FMBERLIN vs Privvy Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FMBERLIN
Manage your finances on the go with this mobile banking application. Access account balances and history, transfer funds, and pay bills conveniently from your iPhone or iPad. Locate nearby branches and ATMs with ease.
- View account balances
- Check transaction history
- Make fund transfers
- Pay bills
- Find nearby locations
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Farmers & Merchants (FMBERLIN) new mobile banking app for iPhone, iPad, and iPod gives you the power to access your accounts in the palm of your hand. You can view account balances and history, make transfers, pay bills, and even find a location near you. **Must be enrolled in online banking, then simply log into the app by using your online banking username and password.
Privvy Merchant
This app offers merchants a secure mobile platform to manage payments and view transaction details. Monitor processing activity, review totals, and process refunds directly from your device, ensuring you stay connected to your business finances anywhere.
- Secure merchant account access
- View recent transactions
- Monitor processing activity
- Review transaction totals
- Search transactions by date
- Process eligible refunds
- Access multiple accounts
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Privvy Merchant is a mobile payment management app designed for merchants using the Privvy platform. The app provides convenient access to important payment and transaction information directly from your iPhone. Merchants can securely sign in to their account, view recent transactions, monitor processing activity, review transaction totals, and manage payments while away from the office. Key features include: * Secure merchant account access * View recent transactions and payment activity * Review daily and year-to-date processing totals * Search transactions by date range * View transaction details * Process eligible refunds * Access multiple merchant accounts when available - Access Privvy Virtual Terminal and Issue Refunds Privvy Merchant gives business owners and managers a simple way to stay connected to their payment processing activity from anywhere.
Screenshots
Verdict
The clearest difference is update cadence: Privvy Merchant at every 3 days against FMBERLIN's every 3 months. Privvy Merchant also leads on monetization model (free vs free with in-app purchases) and iOS requirement (15.1 vs 17.0). FMBERLIN's advantage is ratings volume (417 vs 1). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Privvy Merchant holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: FMBERLIN has 417 ratings behind it against 1, so its average is the more settled of the two.
FMBERLIN ships an update every 3 months, Privvy Merchant every 3 days. The most recent releases landed on November 1, 2026 and October 8, 2026 respectively.
| Parameter | FMBERLIN | Privvy Merchant |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (417 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 87.5% of reviews | — |
| Number of ratings | 417 — better | 1 |
| Update frequency | Every 3 months | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, Apple Watch | iPhone, iPad, iPod |
| Requires iOS | 17.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 115 MB | 32 MB |
| Age rating | 4+ | 4+ |
| Developer | The Farmers & Merchants Bank (WI) | Defyne Payments |
Customer experience
FMBERLIN
Privvy Merchant
In-app purchases
FMBERLIN
No in-app purchases
Privvy Merchant
No in-app purchases
Questions
Is FMBERLIN free?
Is Privvy Merchant free?
Which has better reviews, FMBERLIN or Privvy Merchant?
Do FMBERLIN or Privvy Merchant have ads?
Which is updated more often, FMBERLIN or Privvy Merchant?
Other comparisons
