# mPay vs ShiftPay

The clearest difference is price: mPay at Free against ShiftPay's $2.99. ShiftPay's advantage is ads (none vs shown) and iOS requirement (13.0 vs 15.6). On update cadence, in-app purchases and device support there is nothing between them.

mPay is free to download; ShiftPay costs $2.99 up front. Neither carries in-app purchases, so what you see is what you pay.

mPay ships an update every 5 weeks, ShiftPay every 2 months. The most recent releases landed on November 1, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | mPay | ShiftPay |
| --- | --- | --- |
| Price | **Free** | $2.99 |
| Rating | **[3.5 (25 ratings)](https://appshunter.io/ios/app/mpay-mobile-payments/id969104510/reviews)** | — |
| Number of ratings | **25** | — |
| Positive reviews | 21.6% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free with in-app purchases | — |
| Size | 186 MB | 26 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [mPay S.A.](https://appshunter.io/developer/969104509) | [Beijing Moguan Technology Co., Ltd](https://appshunter.io/developer/1482712686) |

## What reviewers say

### mPay

[App page](https://appshunter.io/ios/app/mpay-mobile-payments/id969104510)

Manage all your finances in one app. Pay for public transport, parking, and insurance. Send and receive money instantly, and access flexible loan options.

**Highlights:** Multicurrency debit card, Instant money transfers, Public transport and train tickets, Parking payments, Car and travel insurance, In-app loans

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### ShiftPay

[App page](https://appshunter.io/ios/app/shiftpay/id6770072091)

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

**In-app purchases:** none


## Frequently asked questions

### Is mPay free?

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

### Is ShiftPay free?

ShiftPay costs $2.99, with no in-app purchases.

### Do mPay or ShiftPay have ads?

mPay shows ads; ShiftPay does not.

### Which is updated more often, mPay or ShiftPay?

mPay ships an update every 5 weeks, and ShiftPay every 2 months. Most recently, mPay was updated on November 1, 2026 and ShiftPay on October 25, 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.*