Comparison

Coming Pay vs ZRPay

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

Head to head
About

Coming Pay

Features
Read full description

Coming Pay: Effortless QR Payments in Vietnam Using USDT Traveling to Vietnam? Say goodbye to payment hassles! As a foreign tourist or business traveler, you've likely faced challenges with local QR Pay systems—bank apps don't support international registrations, forcing you to rely on high-fee currency exchanges, cash, or credit cards. In remote areas, running out of cash can ruin your trip. Enter Coming Pay, the innovative app designed specifically for international visitors like you. Powered by our cutting-edge technology, Coming Pay lets you deposit USDT (Tether) into your account and seamlessly convert it to VND for instant QR code payments anywhere in Vietnam. No more expensive fees, no more hunting for ATMs or exchange bureaus—just quick, secure transactions at millions of merchants, from bustling Hanoi streets to serene Mekong Delta spots. Key Features: - USDT Deposits: Easily top up your wallet with USDT from your crypto holdings—perfect as more travelers embrace stablecoins. Instant Conversion: Our proprietary tech converts USDT to VND in real-time, ensuring you pay like a local without the volatility. - QR Code Scanning: Scan and pay at any VietQR-compatible merchant, including shops, restaurants, taxis, and markets. - Secure & Convenient: Bank-grade security, low fees, and no need for a Vietnamese bank account or ID. - Travel-Friendly: Track expenses, view transaction history, and get support in English for a stress-free experience. Whether you're exploring Ha Long Bay, attending meetings in Ho Chi Minh City, or venturing off the beaten path, Coming Pay makes Vietnam accessible and affordable. Join the growing community of savvy travelers using crypto for everyday payments. Download Coming Pay now and unlock seamless spending in Vietnam—your adventure awaits! For support, contact us at: Email: hi@coming.io Website: https://pay.coming.io

About

ZRPay

Features
Read full description

ZR Pay turns your digital assets into real-world spending power. Pledge USDT and other supported assets to unlock a spending limit on your card, then pay anywhere Visa is accepted — online and offline, at home and abroad. WHY ZR PAY • Global reach — spend across many countries and regions worldwide, everywhere Visa is accepted. • Asset-backed limit — pledge your digital assets to unlock a spending limit; no need to sell your holdings first. •Fast issuance — apply for a spending card in minutes after identity verification (KYC). • Online & offline — bind mainstream wallets for in-store scan or tap, and pay for online shopping and subscriptions. • Transparent fees — low spending fees, no hidden annual charges. BUILT-IN SECURITY • Payment password for sensitive actions • 3DS cardholder verification for online payments • Freeze / unfreeze your card anytime • Real-time transaction alerts EVERYDAY SCENARIOS Cross-border shopping · online subscriptions · in-store payments · travel · games & digital services ABOUT & COMPLIANCE ZR Pay is operated by ZR Credit Services Limited, a Hong Kong company. Identity verification (KYC) and anti-money-laundering (AML) checks apply to all users. Support: https://www.zrpay.hk · Contact: ops@zrpay.hk

Screenshots

Coming Pay4 screens
ZRPay4 screens

Verdict

The call

The clearest difference is iOS requirement: Coming Pay at 15.1 against ZRPay's 17.0. 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Coming Pay ships an update fortnightly, ZRPay every 3 weeks. The most recent releases landed on October 30, 2026 and October 25, 2026 respectively.

Scorecard1 real difference · 5 level
Coming Pay versus ZRPay: the parameters behind the verdict, then further details
ParameterComing PayZRPay
PriceFreeFree
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better17.0
Further details — not scored
Size64 MB47 MB
Age rating17+4+
DeveloperBetadoZIRCON CREDIT SERVICE LIMITED

In-app purchases

None

Coming Pay

No in-app purchases

None

ZRPay

No in-app purchases

Questions

Is Coming Pay free?
Coming Pay is free to download, with no in-app purchases.
Is ZRPay free?
ZRPay is free to download, with no in-app purchases.
Do Coming Pay or ZRPay have ads?
Neither Coming Pay nor ZRPay shows ads.
Which is updated more often, Coming Pay or ZRPay?
Coming Pay ships an update fortnightly, and ZRPay every 3 weeks. Most recently, Coming Pay was updated on October 30, 2026 and ZRPay on October 25, 2026.

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