Comparison

1stPayMobile vs HBL Microfinance

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

Head to head
About

1stPayMobile

Accept credit card payments anywhere with this mobile solution. It securely processes transactions, captures signatures, and sends digital receipts. Ideal for businesses and nonprofits needing flexible payment options on the go.

Highlights
  • Swipe or key credit card payments
  • Secure mobile payments
  • Signature capture
  • Email and text receipts
  • Offline transaction processing
  • Recurring billing
  • Mobile report summaries
Features
Read full description

Swipe credit cards and get paid anywhere whether on the go, at an event, upon delivery or during a service call with 1stPayMobile. Don’t lose anymore business and get paid quickly by accepting credit card payments anywhere with 1stPayMobile 

1stPayMobile allows you to swipe or key credit card payments with your iPhone, iPad or iPod Touch. It is a secure mobile payments solution for businesses and nonprofits that is configurable to meet unique business needs. 1stPayMobile is a cost effective way to accept credit cards from any location. 

 
 FREE Unlimited Boutique Style Customer Service and Technical Support Download 1stPayMobile for Free 
Learn More - Call 1-888-810-7800 

 1stPayMobile is powered by GoEmerchant, an industry leader since 1995. Features:
 • Free App
 • End to End Encryption exceeding PCI compliance standards
 • Signature Capture 
 • Automatically add Tax & Tips
 • Adjustable Tax
 • Custom Tip by Dollar Amount or Percentage
 • Email Receipts with Geo-Location on Map
 • Text Message Receipts with Geo-Location on Map
 • Blue Bamboo Mobile Receipt Printer
 • Star Receipt Printer and Cash Drawer
 • Recurring Billing for Businesses and Not for Profits
 • Multi-MID, Multi-Location 
 • Store & Forward for Offline Transaction Processing
 • Mobile Report Summaries & Transaction Query

 Web Portal for: 
 • Administration of Users 
 • Powerful & Configurable App Functionality 
 • Unlimited Custom Data Capture
 • Detailed and Summary Reporting 
 • Portable Bluetooth Printer available 

 Transactions Supported: 
 • Sale
 • Authorization (Pre-Auth) 
• Voice Authorization 
• Account Verification 
• Refund 
• Void Reversals
 • Settle Please note: If Using Audio Port Card Readers (uDynamo, UniMag II, Roam Pay), when updating to iOS 7, you must allow the App to have access to your microphone.
To check this setting on your mobile device, go to Settings -> Privacy -> Microphone and check to make sure it’s enabled.

About

HBL Microfinance

Manage your finances with this all-in-one banking and mobile wallet app. Send money, pay bills, recharge your phone, and apply for instant digital loans securely. Open a digital account and wallet for convenient mobile banking.

Highlights
  • Send and receive money instantly
  • Pay utility bills digitally
  • Recharge mobile load and bundles
  • Apply for instant digital loans
  • Manage bank account and debit card
  • Open digital bank account and wallet
Features
Read full description

Best Online Banking & Mobile Wallet App in Pakistan – HBL Microfinance Bank App Experience the future of digital banking in Pakistan with HBL Microfinance Bank App— the best online banking and mobile wallet app in Pakistan that combines Banking + Wallet services in one secure app. Send money, receive funds, pay bills, recharge mobiles, apply for instant digital loans, manage your bank account, and control your debit card all from your smartphone, anytime, anywhere in Pakistan. Open your digital bank account and wallet today and enjoy secure, fast, and convenient mobile banking. All-in-One Banking & Mobile Wallet App in Pakistan HBL Microfinance Bank allows you to manage both your bank account and mobile wallet seamlessly in one app, giving you complete control of your finances through secure digital banking services. Instant Money Transfer & Fund Transfer App Send and receive money instantly across Pakistan: • Transfer money to any bank account in Pakistan • Send money to mobile wallet users • Transfer funds within HBL Microfinance Bank accounts • Secure and instant 24/7 digital transactions One of the fastest and safest online money transfer apps in Pakistan. Mobile Load & Internet Bundle Recharge Recharge your mobile anytime: • Prepaid and postpaid mobile load for all networks • Internet and call bundles for Telenor & Ufone • Instant mobile recharge with secure payment The easiest mobile load and bundle recharge app in Pakistan. Online Utility Bill Payment App Pay all your bills digitally in seconds: • Electricity bill payment • Gas bill payment • Water bill payment • PTCL & internet bill payment • Multiple utility services supported Avoid long queues with one of the most reliable bill payment apps in Pakistan. Instant Nano Loans – Quick Digital Loan in Pakistan Get instant access to emergency funds with HBL Microfinance Bank App Nano Loan: • Apply digitally without paperwork • Get instant loan approval • Receive up to PKR 15,000 directly in your wallet • Flexible repayment options One of the most convenient instant loan apps in Pakistan. FPIN Your secure key to access and authorize transactions on your HBL Microfinance Bank app. Complete Bank Account Management Link and manage your HBL Microfinance Bank account digitally: • Real-time balance checking • Transaction history and account statements • Utility bill payments from bank account • Cheque book requests and tracking • Stop cheque facility • Tax certificate and account maintenance services • Dynamic QR payments • View profits, financing, and loan details

Screenshots

1stPayMobile4 screens
HBL Microfinance4 screens

Verdict

The call

The clearest difference is rating: 1stPayMobile at 3.7 against HBL Microfinance's 3.4. 1stPayMobile also leads on review sentiment (33% vs 17%) and iOS requirement (9.2 vs 15.6). HBL Microfinance's advantage is update cadence (every 2 months vs every 5 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

1stPayMobile holds the better App Store score, 3.7 against 3.4. Both are backed by a comparable volume of ratings — 23 and 21 respectively. Written reviews point the same way: 33% of 1stPayMobile's written reviews are positive against 17% of HBL Microfinance's.

UpkeepUpdate frequency

1stPayMobile ships an update every 5 months, HBL Microfinance every 2 months. The most recent releases landed on October 7, 2026 and October 6, 2026 respectively.

Scorecard4 real differences · 6 level
1stPayMobile versus HBL Microfinance: the parameters behind the verdict, then further details
Parameter1stPayMobileHBL Microfinance
PriceFreeFree
Rating3.7 (23 ratings) — better3.4 (21 ratings)
Positive reviews33.3% of reviews — better16.7% of reviews
Number of ratings23 — better21
Update frequencyEvery 5 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS9.2 — better15.6
Further details — not scored
Size50 MB201 MB
Age rating4+4+
Developer1stPayGateway, LLCFMFB Pakistan

Customer experience

1stPayMobile

All ratings24 ratings
Positive66.7%
Neutral8.3%
Negative25.0%
Written reviews6 reviews
Positive33.3%
Neutral16.7%
Negative50.0%

HBL Microfinance

All ratings21 ratings
Positive57.1%
Neutral4.8%
Negative38.1%
Written reviews6 reviews
Positive16.7%
Neutral33.3%
Negative50.0%

In-app purchases

None

1stPayMobile

No in-app purchases

None

HBL Microfinance

No in-app purchases

Questions

Is 1stPayMobile free?
1stPayMobile is free to download, with no in-app purchases.
Is HBL Microfinance free?
HBL Microfinance is free to download, with no in-app purchases.
Which has better reviews, 1stPayMobile or HBL Microfinance?
1stPayMobile is rated higher. 1stPayMobile averages 3.7 out of 5 from 23 ratings, while HBL Microfinance averages 3.4 from 21 ratings.
Do 1stPayMobile or HBL Microfinance have ads?
Neither 1stPayMobile nor HBL Microfinance shows ads.
Which is updated more often, 1stPayMobile or HBL Microfinance?
1stPayMobile ships an update every 5 months, and HBL Microfinance every 2 months. Most recently, 1stPayMobile was updated on October 7, 2026 and HBL Microfinance on October 6, 2026.

Other comparisons