# Mutual Pay vs KiwiPay Authenticator

The clearest difference is iOS requirement: KiwiPay Authenticator at 15.6 against Mutual Pay's 26.0. On price, update cadence, ads and in-app purchases there is nothing between them.

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

Mutual Pay ships an update every 3 weeks, KiwiPay Authenticator every 2 weeks. The most recent releases landed on October 9, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Mutual Pay | KiwiPay Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Size | 13 MB | 143 MB |
| Requires iOS | 26.0 | **15.6** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Mutual Club Colon de San Justo](https://appshunter.io/developer/1862928217) | [Kiwi Pay Srl](https://appshunter.io/developer/6778247396) |

## What reviewers say

### Mutual Pay

[App page](https://appshunter.io/ios/app/mutual-pay/id6756801828)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### KiwiPay Authenticator

[App page](https://appshunter.io/ios/app/kiwipay-authenticator/id6786058836)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Mutual Pay free?

Mutual Pay is free to download, with no in-app purchases.

### Is KiwiPay Authenticator free?

KiwiPay Authenticator is free to download, with no in-app purchases.

### Do Mutual Pay or KiwiPay Authenticator have ads?

Neither Mutual Pay nor KiwiPay Authenticator shows ads.

### Which is updated more often, Mutual Pay or KiwiPay Authenticator?

Mutual Pay ships an update every 3 weeks, and KiwiPay Authenticator every 2 weeks. Most recently, Mutual Pay was updated on October 9, 2026 and KiwiPay Authenticator on October 14, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*