M vs Payvay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
M
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You can send and receive money, pay businesses, and settle bills all from the palm of your hand. Introducing the M-Tala App, designed to enhance your life with convenience, ease, and simplicity, all while maintaining an elegant appearance and offering futuristic features. The future is exciting. Ready?
Payvay
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Payvay brings you a faster, smarter, and more convenient digital payment experience. With this release, you can enjoy a complete set of essential financial services in one app: - Funds Transfer - Bill Payments - Mobile Top-Up - Deals & Discounts on partner merchants Download now and experience hassle-free digital banking with Payvay.
Screenshots
Verdict
The clearest difference is iOS requirement: M at 13.4 against Payvay's 15.6. On price, update cadence, 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.
M ships an update every 4 months, Payvay every 3 months. The most recent releases landed on October 2, 2026 and October 17, 2026 respectively.
| Parameter | M | Payvay |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 4 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.4 — better | 15.6 |
| Further details — not scored | ||
| Size | 26 MB | 79 MB |
| Age rating | 4+ | 4+ |
| Developer | VODAFONE SAMOA LIMITED | CERISMA PRIVATE LIMITED |
In-app purchases
M
No in-app purchases
Payvay
No in-app purchases
