Comparison

ePay.bg vs m

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

Head to head
About

ePay.bg

Easily pay bills, send money to friends and family, and request payments from others. Check your account balance and transaction history securely. Shop online and manage your finances on the go.

Highlights
  • Pay utility and mobile bills
  • Send money via email or phone
  • Request payments from others
  • Bank account transfers
  • Check transaction history
  • View card and microaccount balance
Features
Read full description

С мобилното приложение ePay.bg може да плащате и да получавате пари бързо и сигурно. ПРОВЕРКА И ПЛАЩАНЕ НА СМЕТКИ Лесен начин да проверявате и плащате сметки към повечето комунални компании, мобилни оператори и финансови институции в страната. БАНКОВИ ПРЕВОДИ Нареждате преводи по банкова сметка или в брой към предварително регистрирани получатели на тези плащания. ИЗПРАЩАНЕ НА ПАРИ Изпращате пари на Ваши близки като посочите email или GSM номер на получателя. Възможност да пазарувате в електронни магазини. ИЗПРАЩАНЕ НА ИСКАНЕ ЗА ПЛАЩАНЕ Удобен начин да поискате пари от Ваши приятели или контрагенти. Добавяте пояснителен текст към искането. Изпращате еmail или SMS на получателя с инструкция и код за плащане. Лесно следите постъпилите плащания. ИСТОРИЯ НА ПЛАЩАНИЯТА. НАЛИЧНОСТ ПО КАРТА. Проверявате по всяко време наличността по регистрирани в ePay.bg карти. Имате достъп до справка за последните транзакции и получени по Микросметката плащания.  ------------------ ePay.bg is a free mobile application allowing customers to pay and receive money quickly and safely. CHECK AND PAY BILLS ePay.bg is the trustworthy, simple and convenient way to pay your bills. Check and pay your utility bills by adding which bills you want to pay. Pay your bills instantly to most utility companies, mobile operators, insurance and financial companies in Bulgaria. BANK ACCOUNT TRANSFERS Make payments via bank transfers or cash transfers to pre-registered beneficiary. SEND MONEY Transfer money to your family and friends by using their email or mobile number. Make securely internet purchases of goods and services and personal payments. REQUEST AND RECEIVE MONEY Request money from anyone and keep track of payments received. Send invoices to your customers using their email or mobile number. The recipient gets an email or SMS with request details and instructions for payment -online with bank card or ePay microaccount, via ATM or in cash. TRANSACTION HISTORY AND BALANCE Check the balance of registered cards and microaccount anywhere and anytime. See your last 5 transactions including payment details; keep track of all received transfers to your microaccount.

About

m

This app provides a secure and convenient way to confirm electronic payments. It supports both web banking transactions and card payments, offering PIN and biometric login options for enhanced security.

Highlights
  • Electronic payment confirmation
  • Web banking transaction support
  • Card payment verification
  • PIN code security
  • Biometric login option
  • Push notification confirmation
  • QR code scanning
Features
Read full description

Fast and easy electronic payment confirmation. m-Token Postbank is a software token, an application of Postbank Bulgaria for payment confirmation in electronic environment. With m-Token you confirm payments, ordered through the Postbank Web Internet banking platform as well as card payments at merchant sites designated with Mastercard Identity Check or Visa Secure. For login to the application you have to set a six-digit PIN code and for even smoother experience you can set-up biometric access. Activate m-Token Postbank in your Postbank Web account, Profile menu >> m-Token management You can confirm your payments with push notification, or by scanning the QR code provided in the Postbank Web internet banking platform. Find more information here. https://www.postbank.bg/bg-BG/Digitalno-bankirane/mToken https://www.postbank.bg/Digitalno-bankirane/mToken *m-Token Postbank requires internet connectivity. Accessibility Declaration: https://www.postbank.bg/en/Accessibility_Statement

Screenshots

ePay.bg3 screens
m4 screens

Verdict

The call

The clearest difference is review sentiment: ePay.bg at 21% against m's 0%. ePay.bg also leads on ratings volume (12 vs 2). m's advantage is rating (2.0 vs 1.8) and iOS requirement (13.0 vs 15.6). 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.

ReceptionRating · Positive reviews · Number of ratings

m holds the better App Store score, 2.0 against 1.8. That said, the two scores are not equally well evidenced: ePay.bg has 12 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 21% of ePay.bg's written reviews are positive against 0% of m's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

Scorecard4 real differences · 6 level
ePay.bg versus m: the parameters behind the verdict, then further details
ParameterePay.bgm
PriceFreeFree
Rating1.8 (12 ratings)2.0 (2 ratings) — better
Positive reviews21.1% of reviews — better0.0% of reviews
Number of ratings12 — better2
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.613.0 — better
Further details — not scored
Size8 MB17 MB
Age rating12+4+
DeveloperEPAY ADEurobank Bulgaria AD

Customer experience

ePay.bg

All ratings12 ratings
Positive16.7%
Neutral8.3%
Negative75.0%
Written reviews71 reviews
Positive21.1%
Neutral8.5%
Negative70.4%

m

All ratings2 ratings
Positive0.0%
Neutral50.0%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral100.0%
Negative0.0%

In-app purchases

None

ePay.bg

No in-app purchases

None

m

No in-app purchases

Questions

Is ePay.bg free?
ePay.bg is free to download, with no in-app purchases.
Is m free?
m is free to download, with no in-app purchases.
Which has better reviews, ePay.bg or m?
m is rated higher. ePay.bg averages 1.8 out of 5 from 12 ratings, while m averages 2.0 from 2 ratings.
Do ePay.bg or m have ads?
Neither ePay.bg nor m shows ads.
Which is updated more often, ePay.bg or m?
ePay.bg ships an update every 2 months, and m every 2 months. Most recently, ePay.bg was updated on October 24, 2026 and m on October 29, 2026.

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