# Spay Fintech vs MCTPayVA

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.

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

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

## The numbers

| Metric | Spay Fintech | MCTPayVA |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 months | **Every 4 months** |
| Size | 1 MB | 38 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [SPAY FINTECH PRIVATE LIMITED](https://appshunter.io/developer/1656369492) | [MOBILE COMMUNITY TECH PTE LTD](https://appshunter.io/developer/1626416581) |

## What reviewers say

### Spay Fintech

[App page](https://appshunter.io/ios/app/spay-fintech/id6444719057)

**Features:** macOS Compatibility

**In-app purchases:** none


### MCTPayVA

[App page](https://appshunter.io/ios/app/mctpayva/id6480231207)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*