Wave Merchant vs GTB Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Wave Merchant
This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.
- Dynamic QR code payments
- Real-time transaction history
- Business analytics
- Bank settlement
- Secure over-the-counter payments
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Fast, Easy, and Safe Online Payments - Myanmar's Leading Mobile Financial Service. Introduced by Wave Money, the Wave Merchant app brings fast, easy, and secure over-the-counter payment solutions not only for merchants and shops to track each transaction and analyze financial data but also for customers to make payments easier and more convenient. The app includes the following features: Dynamic QR: Customers can now enjoy the most convenient "Scan and Pay" functionality. The cashier keys in the specific payment amount, and customers can effortlessly and conveniently complete their payment by scanning the Dynamic QR code provided by the Wave Merchant app. Real-Time Transaction History Detail & Analytics: Merchants receive real-time transaction notifications and gain access to detailed transaction information. Additionally, the app provides a business analytics tool, allowing merchants to view their total transactions, sales, average daily transactions, average daily sales, etc. Bank Settlement: Merchants can seamlessly settle payments to their linked bank accounts. The app facilitates both cashing into the linked bank account and cashing out from it.
GTB Pay
Manage your finances on the go with this secure and user-friendly financial app. Easily transfer money, pay bills, and load funds using your MPU card or QR codes. Enjoy 24/7 customer support for a seamless banking experience.
- Wallet-to-wallet transfers
- Cash in from MPU card
- QR code transactions
- Bill payment
- Secure and reliable
- User-friendly interface
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GTB Pay: Your Ultimate Financial Companion Introducing GTB Pay, the cutting-edge financial app brought to you by Global Treasure Bank (Public Company Limited). Designed with your convenience in mind, GTB Pay offers a seamless and secure way to manage your finances on the go. Key Features: Wallet-to-Wallet Transfer: Easily send and receive money between GTB Pay wallets, making splitting bills or sharing expenses with friends and family a breeze. Cash In from MPU Card: Instantly load funds to your GTB Pay wallet from your MPU card, ensuring you always have access to your money when you need it. Transfer with QR: Simplify transactions with QR code transfers. Scan and pay or receive payments effortlessly, making transactions faster and more efficient. Bill Payment: Never miss a payment again! With GTB Pay, you can easily settle bills for utilities, subscriptions, and more, all within the app. Why Choose GTB Pay? Secure & Reliable: Your financial security is our top priority. GTB Pay employs advanced encryption and authentication measures to safeguard your transactions and personal information. User-Friendly Interface: With an intuitive design, GTB Pay is easy to navigate, ensuring a hassle-free user experience for both novice and experienced users. 24/7 Customer Support: Our dedicated support team is available around the clock to assist you with any queries or issues you may encounter. Take control of your finances like never before with GTB Pay. Download the app today and experience the future of banking at your fingertips!
Screenshots
Verdict
The clearest difference is review sentiment: Wave Merchant at 100% against GTB Pay's 0%. Wave Merchant also leads on rating (4.2 vs 4.0) and iOS requirement (13.0 vs 15.1). 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.
Wave Merchant holds the better App Store score, 4.2 against 4.0. Both are backed by a comparable volume of ratings — 10 and 7 respectively. Written reviews point the same way: 100% of Wave Merchant's written reviews are positive against 0% of GTB Pay's.
Wave Merchant ships an update every 4 months, GTB Pay every 2 months. Both last shipped on October 24, 2026.
| Parameter | Wave Merchant | GTB Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (10 ratings) — better | 4.0 (7 ratings) |
| Positive reviews | 100.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 10 — better | 7 |
| Update frequency | Every 4 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 69 MB | 35 MB |
| Age rating | 17+ | 4+ |
| Developer | Wave Money | GLOBAL TREASURE BANK PUBLIC COMPANY LIMITED |
Customer experience
Wave Merchant
GTB Pay
In-app purchases
Wave Merchant
No in-app purchases
GTB Pay
No in-app purchases









