Comparison

Spay Fintech vs MCTPayVA

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

Head to head
About

Spay Fintech

Features
Read full description

You can use various alternative payment channels for your multi-purpose transaction. Our full-stack, in-house, built-rich payment, which holds various alternative payments, could be your new mobile wallet. We’re an award-winning payment aggregator, we also are the supplier. Our passion for payment gateway pushed us to the extent of possibilities that can help the world of emerging businesses to emerge even more. We like startups and SMEs, and our platform is based designed for their needs. An application that your non-tech parents also can use. Our mission is to build connections that do not include any fragmentation in the e-commerce ecosystem. We make these connections to enable our customers to go cashless, digitizing how they accept payments. You can use various alternative payment channels for your multi-purpose transaction. Our full-stack, in-house, built-rich payment, which holds various alternative payments, could be your new mobile wallet.

About

MCTPayVA

Features
Read full description

Since 2015, MCTPAY has helped companies in Singapore to receive payments online and offline in the simplest way. Today, MCTPAY is one of the leading payment provider solutions in Singapore and South East Asia region. Combined Fiat Currency Payment and Crypto Currency Payment.

Screenshots

Spay Fintech4 screens
MCTPayVA2 screens

Verdict

The call

The clearest difference is update cadence: MCTPayVA at every 4 months against Spay Fintech's every 9 months. MCTPayVA also leads on iOS requirement (12.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Spay Fintech ships an update every 9 months, MCTPayVA every 4 months. Both last shipped on October 27, 2026.

Scorecard2 real differences Β· 4 level
Spay Fintech versus MCTPayVA: the parameters behind the verdict, then further details
ParameterSpay FintechMCTPayVA
PriceFreeFree
Update frequencyEvery 9 monthsEvery 4 months β€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod β€” better
Requires iOS15.012.0 β€” better
Further details β€” not scored
Size1 MB38 MB
Age rating4+4+
DeveloperSPAY FINTECH PRIVATE LIMITEDMOBILE COMMUNITY TECH PTE LTD

In-app purchases

None

Spay Fintech

No in-app purchases

None

MCTPayVA

No in-app purchases

Questions

Is Spay Fintech free?
Spay Fintech is free to download, with no in-app purchases.
Is MCTPayVA free?
MCTPayVA is free to download, with no in-app purchases.
Do Spay Fintech or MCTPayVA have ads?
Neither Spay Fintech nor MCTPayVA shows ads.
Which is updated more often, Spay Fintech or MCTPayVA?
Spay Fintech ships an update every 9 months, and MCTPayVA every 4 months. Most recently, Spay Fintech was updated on October 27, 2026 and MCTPayVA on October 27, 2026.

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