MOCO vs MyPay 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.
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.
- Hassle-free financial transactions
- Improved customer experience
- Seamless digital experience
- User-friendly interface
- Cashback rewards
- KYC for privileged services
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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
Verdict
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
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 3.0. Both are backed by a comparable volume of ratings — 12 and 6 respectively.
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.
| Parameter | MOCO | MyPay Nepal |
|---|---|---|
| Price | Free | Free |
| Rating | 3.8 (12 ratings) — better | 3.0 (6 ratings) |
| Positive reviews | 63.6% of reviews | — |
| Number of ratings | 12 — better | 6 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 62 MB | 73 MB |
| Age rating | 17+ | 4+ |
| Developer | FOCUSONE Payment Solutions | Smart Card Nepal |
Customer experience
MOCO
MyPay Nepal
In-app purchases
MOCO
No in-app purchases
MyPay Nepal
No in-app purchases







