Arival vs Merchant.app
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Arival
A digital banking platform for global businesses and individuals. Open accounts online, manage multiple entities, and conduct seamless domestic and cross-border transactions. Offers enhanced security and premium account options.
- Online account opening
- Multi-entity account management
- Domestic and cross-border payments
- Transaction history tracking
- Enhanced security features
- Premium account options
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Arival is a digital bank for global businesses and individuals. Open your bank accounts 100% online and remotely. Transform your financial experience with our cutting-edge banking tools and join our worldwide community today. GLOBAL CHECKING TO KEEP YOU IN CHECK. Manage your company cash flow through your Arival checking accounts. Under one login, create, manage, and seamlessly toggle between multiple accounts and entities. PAY & GET PAID EFFORTLESSLY. Say hello to your new powerful money movement tool. Make domestic and cross-border transactions to pay suppliers, vendors, and receive payments from clients. Schedule payments, download statements, track and filter transaction history. ONBOARD FROM ACROSS THE GLOBE. EASILY. Arival’s mission is to give businesses and individuals the tools to manage and grow their finances from anywhere in the world. We’ve made our onboarding process simple and seamless. Get started today. LICENSED & REGULATED. Arival Bank is a US-based bank licensed and regulated by the Office of the Commissioner of Financial Institutions (OCIF). ENHANCED SECURITY & TRUST. We use 2-Factor Authentication, advanced encryption and perform regular system reviews to keep your data secure. Our safety system is SOC2 compliant, 256 Bit encrypted, and monitored, which means your assets are always safe with Arival Bank. WE'VE GOT YOUR BACK. We have a global team working from nearly ten countries striving to provide you with timely support and the best customer experience. GET FANCY WITH PREMIUM ACCOUNTS. Unlock premium customer support, dedicated account managers, cheaper transactions, and free transfers with Arival premium accounts. Learn more at arival.com
Merchant.app
This app streamlines payment processing for businesses, allowing for quick transactions via terminal, text, or email. It offers a real-time dashboard to monitor all business transactions and refunds, ensuring secure and efficient customer payments.
- Process payments via terminal, text, or email
- Lightning-fast transactions
- Customer payments via phone or email
- Real-time transaction dashboard
- Refund tracking
- Industry-leading data security
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An ideal system for businesses, Merchant Platforms will help you process your payments and impress your customers through terminal, text or email payment prompts and lightning-fast transactions. Customers can make payments instantly through their phone or email without the hassle of credit card authorization forms. A dashboard with real-time updates helps you keep track of all the transactions and refunds within your business. Merchants and customers can rest assured that each payment is kept safe and secure through industry-leading data security standards.
Screenshots
Verdict
The clearest difference is review sentiment: Merchant.app at 50% against Arival's 0%. Merchant.app also leads on rating (5.0 vs 3.8) and iOS requirement (13.4 vs 17.0). 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.
Merchant.app holds the better App Store score, 5.0 against 3.8. Both are backed by a comparable volume of ratings — 10 and 6 respectively. Written reviews point the same way: 0% of Arival's written reviews are positive against 50% of Merchant.app's.
Arival ships an update every 3 weeks, Merchant.app every 2 weeks. The most recent releases landed on September 18, 2026 and July 8, 2026 respectively.
| Parameter | Arival | Merchant.app |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (10 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 0.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 10 — better | 6 |
| Update frequency | Every 3 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 17.0 | 13.4 — better |
| Further details — not scored | ||
| Size | 126 MB | 84 MB |
| Age rating | 4+ | 4+ |
| Developer | Arivalbank | Merchant Platforms, Inc. |
Customer experience
Arival
Merchant.app
In-app purchases
Arival
No in-app purchases
Merchant.app
No in-app purchases









