MCTPay vs InstaWally
Price, ratings, monetisation and update history for both apps, side by side โ 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.
InstaWally
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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
Verdict
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
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, InstaWally every 3 months. The most recent releases landed on October 3, 2026 and October 10, 2026 respectively.
| Parameter | MCTPay | InstaWally |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 10 days โ better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 17.4 | 13.4 โ better |
| Further details โ not scored | ||
| Size | 9 MB | 203 MB |
| Age rating | 4+ | 4+ |
| Developer | MOBILE COMMUNITY TECH PTE LTD | DCS Card Centre Pte Ltd |
In-app purchases
MCTPay
No in-app purchases
InstaWally
No in-app purchases









