MOCO vs CG Pay Nepal
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MOCO
This app allows users to link their debit and credit cards for secure, fund-free transactions. Pay bills, book flights, and make QR code payments easily. Earn rewards on every transaction.
- Link debit and credit cards
- In-app and QR code payments
- Pay utility bills
- Book flights
- Earn reward points
- Unified QR code payments
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MOCO is the digital wallet built for Nepal - fast, secure, and designed for both locals and travelers. Whether you’re booking flights, or exploring Nepal for the first time, MOCO makes payment effortless. Everyday payments, simplified Top-up and pay electricity, internet, drinking water, TV cable, flight tickets, and even traffic fines - all from one app, in just a few taps. Your cards, your way Add your debit or credit card and enjoy flexible digital payments across thousands of merchants nationwide. Built for travelers Visiting Nepal? Add your card, complete a quick KYC with your passport, or Aadhaar, and start paying via QR instantly - no local bank account needed. Security you can trust Every transaction is protected with PIN and bio-metric authentication. MOCO is PCI-DSS certified and licensed by Nepal Rastra Bank - we don’t just promise security, we’re certified for it. Earn while you pay (For domestic users only) Get reward points on transactions above Rs. 100 across selected services. The more you use MOCO, the more you earn.
CG Pay Nepal
This app provides a secure and rapid platform for online payments, enabling users to send and receive money instantly. It features various utility bill payments, mobile recharges, and offers cashback rewards on services.
- Utility bill payments
- Mobile recharge
- Send and receive money
- Scan and pay
- Cashbacks and discounts
- Transaction history
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CG Pay offers the safest and fastest online payment experience for various Utility Payments. It is an easy way to send money or accept payments instantly. It also provides various offers & cash backs on various service payments. A lot of new exciting services & offers will be added soon. Things you can do with the CGPay Mobile Recharge · Nepal Telecom · Ncell · Smart Cell · UTL Internet Bill Payment · Vianet · World Link Electricity Bill Payment Water Bill Payment Scan and Pay Cashbacks and Discounts Transaction History & Help Center How to load CGPay? You can load your wallet using internet banking, mobile banking, or simply requesting your friend to load your CGPay Account. For more details, please visit our website at https://cgpay.com.np Any suggestions for improvement? Let us know! Please send us an email to support@cgpay.com.np
Screenshots
Verdict
The clearest difference is review sentiment: MOCO at 64% against CG Pay Nepal's 0%. MOCO also leads on rating (3.8 vs 1.0) and ratings volume (12 vs 2). CG Pay Nepal's advantage is update cadence (every 11 days vs every 2 months) and iOS requirement (12.0 vs 15.0). On price, ads, in-app purchases and monetization model 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.
MOCO holds the better App Store score, 3.8 against 1.0. That said, the two scores are not equally well evidenced: MOCO has 12 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 64% of MOCO's written reviews are positive against 0% of CG Pay Nepal's.
MOCO ships an update every 2 months, CG Pay Nepal every 11 days. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | MOCO | CG Pay Nepal |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (12 ratings) — better | 1.0 (2 ratings) |
| Positive reviews | 63.6% of reviews — better | 0.0% of reviews |
| Number of ratings | 12 — better | 2 |
| Update frequency | Every 2 months | Every 11 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 62 MB | 17 MB |
| Age rating | 17+ | 17+ |
| Developer | FOCUSONE Payment Solutions | C. G. Digital Pvt. Ltd. |
Customer experience
MOCO
CG Pay Nepal
In-app purchases
MOCO
No in-app purchases
CG Pay Nepal
No in-app purchases
