spay Fintech every 9 months. Most recently, MCTPay was updated on October 25, 2026 and Spay Fintech on October 17, 2026.

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