Comparison

MultiPay vs SetcardFlexlife

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

Head to head
About

MultiPay

This digital wallet app simplifies payments with QR codes, allowing cardless transactions. Track your spending, earn loyalty rewards, and discover exclusive deals. It also integrates with services for online orders and car maintenance.

Highlights
  • Cardless QR payments
  • Balance and spending tracking
  • Earn TatlıPara loyalty rewards
  • Online payment integration
  • MultiCar+ service booking
  • Story campaigns for deals
  • Light and dark mode
Features
Read full description

Meet the new MultiPay! MultiPay, the digital wallet application by Multinet, makes your spending faster, more secure, and more convenient. With an interface specially optimized for iOS devices, MultiPay offers an outstanding experience for iPhone and iPad users. Here are some of the great things you can do with MultiPay: - Cardless QR Payments: Paying with your iPhone has never been easier! Use QR codes to pay securely and card-free—no need to carry a physical card anymore. - Balance & Spending Tracking: Check the balance of all your wallets in one place and instantly monitor your spending. With iOS’s smooth user experience, managing your budget has never been easier. - Earn TatlıPara: When dining at partner restaurants with your Multinet card, tap the “I’m Here Today!” button to earn up to 25% in TatlıPara. The more you spend, the more you earn! - Online Payment Points: Quickly place your online orders. Browse online payment partners and complete your order with the “Place Online Order” button. Everything is online and fast on your iOS device! - MultiCar+ Integration: Need car maintenance? Browse MultiCar+ car wash locations, easily book appointments from the details screen, and pay using your wallet. - Story Campaigns: Discover exclusive deals through story campaigns on the home screen. With iOS notifications, never miss a deal! - Light & Dark Mode: MultiPay adapts to your iOS device theme. Switch easily between a soothing dark mode or a clean and bright light mode. Earn As You Spend with TatlıPara! With TatlıPara, the loyalty platform for MultiNet users, earn while you spend at thousands of locations and take advantage of exclusive deals. - View MultiNet and TatlıPara locations in the app - Thousands of TatlıPara partners that reward your spending - Extra TatlıPara opportunities through current campaigns - Receive bonus balance equal to 3 meals with regular spending - 1 TatlıPara = 1 TL. Instantly loaded into your wallet—spend it as you wish! The new MultiPay brings all these features and more to iOS users. With a user-friendly interface, advanced security, and an optimized experience for your device, it takes your digital payment experience to the next level. Download the new MultiPay from the App Store now and enjoy the world of digital wallets!

About

SetcardFlexlife

Features
Read full description

Türkiye'nin Yeni Esnek Yan Haklar Sistemi SetcardFlexlife! Kurum ve kuruluşların çalışanlarına yan haklarını esnek olarak kullanımasını sağlayan, kişiselleştirilmiş tüm ürünleri kendi seçimleri doğrultusunda kullanabilecekleri, gıdadan, giyime, elektronikten, ev dekorasyonu gibi birçok farklı kategoride seçkin markalarda kullanım imkanı sunan, dijital esnek yan haklar platformu SetcardFlexlife...

Screenshots

MultiPay4 screens
SetcardFlexlife4 screens

Verdict

The call

MultiPay and SetcardFlexlife are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

MultiPay ships an update fortnightly, SetcardFlexlife every 2 weeks. The most recent releases landed on October 15, 2026 and September 28, 2026 respectively.

ScorecardNo meaningful differences
MultiPay versus SetcardFlexlife: the parameters behind the verdict, then further details
ParameterMultiPaySetcardFlexlife
PriceFreeFree
Rating4.8 (213 ratings) — better—
Positive reviews25.0% of reviews—
Number of ratings213 — better—
Update frequencyFortnightly — betterEvery 2 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size84 MB45 MB
Age rating4+4+
DeveloperMultinet Kurumsal HizmetlerSETCARD

In-app purchases

None

MultiPay

No in-app purchases

None

SetcardFlexlife

No in-app purchases

Questions

Is MultiPay free?
MultiPay is free to download, with no in-app purchases.
Is SetcardFlexlife free?
SetcardFlexlife is free to download, with no in-app purchases.
Do MultiPay or SetcardFlexlife have ads?
Neither MultiPay nor SetcardFlexlife shows ads.
Which is updated more often, MultiPay or SetcardFlexlife?
MultiPay ships an update fortnightly, and SetcardFlexlife every 2 weeks. Most recently, MultiPay was updated on October 15, 2026 and SetcardFlexlife on September 28, 2026.

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