# МОТИВ.Pay vs Касса Взаимопомощи

The clearest difference is review sentiment: Касса Взаимопомощи at 86% against МОТИВ.Pay's 4%. Касса Взаимопомощи also leads on ads (none vs shown) and update cadence (monthly vs every 5 months). МОТИВ.Pay's advantage is iOS requirement (13.0 vs 15.0). On price, in-app purchases and device support there is nothing between them.

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

МОТИВ.Pay ships an update every 5 months, Касса Взаимопомощи monthly. Both last shipped on October 15, 2026.

## The numbers

| Metric | МОТИВ.Pay | Касса Взаимопомощи |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[1.4 (14 ratings)](https://appshunter.io/ios/app/pay/id965077720/reviews)** | — |
| Number of ratings | **14** | — |
| Positive reviews | 3.9% of reviews | **86.5% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 months | **Monthly** |
| Monetization | Ad-supported | **Free** |
| Size | 123 MB | 99 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [IT-PERSPEKTIVA OOO](https://appshunter.io/developer/965077719) | [ООО МКК «КВ Пятый Элемент Деньги»](https://appshunter.io/developer/1571087169) |

## 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


### Касса Взаимопомощи

[App page](https://appshunter.io/ios/app/id1571087167)

This app provides a convenient way to manage your loans on the go. Apply for funds, locate nearby offices, manage existing loans, and access your personal account anytime, anywhere. Get quick access to financial assistance with flexible repayment options.

**Highlights:** Apply for loans, Locate offices, Manage current loans, Pay loans, Extend loans, Access personal account

**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 Касса Взаимопомощи free?

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

### Do МОТИВ.Pay or Касса Взаимопомощи have ads?

МОТИВ.Pay shows ads; Касса Взаимопомощи does not.

### Which is updated more often, МОТИВ.Pay or Касса Взаимопомощи?

МОТИВ.Pay ships an update every 5 months, and Касса Взаимопомощи monthly. Most recently, МОТИВ.Pay was updated on October 15, 2026 and Касса Взаимопомощи on October 15, 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.*