eCloud4 vs LubyPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
eCloud4
Easily manage your finances with quick QR code payments at supported merchants. Send and receive money to contacts using just an email address, and simplify bill splitting. This app offers a streamlined approach to everyday financial transactions.
- QR code payments
- Send/receive money via email
- Bill splitting
- Fast and easy transactions
- Merchant network payments
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Pay at our merchant's network, fast and easy with QR code payments, send and receive money to family and friends with just an email, split your bills, and more with eCloud4.
LubyPay
This mobile e-wallet simplifies daily transactions with secure, convenient cashless payments. It offers a multi-currency wallet, instant fund additions, and various money transfer options, aiming to give users control over their financial freedom.
- Secure and convenient payments
- Free multi-currency wallet
- Instant fund addition
- Send, request, and transfer money
- Multi-currency exchange
- Virtual card issuance
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LubyPay is a mobile e-wallet that aims to transform the way consumers transact on a daily basis. Luby Pay App allows its users to simplify the payment process. LubyPay is a secure and rewarding lifestyle e-wallet app. Our mission is to provide everyone with a worry-free cashless mobile payment experience all day every day. We aim to create a new generation of individuals to regain control of their financial freedom and rediscover value in financial services.. Important Features: - Convenient and secure payment - Free Multi-currency Wallet - Instantly add fund - Send Money - Request Money - Transfer Money - Multi-currency exchange service - Payout Services - Gift Card - Virtual Card
Screenshots
Verdict
The clearest difference is update cadence: LubyPay at every 2 weeks against eCloud4's every 2 months. On price, ads, in-app purchases and monetization model 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.
eCloud4 ships an update every 2 months, LubyPay every 2 weeks. The most recent releases landed on June 4, 2026 and July 9, 2026 respectively.
| Parameter | eCloud4 | LubyPay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | — | 1 — better |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 13.4 |
| Further details — not scored | ||
| Size | 96 MB | 68 MB |
| Age rating | 4+ | 17+ |
| Developer | eCloud4 Corporation | LubyAll LLC |
Customer experience
eCloud4
LubyPay
In-app purchases
eCloud4
No in-app purchases
LubyPay
No in-app purchases
