Comparison

MCTPay vs InstaWally

Price, ratings, monetisation and update history for both apps, side by side โ€” 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

InstaWally

Features
Read full description

InstaWally for Fintechs and Businesses - A proprietary white-label wallet app designed to streamline payments for businesses and their customers on a single platform. - Easily set up your own wallet program with integrated payment features, including credit card issuing, top-ups via bank transfers, and digital assets. Launch your customer loyalty program hassle-free. - Tailor the wallet experience with your brand colors and design to ensure a consistent brand identity. - Save on resources by leveraging our platform, eliminating the need for your own infrastructure to manage the wallet app. About Us DCS Innov emerged from the vision of DCS Card Centre to spearhead payment innovation within Singapore and the region. We benefit from several operational strengths of DCS Card Centre as an established financial institution that is regulated under the Banking Act. These include its regulatory licenses, cards and payments infrastructure, as well as risk and compliance processes. All of which can now be harnessed within a single stop shop at Innov. For fintechs/businesses who would like to request for a demo, please visit www.dcsinnov.com.

Screenshots

InstaWally4 screens

Verdict

The call

The clearest difference is update cadence: MCTPay at every 10 days against InstaWally's every 3 months. InstaWally's advantage is iOS requirement (13.4 vs 17.4). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท 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, InstaWally every 3 months. The most recent releases landed on October 3, 2026 and October 10, 2026 respectively.

Scorecard2 real differences ยท 4 level
MCTPay versus InstaWally: the parameters behind the verdict, then further details
ParameterMCTPayInstaWally
PriceFreeFree
Update frequencyEvery 10 days โ€” betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.413.4 โ€” better
Further details โ€” not scored
Size9 MB203 MB
Age rating4+4+
DeveloperMOBILE COMMUNITY TECH PTE LTDDCS Card Centre Pte Ltd

In-app purchases

None

MCTPay

No in-app purchases

None

InstaWally

No in-app purchases

Questions

Is MCTPay free?
MCTPay is free to download, with no in-app purchases.
Is InstaWally free?
InstaWally is free to download, with no in-app purchases.
Do MCTPay or InstaWally have ads?
Neither MCTPay nor InstaWally shows ads.
Which is updated more often, MCTPay or InstaWally?
MCTPay ships an update every 10 days, and InstaWally every 3 months. Most recently, MCTPay was updated on October 3, 2026 and InstaWally on October 10, 2026.

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