Comparison

E2Pay vs IB CAP

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

Head to head
About

E2Pay

This mobile money platform allows users to conduct financial transactions from anywhere, anytime, with high security standards. It offers convenient access to financial services for both banked and unbanked individuals, aiming to enhance digital life through various payment options.

Highlights
  • Secure financial transactions
  • Internal and global transfers
  • Bill payment services
  • Access for banked and unbanked
  • Digital payment solutions
Features
Read full description

E2Pay Consumer App. is a mobile money platform serviced by ETL Digital Fintech Company Limited Sole Co., Ltd which is a joint venture operated under ETL. Our primary goal is to assist you to make financial transactions on your smart-phone from everywhere, to everyone and any time with the security standards. E2Pay customers can access financial services conveniently with bank account and unaccounted bank, and E2Pay will help you experience "More Smart Life in Digital Era" We intent to provide the convenience in the digital world and our main services are internal and global financial transactions, Transfer, bill payment in facility services and other electronic payment. To become a leading Fintech company, we are also developing and integrating many functions of ETL and Fintech into one powerful application as E2Pay. The customers can play a vital role in promoting the development of Lao Nation's economy towards digital life, which is a part of building transparency, monitoring to following and modernizing.

About

IB CAP

Manage corporate banking transactions securely from anywhere. Review account balances, transfer funds, pay bills, and recharge mobile services. Supports multiple users and company subsidiaries.

Highlights
  • Account management
  • Fund transfers
  • Bill payments
  • Mobile recharge
  • Payroll uploads
  • Multi-user support
Features
Read full description

IB CAP is a Corporate Banking for companies subsidiary companies with multiple users. could be a multi-national group of companies with several subsidiary companies with multiple users. Say "IB CAP" to Corporate financial transactions on your hand from anywhere and any time plus security in place. Services: Login • via Username and Password • via SMS OTP Manage Your Bank Accounts and Finances • Review activity and balances in checking, savings, current, loan, deposit, and Debit card accounts. • Transfer history, Three month Transfer, view statement. Fund Transfer • Securely send and receive money To own or other IB Accounts. • Can Fund Transfer to another Bank. Bill Pay • Electricity, Water, Telco, Aeon, Insurance • Payment History. Mobile Pay • Recharge your prepaid/postpaid mobile. • Payment History. Payment Upload • can be uploaded multi-account for Fund transfer. Payroll Upload • can be uploaded multi-account for Salary. Settings • Set Profile picture • Change App Login Password

Screenshots

E2Pay3 screens
IB CAP4 screens

Verdict

The call

The clearest difference is rating: IB CAP at 5.0 against E2Pay's 3.5. IB CAP also leads on iOS requirement (12.0 vs 14.0). E2Pay's advantage is update cadence (every 9 days vs every 3 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

IB CAP holds the better App Store score, 5.0 against 3.5. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

UpkeepUpdate frequency

E2Pay ships an update every 9 days, IB CAP every 3 months. Both last shipped on November 3, 2026.

Scorecard3 real differences · 6 level
E2Pay versus IB CAP: the parameters behind the verdict, then further details
ParameterE2PayIB CAP
PriceFreeFree
Rating3.5 (2 ratings)5.0 (1 ratings) — better
Number of ratings2 — better1
Update frequencyEvery 9 days — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS14.012.0 — better
Further details — not scored
Size89 MB64 MB
Age rating4+17+
DeveloperETL COMPANY LIMITEDIndochina Bank Ltd.

In-app purchases

None

E2Pay

No in-app purchases

None

IB CAP

No in-app purchases

Questions

Is E2Pay free?
E2Pay is free to download, with no in-app purchases.
Is IB CAP free?
IB CAP is free to download, with no in-app purchases.
Which has better reviews, E2Pay or IB CAP?
IB CAP is rated higher. E2Pay averages 3.5 out of 5 from 2 ratings, while IB CAP averages 5.0 from 1 ratings.
Do E2Pay or IB CAP have ads?
Neither E2Pay nor IB CAP shows ads.
Which is updated more often, E2Pay or IB CAP?
E2Pay ships an update every 9 days, and IB CAP every 3 months. Most recently, E2Pay was updated on November 3, 2026 and IB CAP on November 3, 2026.

Other comparisons