Teto Pay vs CacaoCash
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Teto Pay
Manage your finances globally with this digital wallet. Send and receive money instantly, create virtual debit cards, and handle currency exchange and cryptocurrency all from your mobile device.
- Instant fund transfers
- Virtual debit card issuance
- Multi-currency exchange
- Cryptocurrency management
- All-in-one digital wallet
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Teto Pay is your all-in-one digital wallet for managing money across borders. Send and receive funds instantly, issue virtual debit cards, exchange between currencies, and manage crypto — all from your phone.
CacaoCash
Easily pay with QR codes in Argentina using dollars loaded from abroad. Send pesos instantly to anyone without a local bank account or DNI. Verify your identity with your passport for quick access.
- Pay Mercado Pago and MODO QR codes
- Send pesos to local aliases/accounts
- Load dollars from US, EU, UK
- See crypto dollar rate before payment
- Earn cashback on payments
- Verify with passport
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CacaoCash lets you pay any Mercado Pago or MODO QR code in Argentina without a DNI or an Argentine bank account. Load dollars from abroad, scan the QR at the counter and pay in pesos at the crypto dollar rate. Verify with your passport in minutes. WHAT YOU CAN DO • Pay QR codes: Mercado Pago, MODO and any CVU/CBU QR, in restaurants, taxis, markets and shops across Argentina. • Send pesos to any alias, CBU or CVU: rent, deposits, a friend, a tour guide. Instant transfer, no local account needed. • Load your balance from the US, EU, UK and more: ACH, SEPA, SWIFT, debit or credit card, USDC and other crypto. • See the rate before you pay: the crypto dollar rate, about 10% better than the tourist card rate in 2026. No fixed fee, the rate you see is the rate you get. • Earn cashback on your payments. WHO IT IS FOR Tourists, digital nomads, exchange students and expats in Argentina who cannot open Mercado Pago, Ualá or a local bank account because they have no DNI. HOW IT WORKS 1. Sign up with your email and passport (verification takes about 3 minutes). 2. Add funds by bank transfer, card or crypto. Your balance stays in USD. 3. Scan any Argentine QR or paste an alias and pay in pesos. FINE PRINT Rates change with the market and are shown before every payment. CacaoCash is not a bank; local settlement runs through licensed Argentine payment partners. Questions: info@cacaocash.com
Screenshots
Verdict
The clearest difference is ads: Teto Pay at none against CacaoCash's shown. Teto Pay also leads on monetization model (free vs ad-supported). CacaoCash's advantage is update cadence (every 2 days vs weekly). On price, rating, ratings volume 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.
On the App Store both sit at effectively the same score — 5.0 for Teto Pay against 5.0 for CacaoCash. Both are backed by a comparable volume of ratings — 3 and 4 respectively.
Teto Pay ships an update weekly, CacaoCash every 2 days. The most recent releases landed on October 31, 2026 and November 5, 2026 respectively.
| Parameter | Teto Pay | CacaoCash |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) | 5.0 (4 ratings) |
| Number of ratings | 3 | 4 — better |
| Update frequency | Weekly | Every 2 days — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.5 | 15.1 — better |
| Further details — not scored | ||
| Size | 62 MB | 84 MB |
| Age rating | 17+ | 4+ |
| Developer | Teto Pay Ltd | DEKSxyz, Inc. |
Customer experience
Teto Pay
CacaoCash
In-app purchases
Teto Pay
No in-app purchases
CacaoCash
No in-app purchases
