Comparison

Merchants Mobile vs Paymode

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

Head to head
About

Merchants Mobile

This app provides policyholders with essential travel information and allows them to report automobile claims directly from their mobile device. It offers real-time accident documentation, access to policy details, and guidance on roadside assistance.

Highlights
  • Report auto claims
  • Document accidents in real-time
  • Access auto policy information
  • Retrieve vehicle and driver details
  • Get roadside assistance information
  • Contact claims service
Features
Read full description

Merchants Mobile gives Merchants Insurance Group’s policyholders access to important travel information while on the go, and allows them to document and report automobile claims on the spot in the event of an accident. Merchants Mobile lets you: • Contact Merchants’ claims service • Report an auto glass claim • Connect to your auto policy information online to retrieve vehicle & driver information • Document and report an auto accident claim in real-time • Know what to do in the event of an accident • Know how to get roadside assistance 
In order to use all features of Merchants Mobile you must: • Be a Merchants Insurance Group customer • Be enrolled and registered on www.merchantsgroup.com If you are have trouble downloading or using Merchants Mobile, please contact our toll-free support line at (800) 362-3343.

About

Paymode

Manage payments and invoices on the go with two distinct experiences for payers and vendors. Approve, reject, and track transactions, upload invoices, and gain insights into your financial activity. Securely receive payments and monitor their status.

Highlights
  • Approve/reject payments and invoices
  • Track payment history and trends
  • Upload invoices via email, files, or camera
  • Code invoices and allocate costs
  • Gain personalized financial insights
  • Search for payments and invoices
  • Secure vendor payment reception
Read full description

This app offers two experiences for our users—a payer experience and a vendor experience. The payer experience features ways to: Take action on your payments: • Approve / reject payments and payments within a payment file on the go • Filter payments by status, date, account, payment method, and more Track your payments: • View your payment history and trends at a glance • Get personalized insights based on your payments • Save money by keeping track of expiring card payments • View payments awaiting your approval, in process, and in exceptions Upload invoices on the go: • Effortlessly upload invoices from your email, files, or capture with your mobile device’s built-in camera Take action on your invoices: • Approve / reject invoices – both individually and in bulk – on the go • Filter invoices by invoice status, vendor name, invoice number, payer company, and more • Code invoices – quickly and accurately allocate costs directly within the system Track your invoices: • Get personalized insights based on your invoices • Save money by keeping track of available early-pay discounts • View invoices for approval and in final review states • Access a PDF preview of any invoice to ensure your information is legitimate and accurate • View your invoice history and trends at a glance • View invoice workflow, access and upload associated documents, and add internal comments easily Search for payments and invoices: • Effortlessly search for payments and invoices directly from the homepage using global search functionality Manage your account: • Switch between multiple memberships The vendor experience features ways to: • Receive payments easily and securely • Log in securely with biometric capabilities • Monitor your payment tracker • Gain insights into payment statuses • Review historical payments and remittance

Screenshots

Merchants Mobile3 screens
Paymode4 screens

Verdict

The call

The clearest difference is rating: Paymode at 3.7 against Merchants Mobile's 1.3. Paymode also leads on review sentiment (29% vs 10%). Merchants Mobile's advantage is ratings volume (60 vs 11) and iOS requirement (11.0 vs 16.6). On price, update cadence, 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

Paymode holds the better App Store score, 3.7 against 1.3. That said, the two scores are not equally well evidenced: Merchants Mobile has 60 ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 10% of Merchants Mobile's written reviews are positive against 29% of Paymode's.

UpkeepUpdate frequency

Merchants Mobile ships an update every 5 months, Paymode every 3 months. The most recent releases landed on October 14, 2026 and September 30, 2026 respectively.

Scorecard4 real differences · 6 level
Merchants Mobile versus Paymode: the parameters behind the verdict, then further details
ParameterMerchants MobilePaymode
PriceFreeFree
Rating1.3 (60 ratings)3.7 (11 ratings) — better
Positive reviews10.0% of reviews28.6% of reviews — better
Number of ratings60 — better11
Update frequencyEvery 5 monthsEvery 3 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS11.0 — better16.6
Further details — not scored
Size11 MB55 MB
Age rating4+4+
DeveloperWavespawnBottomline Technologies

Customer experience

Merchants Mobile

All ratings60 ratings
Positive6.7%
Neutral0.0%
Negative93.3%
Written reviews30 reviews
Positive10.0%
Neutral0.0%
Negative90.0%

Paymode

All ratings11 ratings
Positive63.6%
Neutral9.1%
Negative27.3%
Written reviews7 reviews
Positive28.6%
Neutral0.0%
Negative71.4%

In-app purchases

None

Merchants Mobile

No in-app purchases

None

Paymode

No in-app purchases

Questions

Is Merchants Mobile free?
Merchants Mobile is free to download, with no in-app purchases.
Is Paymode free?
Paymode is free to download, with no in-app purchases.
Which has better reviews, Merchants Mobile or Paymode?
Paymode is rated higher. Merchants Mobile averages 1.3 out of 5 from 60 ratings, while Paymode averages 3.7 from 11 ratings.
Do Merchants Mobile or Paymode have ads?
Neither Merchants Mobile nor Paymode shows ads.
Which is updated more often, Merchants Mobile or Paymode?
Merchants Mobile ships an update every 5 months, and Paymode every 3 months. Most recently, Merchants Mobile was updated on October 14, 2026 and Paymode on September 30, 2026.

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