Comparison

RTN Smart vs Mpayz

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

Head to head
About

RTN Smart

This app enables quick, secure, and cashless transactions using QR codes. It also offers digital ATM cash withdrawals and a loyalty program for earning rewards and exclusive discounts.

Highlights
  • QR code payments
  • Contactless transactions
  • Digital ATM cash withdrawals
  • Loyalty program
  • Earn reward points
  • Exclusive discounts
  • Send gift cards
Read full description

Welcome to RTN Smart - The USA's First QR Payment System! Experience the future of cashless and contactless payments with RTN Smart, the cutting-edge mobile payment app that revolutionizes the way you make transactions! Say goodbye to the inconvenience of carrying debit/credit cards or wallets and say hello to quick, secure, and hassle-free payments using just your phone. The Power of QR Code Payments RTN Smart utilizes Quick Response (QR) codes, the next-generation two-dimensional barcodes, to simplify your payment experience. By scanning the QR code displayed at merchants' locations, you can instantly complete transactions with ease. The QR code contains all essential transaction details, including the amount, merchant ID, and customer ID, ensuring swift and seamless payments. RTN Digital ATM: A New Era of Cash Withdrawals No need to visit physical ATMs anymore! With RTN Digital ATM, you can withdraw cash effortlessly from thousands of RTN-approved locations using your phone's QR code scanner. It's a fast, convenient, and secure way to access your money whenever you need it. Embrace the future of cash withdrawals with RTN Digital ATM! RTN Loyalty Program: Unlock Exclusive Rewards Make every purchase rewarding with our all-new loyalty program! Scan, pay, and earn reward points with each transaction. As a loyal customer, you'll gain access to exclusive coupons, gift cards, reward points, and special discounts on every purchase. The more you shop, the more you'll save. Join our loyalty program today and start earning exciting rewards with every purchase! Embrace the convenience and security of RTN Smart, RTN Digital ATM, and our enticing loyalty program. It's time to step into a future where payments are faster, smarter, and more rewarding with every transaction. Plus, they can even send RTN gift cards to their loved ones! Our app is simple, fast, and secure, allowing you to have a worry-free payment experience. RTN Smart has you covered any time, any place, whether you're paying at a store or withdrawing cash. So why wait? Download RTN Smart today and discover the future of payments. Join the thousands of satisfied customers who have already experienced the difference with RTN Smart. Feel the future! Feel the difference!

About

Mpayz

Features
Read full description

Provide a seamless payment experience to your customers using QR codes. Complete the registration and ACH account enrollment and you're all set! Enter an amount to generate a unique QR code that is displayed on your mobile screen. A customer will scan the QR code with the Payzee app installed on their smartphone and complete the payment. In seconds! Additional features include: Alternate Tipping flow for Restaurants Manage Employees Privilege Management Security Timeouts Transaction reversal flow for disputes Merchant Reporting Transaction search and history

Screenshots

RTN Smart4 screens
Mpayz4 screens

Verdict

The call

RTN Smart and Mpayz are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

UpkeepUpdate frequency

RTN Smart ships an update fortnightly, Mpayz weekly. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

ScorecardNo meaningful differences
RTN Smart versus Mpayz: the parameters behind the verdict, then further details
ParameterRTN SmartMpayz
PriceFreeFree
Rating5.0 (6 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings6 — better—
Update frequencyFortnightlyWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS13.012.0 — better
Further details — not scored
Size125 MB31 MB
Age rating17+17+
DeveloperRealTime NetworkingEpigwaitt Solutions LLC

In-app purchases

None

RTN Smart

No in-app purchases

None

Mpayz

No in-app purchases

Questions

Is RTN Smart free?
RTN Smart is free to download, with no in-app purchases.
Is Mpayz free?
Mpayz is free to download, with no in-app purchases.
Do RTN Smart or Mpayz have ads?
Neither RTN Smart nor Mpayz shows ads.
Which is updated more often, RTN Smart or Mpayz?
RTN Smart ships an update fortnightly, and Mpayz weekly. Most recently, RTN Smart was updated on November 3, 2026 and Mpayz on October 30, 2026.

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