Mipay vs Pay.Cool+
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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。
Pay.Cool+
This platform allows users to earn crypto rewards by shopping with participating merchants. Members can receive tokens that may cover their spending or offer additional earnings.
- Web3 platform and wallet
- Consumer-merchant model
- Earn crypto token rewards
- Free membership
- Shop with enabled merchants
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Web3 platform built on top of high-performance blockchain (FAB), Pay.Cool features with comsumerchant model. Pay.Cool is built with a brand new business model, consumers join Pay.Cool as members for free, shop from Pay.Cool enabled merchants and pay with Pay.Cool, will get rewards of crypto tokens, those tokens give the consumer a chance to earn back the spending of the shopping or even more.
Screenshots
Verdict
The clearest difference is review sentiment: Pay.Cool+ at 100% against Mipay's 0%. Pay.Cool+ also leads on rating (5.0 vs 2.7) and update cadence (weekly vs every 5 months). 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.
Pay.Cool+ holds the better App Store score, 5.0 against 2.7. Both are backed by a comparable volume of ratings — 11 and 14 respectively. Written reviews point the same way: 0% of Mipay's written reviews are positive against 100% of Pay.Cool+'s.
Mipay ships an update every 5 months, Pay.Cool+ weekly. The most recent releases landed on June 8, 2026 and June 1, 2026 respectively.
| Parameter | Mipay | Pay.Cool+ |
|---|---|---|
| Price | Free | Free |
| Rating | 2.7 (11 ratings) | 5.0 (14 ratings) — better |
| Positive reviews | 0.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 11 | 14 — better |
| Update frequency | Every 5 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 | 12 — better |
| Further details — not scored | ||
| Size | 37 MB | 71 MB |
| Age rating | 4+ | 17+ |
| Developer | MI FU APP SG PTE. LTD. | Exchangily LLC |
Customer experience
Mipay
Pay.Cool+
In-app purchases
Mipay
No in-app purchases
Pay.Cool+
No in-app purchases
