# mPay vs ParagonOS™

The clearest difference is review sentiment: ParagonOS™ at 100% against mPay's 22%. ParagonOS™ also leads on rating (5.0 vs 3.5) and ads (none vs shown). mPay's advantage is in-app purchases (none vs 3) and ratings volume (25 vs 1). On price, monetization model and device support there is nothing between them.

Both are free to download. ParagonOS™ sells 3 one-off in-app purchases. mPay asks for nothing beyond the download.

ParagonOS™ holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: mPay has 25 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 22% of mPay's written reviews are positive against 100% of ParagonOS™'s.

mPay ships an update every 5 weeks, ParagonOS™ every 2 days. The most recent releases landed on October 23, 2026 and October 7, 2026 respectively.

## The numbers

| Metric | mPay | ParagonOS™ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (25 ratings)](https://appshunter.io/ios/app/mpay-mobile-payments/id969104510/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paragonos/id6811380010/reviews)** |
| Number of ratings | **25** | 1 |
| Positive reviews | 21.6% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 5 weeks | **Every 2 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 186 MB | 13 MB |
| Requires iOS | **15.6** | 18.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [mPay S.A.](https://appshunter.io/developer/969104509) | [MARIAN ROMANIENKO](https://appshunter.io/developer/1894368454) |

## 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


### ParagonOS™

[App page](https://appshunter.io/ios/app/paragonos/id6811380010)

Organize your expenses, track warranties, and manage bottle deposit receipts. This app securely stores shopping receipts, loyalty cards, and reverse vending machine slips in one place. It offers smart scanning, automatic data extraction, and family sharing via iCloud.

**Highlights:** Smart bottle deposit tracking with barcode extraction, Receipt scanner and organizer with warranty tracking, Loyalty card management and Apple Wallet integration, Deposit machine locator map, Family sharing via iCloud, Privacy-focused with no account registration

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Small coffee | $0.99 | one-time |
| Medium coffee | $1.99 | one-time |
| Large coffee | $3.99 | one-time |


## Frequently asked questions

### Is mPay free?

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

### Is ParagonOS™ free?

ParagonOS™ is free to download, with in-app purchases available.

### Which has better reviews, mPay or ParagonOS™?

ParagonOS™ is rated higher. mPay averages 3.5 out of 5 from 25 ratings, while ParagonOS™ averages 5.0 from 1 ratings.

### Do mPay or ParagonOS™ have ads?

mPay shows ads; ParagonOS™ does not.

### Which is updated more often, mPay or ParagonOS™?

mPay ships an update every 5 weeks, and ParagonOS™ every 2 days. Most recently, mPay was updated on October 23, 2026 and ParagonOS™ on October 7, 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.*