# Wave Merchant vs GTB Pay

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.

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.

## The numbers

| Metric | Wave Merchant | GTB Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.2 (10 ratings)](https://appshunter.io/ios/app/wave-merchant/id6456263921/reviews)** | [4.0 (7 ratings)](https://appshunter.io/ios/app/gtb-pay/id6479803787/reviews) |
| Number of ratings | **10** | 7 |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 69 MB | 35 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Wave Money](https://appshunter.io/developer/1234535228) | [GLOBAL TREASURE BANK PUBLIC COMPANY LIMITED](https://appshunter.io/developer/1453369860) |

## What reviewers say

### Wave Merchant

[App page](https://appshunter.io/ios/app/wave-merchant/id6456263921)

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.

**Highlights:** Dynamic QR code payments, Real-time transaction history, Business analytics, Bank settlement, Secure over-the-counter payments

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### GTB Pay

[App page](https://appshunter.io/ios/app/gtb-pay/id6479803787)

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.

**Highlights:** Wallet-to-wallet transfers, Cash in from MPU card, QR code transactions, Bill payment, Secure and reliable, User-friendly interface

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Wave Merchant free?

Wave Merchant is free to download, with no in-app purchases.

### Is GTB Pay free?

GTB Pay is free to download, with no in-app purchases.

### Which has better reviews, Wave Merchant or GTB Pay?

Wave Merchant is rated higher. Wave Merchant averages 4.2 out of 5 from 10 ratings, while GTB Pay averages 4.0 from 7 ratings.

### Do Wave Merchant or GTB Pay have ads?

Neither Wave Merchant nor GTB Pay shows ads.

### Which is updated more often, Wave Merchant or GTB Pay?

Wave Merchant ships an update every 4 months, and GTB Pay every 2 months. Most recently, Wave Merchant was updated on October 24, 2026 and GTB Pay on October 24, 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.*