C3Pay vs NaqaD by Kamelpay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
C3Pay
Manage your finances with ease. View balances and transactions, receive instant alerts for salary deposits and purchases, and transfer money internationally. Top up local and international mobile numbers quickly.
- View balance and transactions
- Receive SMS alerts
- International money transfers
- Mobile number recharge
- Clean and simple interface
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Now here with a cleaner look under your fingertips, our aim is to provide you with the simplest and the quickest way of managing your money. Use C3Pay to: - View your balance and transaction from anywhere, anytime. - Get SMS alerts whenever you receive your salary or make a purchase in shops. - Transfer money in minutes to your home country - Your first transfer is FREE! - Recharge any local and international mobile number instantly. Note: The app services are only available to C3Pay cardholders.
NaqaD by Kamelpay
This app offers digital payment services for employees, facilitating payroll needs for low-income workers. It enables secure money transfers, bill payments, and online transactions, with a dashboard to monitor finances and access transaction history.
- Digital payment services
- Money remittance
- Bill payments
- Online transactions
- Financial dashboard
- Transaction history
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Kamelpay is the leading fintech company based in the UAE. It is a perfect partner for corporations for quick payment solutions that helps businesses to cater to all the payroll needs of low-income employees. The application provides employees with digital payment services and has the following benefits ● Send money remittance ● Secure Processing of transaction ● Mobile Top-ups ● Pay your bills ● Make online transactions with ease. ● Keep a close eye on your finances through the application dashboard. ● Get transaction history without any overhead charges ● Digital financial solutions Core Products Of Kamelpay Kamelpay core products include a WPS based payroll prepaid card and a corporate expense prepaid card PayD Card - One-Window Payroll Solution Kamelpay’s PayD card is perfect for companies to pay their low-income employees in compliance with WPS UAE regulations. ● Timely electronic salary disbursement. ● EMV-Compliant Mastercard prepaid card. ● Secures Salary Transferring Method ● 24x7 access to funds via ATM, POS, and e-commerce purchases. ● Convenient Salary Receiving Method ● Send Remittance In UAE Kamelpay has a solution for a payroll management system within the UAE! The PayD card of Kamelpay is just the right partner the business and employees are looking for! These cards are easy to get and are also known to speed up the salary payout management in UAE! Many companies are stressed about providing the monthly wages of their employees on the same day! But doing this is not easy! Centiv Card - Corporate Payment Made Easy Our Centiv Card enables companies to switch low-value corporate expenses and reduce cash-handling operations. Also, this card works according to the Wage Protection System of the UAE. ● Higher load limits for expense management. ● Ideal solution for incentives, commissions, and rebates. ● Eliminate the need for cash and reimbursements. ● Eases the cash handling ● Tailored reports for periodic reconciliation
Screenshots
Verdict
C3Pay and NaqaD by Kamelpay both sit at 4.5 stars, but that hides the real split: 100% of NaqaD by Kamelpay's written reviews are positive against 34% of C3Pay's. C3Pay's advantage is ads (none vs shown) and update cadence (fortnightly vs monthly). On price, rating, in-app purchases and monetization model 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.
On the App Store both sit at effectively the same score — 4.5 for C3Pay against 4.4 for NaqaD by Kamelpay. That said, the two scores are not equally well evidenced: C3Pay has 1.7K ratings behind it against 177, so its average is the more settled of the two. Written reviews are what separate them: 34% of C3Pay's written reviews are positive against 100% of NaqaD by Kamelpay's.
C3Pay ships an update fortnightly, NaqaD by Kamelpay monthly. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.
| Parameter | C3Pay | NaqaD by Kamelpay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (1.7K ratings) — better | 4.4 (177 ratings) |
| Positive reviews | 34.1% of reviews | 100.0% of reviews — better |
| Number of ratings | 1.7K — better | 177 |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 184 MB | 143 MB |
| Age rating | 4+ | 4+ |
| Developer | C3 Card | H A Q KAMEL PAY SERVICES L.L.C |
Customer experience
C3Pay
NaqaD by Kamelpay
Bugs and requests
C3Pay
Reported bugs
2 issues- Login issues, app not opening on iOS 15
- Inability to register new card with app
Requested features
3 requests- Add money transfer functionality to more countries
- Improve app stability and reliability
- Enhance customer support responsiveness
NaqaD by Kamelpay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
C3Pay
No in-app purchases
NaqaD by Kamelpay
No in-app purchases
