Kiotapay vs LiaPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Kiotapay
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Kiotapay App was created by Kiotapay inc and is aimed at enabling users to track and manage their expenditure. The app is uniquely designed and built for general users to gain visibility on their spending across different payment channels such as Business paybill, Till, Send Money and Bank Transfers. The major features include; -Aggregated payments across different payment methods -Team allocations that allows users to allocate funds for expenditure use. -Expense categorization that allows users to spend in line with predetermined expense heads. -Analytics that allows users to measure and evaluate their spending. Kiotapay App benefits to the users include: -Simplified expense management using an easy to use mobile interface -Cheaper costs of expenses. -Aggregate methods that enable users to save time and money. Kiotapay App was created to give app users ability to control their expenditure across projects and vendors.
LiaPay
A digital money card app for UAE employees, offering instant access to a free digital Mastercard for secure online payments and instant transfers. Manage your finances effortlessly and securely from your smartphone.
- Free digital Mastercard
- Instant money transfers
- Secure online payments
- Advanced security and encryption
- CBUAE compliant
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Welcome to LiaPay – Your Digital Money Card in the UAE LiaPay is the smarter way to manage your money digitally. Designed for forward-thinking employees in the UAE, it gives you instant access to a free digital Mastercard so you can receive transfers and pay online securely — all from your smartphone. Simple. Secure. Straightforward. Your Free LiaPay Digital Mastercard Get your LiaPay Digital Mastercard in minutes and start using it immediately. No paperwork. No waiting. Just seamless digital access to your money. Use it anywhere Mastercard is accepted online and manage everything directly from your smartphone. Instant Transfers Receive money anytime, anywhere. Get transfers directly to your LiaPay card with no delays and no complications. Whether it’s salary, peer transfers, or company payments, your funds are available when you need them. Secure Online Payments Shop, subscribe, and pay with confidence. Use your digital Mastercard to pay online securely across global merchants. From everyday purchases to monthly subscriptions, enjoy fast, protected transactions every time. Advanced Top-Tier Protection Safe. Secure. Trusted. Your money and personal data are protected with advanced security standards and encryption. With LiaPay, every transaction is monitored in real time, giving you complete peace of mind while you manage your funds. LiaPay is fully compliant with CBUAE regulations and licensed by Mawarid Finance, providing a secure, trusted, and fully regulated financial experience in the UAE. Every transaction and service is built to meet the highest standards of reliability, transparency, and customer protection, so you can manage your money with complete confidence. Smart Money Starts Here. LiaPay makes managing money effortless, fast, and secure. Your Money. Your Mastercard. Your Way.
Screenshots
Verdict
The clearest difference is update cadence: LiaPay at fortnightly against Kiotapay's monthly. LiaPay also leads on iOS requirement (13.0 vs 15.0). On price, ads, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Kiotapay ships an update monthly, LiaPay fortnightly. The most recent releases landed on November 8, 2026 and November 9, 2026 respectively.
| Parameter | Kiotapay | LiaPay |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Number of ratings | — | 1 — better |
| Update frequency | Monthly | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 83 MB | 53 MB |
| Age rating | 17+ | 4+ |
| Developer | Kiotapay Limited | Liabify |
In-app purchases
Kiotapay
No in-app purchases
LiaPay
No in-app purchases









