MOCO vs UnelmaPay
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.
UnelmaPay
This digital wallet facilitates secure and convenient online payments. It enables users to transfer funds between wallets, accept payments via major gateways, and manage utility bill payments. It's a comprehensive payment ecosystem for seamless transactions.
- Online payment processing
- Wallet-to-wallet fund transfers
- Accept payments via third-party gateways
- Utility bill payments
- Top-up services
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Unelma Pay is a digital wallet that lets you pay, send and receive money — a complete payment ecosystem for everyday payments. WITH UNELMA PAY YOU CAN • Send money abroad — global remittance to supported countries, including Africa and Asia • Send international mobile top-up and recharge to phones worldwide • Send and receive money instantly between Unelma Pay users • Top up mobile balance and buy NTC & Ncell data packages • Pay utility bills — electricity, water, internet, TV, insurance premiums and traffic fines • Book domestic and international flights, hotels and bus tickets • Get a virtual Visa card for online payments worldwide • Buy international gift cards from hundreds of global brands • Load your wallet via local banks and supported payment partners • Track every payment with full history and downloadable PDF receipts Unelma Pay is more than a wallet — it's an entire payment ecosystem. JOIN THE COMMUNITY Facebook: https://www.facebook.com/unelmapay/ PROBLEMS? FEEDBACK? The more you tell us, the better UnelmaPay gets. https://unelmasupport.com
Screenshots
Verdict
The clearest difference is review sentiment: MOCO at 64% against UnelmaPay's 0%. MOCO also leads on rating (3.8 vs 1.0) and ratings volume (12 vs 1). UnelmaPay's advantage is update cadence (every 3 days vs every 2 months). 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 1, 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 UnelmaPay's.
MOCO ships an update every 2 months, UnelmaPay every 3 days. The most recent releases landed on October 2, 2026 and October 8, 2026 respectively.
| Parameter | MOCO | UnelmaPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (12 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 63.6% of reviews — better | 0.0% of reviews |
| Number of ratings | 12 — better | 1 |
| Update frequency | Every 2 months | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 62 MB | 36 MB |
| Age rating | 17+ | 17+ |
| Developer | FOCUSONE Payment Solutions | Unelma Platforms |
Customer experience
MOCO
UnelmaPay
In-app purchases
MOCO
No in-app purchases
UnelmaPay
No in-app purchases
