Comparison

LiaPay vs JOQR

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

Head to head
About

LiaPay

Manage your money digitally with a free digital Mastercard. Receive instant transfers and make secure online payments from your smartphone. Enjoy advanced security and CBUAE compliance for a trusted financial experience.

Highlights
  • Free digital Mastercard
  • Instant money transfers
  • Secure online payments
  • Advanced security and encryption
  • CBUAE compliant
  • Manage funds from smartphone
Features
Read full description

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.

About

JOQR

Features
Read full description

JOQR is a digital crypto wallet and payment card app operated by YouShopper Ltd. The app is designed to help eligible users access crypto-enabled card services from one simple mobile experience. Users can deposit supported crypto assets, manage their card balance, and use card services where available through the supported card programme. With JOQR, you can: • Receive USDT deposit details on supported networks, including BSC and TRON • Top up your card balance using supported crypto assets • View your wallet, card balance, and transaction activity • Use virtual and physical card services where available • Withdraw supported crypto to an external wallet when available • Manage your account through a simple mobile interface JOQR focuses on making crypto payments and card funding easier for everyday use, with clear wallet flows, simple onboarding, and secure account access. Important information: JOQR does not provide personal loans, payday loans, earned wage advances, buy now pay later services, stock trading, investment advice, insurance, NFT trading, crowdfunding, or prediction markets. Crypto services, card availability, supported assets, supported networks, limits, and fees may vary depending on your country, account verification status, issuer or programme rules, and applicable laws. Digital assets can carry risk. Please review the app terms, privacy policy, and fee information before using JOQR.

Screenshots

LiaPay4 screens
JOQR4 screens

Verdict

The call

The clearest difference is update cadence: JOQR at every 5 days against LiaPay's every 3 weeks. LiaPay's advantage is iOS requirement (13.0 vs 18.6). 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

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

LiaPay ships an update every 3 weeks, JOQR every 5 days. The most recent releases landed on October 28, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 7 level
LiaPay versus JOQR: the parameters behind the verdict, then further details
ParameterLiaPayJOQR
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 3 weeksEvery 5 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.0 — better18.6
Further details — not scored
Size51 MB146 MB
Age rating4+17+
DeveloperLiabifyYoushopper Limited

In-app purchases

None

LiaPay

No in-app purchases

None

JOQR

No in-app purchases

Questions

Is LiaPay free?
LiaPay is free to download, with no in-app purchases.
Is JOQR free?
JOQR is free to download, with no in-app purchases.
Do LiaPay or JOQR have ads?
Neither LiaPay nor JOQR shows ads.
Which is updated more often, LiaPay or JOQR?
LiaPay ships an update every 3 weeks, and JOQR every 5 days. Most recently, LiaPay was updated on October 28, 2026 and JOQR on October 25, 2026.

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