# MOCO vs Hamro Pay

MOCO and Hamro Pay are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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

## The numbers

| Metric | MOCO | Hamro Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (12 ratings)](https://appshunter.io/ios/app/moco-digital-wallet/id834786480/reviews)** | — |
| Number of ratings | **12** | — |
| Positive reviews | 63.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | — |
| Size | 62 MB | 88 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [FOCUSONE Payment Solutions](https://appshunter.io/developer/1512145334) | [Hamro Patro](https://appshunter.io/developer/953015623) |

## What reviewers say

### MOCO

[App page](https://appshunter.io/ios/app/moco-digital-wallet/id834786480)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Hamro Pay

[App page](https://appshunter.io/ios/app/hamro-pay/id6740609462)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is MOCO free?

MOCO is free to download, with no in-app purchases.

### Is Hamro Pay free?

Hamro Pay is free to download, with no in-app purchases.

### Do MOCO or Hamro Pay have ads?

Neither MOCO nor Hamro Pay shows ads.

### Which is updated more often, MOCO or Hamro Pay?

MOCO ships an update every 2 months, and Hamro Pay every 2 months. Most recently, MOCO was updated on October 2, 2026 and Hamro Pay on September 29, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*