# МОТИВ.Pay vs Pay P.S. Займы онлайн на карту

The clearest difference is review sentiment: Pay P.S. Займы онлайн на карту at 78% against МОТИВ.Pay's 4%. Pay P.S. Займы онлайн на карту also leads on rating (4.8 vs 1.4) and ads (none vs shown). МОТИВ.Pay's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.6). On price, ratings volume, in-app purchases and monetization model there is nothing between them.

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

Pay P.S. Займы онлайн на карту holds the better App Store score, 4.8 against 1.4. Both are backed by a comparable volume of ratings — 14 and 23 respectively. Written reviews point the same way: 4% of МОТИВ.Pay's written reviews are positive against 78% of Pay P.S. Займы онлайн на карту's.

МОТИВ.Pay ships an update every 5 months, Pay P.S. Займы онлайн на карту every 2 months. The most recent releases landed on November 1, 2026 and November 7, 2026 respectively.

## The numbers

| Metric | МОТИВ.Pay | Pay P.S. Займы онлайн на карту |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.4 (14 ratings)](https://appshunter.io/ios/app/pay/id965077720/reviews) | **[4.8 (23 ratings)](https://appshunter.io/ios/app/pay-ps/id1502360637/reviews)** |
| Number of ratings | 14 | **23** |
| Positive reviews | 3.9% of reviews | **78.4% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Ad-supported | Ad-supported |
| Size | 123 MB | 37 MB |
| Requires iOS | **13.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [IT-PERSPEKTIVA OOO](https://appshunter.io/developer/965077719) | [ZAIM ONLAIN, OOO MFO](https://appshunter.io/developer/1147096700) |

## What reviewers say

### МОТИВ.Pay

[App page](https://appshunter.io/ios/app/pay/id965077720)

Manage your finances with this app, offering virtual card issuance, money transfers, and bill payments. Earn cashback and receive bonuses as a subscriber. Unique features allow payments directly from your phone balance.

**Highlights:** Virtual MIR card issuance, Money transfers via phone number, details, or SBP, QR code payments, Utility and service bill payments, Expense tracking, Cashback on MIR card purchases, Mobile balance payments (for subscribers)

**In-app purchases:** none


### Pay P.S. Займы онлайн на карту

[App page](https://appshunter.io/ios/app/pay-ps/id1502360637)

Get quick online loans and microloans up to 100,000 rubles. Receive funds urgently without calls, references, or guarantors. Enjoy super conditions, discounts, and promotions for regular clients.

**Highlights:** Online loans up to 100,000 rubles, No calls, references, or guarantors, Automatic verification, Funds transferred to any bank card, Multiple repayment options, Low minimum APR

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

**In-app purchases:** none


## Frequently asked questions

### Is МОТИВ.Pay free?

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

### Is Pay P.S. Займы онлайн на карту free?

Pay P.S. Займы онлайн на карту is free to download, with no in-app purchases.

### Which has better reviews, МОТИВ.Pay or Pay P.S. Займы онлайн на карту?

Pay P.S. Займы онлайн на карту is rated higher. МОТИВ.Pay averages 1.4 out of 5 from 14 ratings, while Pay P.S. Займы онлайн на карту averages 4.8 from 23 ratings.

### Do МОТИВ.Pay or Pay P.S. Займы онлайн на карту have ads?

МОТИВ.Pay shows ads; Pay P.S. Займы онлайн на карту does not.

### Which is updated more often, МОТИВ.Pay or Pay P.S. Займы онлайн на карту?

МОТИВ.Pay ships an update every 5 months, and Pay P.S. Займы онлайн на карту every 2 months. Most recently, МОТИВ.Pay was updated on November 1, 2026 and Pay P.S. Займы онлайн на карту on November 7, 2026.

---

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