THPay vs Mipay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
THPay
This app simplifies managing virtual and physical VISA and Mastercard accounts. It offers quick account opening, global online and offline spending, and easy foreign currency exchange. Track all transactions with detailed historical billing and enjoy secure asset management through advanced encryption.
- Virtual and physical card management
- Fast account opening
- Global online and offline spending
- Foreign currency exchange
- Historical transaction tracking
- Advanced encryption for security
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THPay is a product with VISA and Master virtual and physical card functions. It is dedicated to making it easier for users to open accounts and manage their card assets. 1.Fast account opening Users can apply for a bank card and activate their account with a simple operation. It can be used for offline and online consumption in any region or country in the world. 2.Fast Exchange of Foreign Currency Supports users in exchanging money directly to their bank card accounts. 3.Historical Billing APP clearly records each transaction of users, users can filter by type and view by month and currency, which is convenient for users to check their assets. 4.Safety feature APP uses advanced encryption technology ，multiple rounds of verification to protect each user's transaction information and ensure asset security.
Mipay
This app facilitates international money transfers and Mastercard top-ups for millions of users worldwide. It offers multi-currency accounts for easy management and secure cross-border transactions.
- International money transfers
- Mastercard top-ups
- Multi-currency accounts
- Cross-border transactions
- Secure and convenient
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你的财富小帮手，一款专注于会员权益、优惠福利及生活服务的综合助手平台，为用户提供便捷、高效的权益领取与使用体验。
Screenshots
Verdict
The clearest difference is review sentiment: THPay at 83% against Mipay's 0%. THPay also leads on rating (4.4 vs 2.7) and update cadence (every 3 weeks vs every 5 months). Mipay's advantage is iOS requirement (13.0 vs 15.6). On price, ratings volume, ads and in-app purchases 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.
THPay holds the better App Store score, 4.4 against 2.7. Both are backed by a comparable volume of ratings — 14 and 11 respectively. Written reviews point the same way: 83% of THPay's written reviews are positive against 0% of Mipay's.
THPay ships an update every 3 weeks, Mipay every 5 months. The most recent releases landed on September 11, 2026 and June 8, 2026 respectively.
| Parameter | THPay | Mipay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (14 ratings) — better | 2.7 (11 ratings) |
| Positive reviews | 83.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 14 — better | 11 |
| Update frequency | Every 3 weeks — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 75 MB | 37 MB |
| Age rating | 17+ | 4+ |
| Developer | GLOBAL SMART CONSUMPTION ALLIANCE LIMITED | MI FU APP SG PTE. LTD. |
Customer experience
THPay
Mipay
In-app purchases
THPay
No in-app purchases
Mipay
No in-app purchases
