RealPayment vs InstaKyc
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
RealPayment
Securely store and manage digital rewards from merchants. Make confident online and in-person payments using your smartphone, with your credit card details protected from merchants. Track purchase history and redeem electronic gift cards.
- Merchant rewards collection
- Secure smartphone payments
- Credit card information protection
- Purchase history tracking
- Electronic gift card redemption
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Get rewards from merchants and store them in your phone. Pay with confidence online or onsite with your Smartphone. Real Payments hides your credit card information from merchants online and onsite. Get rewards from merchants for using RealPayment. Keep your purchase history. Get electronic gift cards.
InstaKyc
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The app onboards the prospective client with a trading and demat account with a pre-selected Brokerage and Demat Plan which will be embedded in the link sent to the client along with the details of the Branch and the Relationship Manager of the Branch or the Business Partner with which the client will be associated. The client thereafter will complete the journey with guided steps on the App. Disclaimer: Investments in the securities market are subject to market risks, read all the related documents carefully before investing. Brokerage will not exceed SEBI's prescribed limit. Registration details: https://www.jmfinancialservices.in/customer-corner/updates/registration-details Grievances Escalation Matrix: https://www.jmfinancialservices.in/customer-corner/updates/grievances-escalation-matrix Registered Address: JM Financial Services Limited 7th Floor, Cnergy Appasaheb Marathe Marg, Prabhadevi, Mumbai-400025 Member Name: JM Financial Services Limited SEBI Registration Number: INZ000195834 Member Code: NSE- 10548, BSE- 325, MCX- 56555, NCDEX- 1282 Registered Exchange/s name: NSE, BSE, MCX, NCDEX Exchange approved segment/s: NSE - CM, FO, CDS & Debt Segment & SLB Segment BSE - CM, FO, CDS MCX & NCDEX - Commodity Derivatives
Screenshots
Verdict
The clearest difference is iOS requirement: RealPayment at 8.2 against InstaKyc's 12.0. On price, update cadence, 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.
RealPayment ships an update every 3 weeks, InstaKyc monthly. The most recent releases landed on September 19, 2026 and September 10, 2026 respectively.
| Parameter | RealPayment | InstaKyc |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 3 — better | — |
| Update frequency | Every 3 weeks — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 8.2 — better | 12.0 |
| Further details — not scored | ||
| Size | 91 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | 3iTechworks, Inc | JM FINANCIAL SERVICES LIMITED |
In-app purchases
RealPayment
No in-app purchases
InstaKyc
No in-app purchases
