福卡 vs LM Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
福卡
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福卡是裕福支付有限公司发行和受理的全国性多用途预付费卡，福卡APP依托裕福支付系统和支付通道为用户提供福卡管理、线上裕福支付消费、商户查询、线下扫码或刷卡交易等服务，同时支持手机充值、生活缴费、企业预订单提交、ETC服务等功能。
LM Pay
This mobile payment assistant simplifies transactions for goods and services, offering discounts across various scenarios like ride-hailing, dining, and travel. It also facilitates secure money transfers between users with 24/7 encryption and transaction tracking.
- Discounted payments for goods and services
- Online and offline payment options
- Send and request money between users
- Multiple credit refill channels
- Secure transaction tracking
- VIP concierge services
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LM Pay brings you a new lifestyle. LM PAY App makes it easier to pay for goods and services with discounts in every scenario of your life. Whether it is ride-hailing, feasting, entertainments, traveling, booking a hotel or VIP concierge car, LM PAY would be your safe and convenient mobile payment assistant. You can send and request money amongst friends who are also LM PAY users！With 24/7 secure encryption technology, you can easily track every transaction and make payments with no worries. Key features: 1. Customer can make payment online and offline in various scenarios. 2. Customer can make online transfer and receive money. 3. Customer can have multiple channels to re-fill credit online and offline. 4. Customer can withdraw, settle payments.
Screenshots
Verdict
The clearest difference is rating: LM Pay at 5.0 against 福卡's 3.7. LM Pay also leads on iOS requirement (10.0 vs 16.0). On price, ratings volume, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
LM Pay holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 2 respectively.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 5, 2026 and October 20, 2026 respectively.
| Parameter | 福卡 | LM Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.7 (3 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 66.7% of reviews | — |
| Number of ratings | 3 — better | 2 |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 16.0 | 10.0 — better |
| Further details — not scored | ||
| Size | 64 MB | 172 MB |
| Age rating | 4+ | 4+ |
| Developer | YuFu Network Technology Co.,Ltd | LM PAY PLC |
Customer experience
福卡
LM Pay
In-app purchases
福卡
No in-app purchases
LM Pay
No in-app purchases
