Comparison

MOCO vs MyPay Nepal

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

Head to head
About

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.

Highlights
  • Link debit and credit cards
  • In-app and QR code payments
  • Pay utility bills
  • Book flights
  • Earn reward points
  • Unified QR code payments
Features
Read full description

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.

About

MyPay Nepal

This digital wallet app offers hassle-free financial transactions and aims to improve customer experience in Nepal. It provides a seamless digital experience with a user-friendly interface and potentially high cashback rewards.

Highlights
  • Hassle-free financial transactions
  • Improved customer experience
  • Seamless digital experience
  • User-friendly interface
  • Cashback rewards
  • KYC for privileged services
Features
Read full description

MyPay (Smart Card Nepal Pvt. Ltd.) is a FinTech company primarily looking to address critical structural digital wallet solutions in Nepal. Our prime focus is to improve customer experience, increase outreach and reduce operational friction effectively. We continuously strive to provide nimble, innovative and hassle-free financial transactions for users of all age group. We wish to create a paradigm shift by shaping customer behavior and effectively improving long term customer experience. Our vision is to create more diverse, secure and stable financial landscape. Our mission is to be less homogeneous than existing incumbent providers and simultaneously improve capabilities and culture. Our core values have been imbibed in our team members and shareholders. "Continuous innovation, technical advancement and permissive payment solutions on your finer-tips" MyPay enables seamless digital experience with its user-friendly app. Apart, MyPay offers you highest cashback (probably). Wallet had never been so fun without MyPay. Registration process: 1. Download MyPay Nepal app. 2. To register, enter your mobile number 3. Enter OTP received in the mobile number you entered. 4. Fill the form and submit 5. Congratulations you have been successfully registered with MyPay. Don’t forget to update your KYC to unlock privileged services Every money saved is money earned. [:mav: 17.0.4]

Screenshots

MOCO4 screens
MyPay Nepal4 screens

Verdict

The call

The clearest difference is rating: MOCO at 3.8 against MyPay Nepal's 3.0. MyPay Nepal's advantage is update cadence (every 3 weeks vs every 2 months). On price, ratings volume, 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

MOCO holds the better App Store score, 3.8 against 3.0. Both are backed by a comparable volume of ratings — 12 and 6 respectively.

UpkeepUpdate frequency

MOCO ships an update every 2 months, MyPay Nepal every 3 weeks. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

Scorecard2 real differences · 8 level
MOCO versus MyPay Nepal: the parameters behind the verdict, then further details
ParameterMOCOMyPay Nepal
PriceFreeFree
Rating3.8 (12 ratings) — better3.0 (6 ratings)
Positive reviews63.6% of reviews—
Number of ratings12 — better6
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.0
Further details — not scored
Size62 MB73 MB
Age rating17+4+
DeveloperFOCUSONE Payment SolutionsSmart Card Nepal

Customer experience

MOCO

All ratings12 ratings
Positive66.7%
Neutral16.7%
Negative16.7%
Written reviews22 reviews
Positive63.6%
Neutral9.1%
Negative27.3%

MyPay Nepal

All ratings6 ratings
Positive33.3%
Neutral33.3%
Negative33.3%

In-app purchases

None

MOCO

No in-app purchases

None

MyPay Nepal

No in-app purchases

Questions

Is MOCO free?
MOCO is free to download, with no in-app purchases.
Is MyPay Nepal free?
MyPay Nepal is free to download, with no in-app purchases.
Which has better reviews, MOCO or MyPay Nepal?
MOCO is rated higher. MOCO averages 3.8 out of 5 from 12 ratings, while MyPay Nepal averages 3.0 from 6 ratings.
Do MOCO or MyPay Nepal have ads?
Neither MOCO nor MyPay Nepal shows ads.
Which is updated more often, MOCO or MyPay Nepal?
MOCO ships an update every 2 months, and MyPay Nepal every 3 weeks. Most recently, MOCO was updated on November 1, 2026 and MyPay Nepal on November 7, 2026.

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