Comparison

OUTsurance vs MasterPass Scan to Pay

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

Head to head
About

OUTsurance

Manage your insurance policies, get emergency assistance, and make claims easily. Start new quotes, buy funeral plans, and track your claims 24/7. Refer friends for discounts and join a smart driving program for premium savings.

Highlights
  • Manage insurance policies
  • Start new insurance quotes
  • Submit and track claims
  • Request emergency assistance
  • Refer friends for discounts
  • Join SmartDrive program
Read full description

There’s only one way to get the most OUT of your insurance. And that’s with the OUTsurance app. Whether it’s managing your policy, helping you in an emergency, making claims easy, or even getting discounts when you successfully refer a friend, it’s all doable wherever you are, 24/7. Top features: • Start quotes for car, home contents, buildings, life and business insurance products. • Buy a funeral plan or OUTthere on-demand life cover in a few taps. • Add a new valuable to your existing policy. • View your policy details and OUTbonus amount with the respective due date. • Refer friends and family and get R1000 off our premium for every successful referral. • Register for our SmartDrive programme and receive up to 10% discount on your premium. • Request emergency assistance for your car and your home, 24/7. • Add a contact person to your policy and edit your own contact details. • Request changes to your current policies. • Request documents, such as confirmation of cover and policy schedules. • Update your vehicle registration details. • Complete a windscreen and geyser claim in record time. • Submit a claim for your products. • Track your entire claims process.

About

MasterPass Scan to Pay

Easily scan and pay QR codes for groceries, bills, and online purchases. Securely add Visa and Mastercard for convenient payments without entering card details. Purchase prepaid airtime and data bundles instantly.

Highlights
  • Scan and pay QR codes
  • Securely add bank cards
  • Pay bills and online purchases
  • Buy prepaid airtime and data
  • No need to enter card details
  • Industry-standard encryption
Features
Read full description

Scan to Pay powered by Ukheshe. Our app makes it easy to scan and pay QR codes for almost anything, from groceries to bills to online shopping. Sign up using only your mobile number and securely add bank cards from Visa and Mastercard for safe and convenient payments. Your cards are protected with industry-standard encryption keeping you safe and secure. You can pay any printed or online QR codes from Scan to Pay/Masterpass or SnapScan. Pay bills from Pay@, Easy Pay, DStv, municipalities and more. You can also pay faster at online retailers like Takealot and more by selecting Scan to Pay or Masterpass when checking out. You don’t need to enter card details or banking information. Our app provides convenience when buying prepaid airtime, data and SMS bundles from MTN and Vodacom for yourself or someone else. Select the product you want and use your saved cards to pay. Your prepaid airtime and data will be automatically loaded. No need to enter voucher codes. Scan to Pay is a convenient and secure way to make payments.

Screenshots

OUTsurance4 screens
MasterPass Scan to Pay4 screens

Verdict

The call

The clearest difference is review sentiment: OUTsurance at 62% against MasterPass Scan to Pay's 13%. OUTsurance also leads on rating (4.8 vs 1.8) and ratings volume (384 vs 4). MasterPass Scan to Pay's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

OUTsurance holds the better App Store score, 4.8 against 1.8. That said, the two scores are not equally well evidenced: OUTsurance has 384 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 62% of OUTsurance's written reviews are positive against 13% of MasterPass Scan to Pay's.

UpkeepUpdate frequency

OUTsurance ships an update fortnightly, MasterPass Scan to Pay every 3 weeks. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

Scorecard5 real differences · 5 level
OUTsurance versus MasterPass Scan to Pay: the parameters behind the verdict, then further details
ParameterOUTsuranceMasterPass Scan to Pay
PriceFreeFree
Rating4.8 (384 ratings) — better1.8 (4 ratings)
Positive reviews62.1% of reviews — better12.8% of reviews
Number of ratings384 — better4
Update frequencyFortnightly — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size81 MB28 MB
Age rating4+4+
DeveloperOUTsuranceUkheshe Technologies (Pty) Ltd

Customer experience

OUTsurance

All ratings380 ratings
Positive97.9%
Neutral0.5%
Negative1.6%
Written reviews66 reviews
Positive62.1%
Neutral13.6%
Negative24.2%

MasterPass Scan to Pay

All ratings4 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews39 reviews
Positive12.8%
Neutral2.6%
Negative84.6%

Bugs and requests

OUTsurance

Reported bugs

13 issues
  • App keeps logging out frequently
  • Smart Drive requires location services but permission is not requested
  • App crashes after updates
  • Inaccurate policy data displayed in the app
  • Cannot add members to policy
Show 8 more
  • Vehicle tracking not recording trips
  • Biometric login is not functional
  • Registration process for existing clients is broken
  • App does not open after latest update
  • Scanning barcode on license disc closes the app
  • App doesn't show tracking on iPhone
  • Email required error when loading info during vehicle insurance
  • App keeps saying email is required when it's provided

Requested features

8 requests
  • Add ability to view last five years of claims details
  • Increase font size based on device settings
  • Allow points man requests after trip completion
  • Enable fingerprint access for login
  • Improve Smart Drive functionality for non-policyholders
Show 3 more
  • Add dark mode option
  • Improve app compatibility with older devices
  • Allow viewing of policy details for multiple vehicles under one policy

MasterPass Scan to Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

OUTsurance

No in-app purchases

None

MasterPass Scan to Pay

No in-app purchases

Questions

Is OUTsurance free?
OUTsurance is free to download, with no in-app purchases.
Is MasterPass Scan to Pay free?
MasterPass Scan to Pay is free to download, with no in-app purchases.
Which has better reviews, OUTsurance or MasterPass Scan to Pay?
OUTsurance is rated higher. OUTsurance averages 4.8 out of 5 from 384 ratings, while MasterPass Scan to Pay averages 1.8 from 4 ratings.
Do OUTsurance or MasterPass Scan to Pay have ads?
OUTsurance shows ads; MasterPass Scan to Pay does not.
Which is updated more often, OUTsurance or MasterPass Scan to Pay?
OUTsurance ships an update fortnightly, and MasterPass Scan to Pay every 3 weeks. Most recently, OUTsurance was updated on November 1, 2026 and MasterPass Scan to Pay on November 2, 2026.

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