InstaPayments vs MobilePay

InstaPayments has no write-up on Specifiction yet; its figures are above.

MobilePay is a free Android and iOS app for sending and requesting money, splitting expenses, paying businesses, and collecting shared funds. Transfers can use a recipient’s phone number or QR code and are described as immediate. Groups can divide expenses, while a Box keeps shared collections separate from personal funds. After two people exchange money for the first time, the app creates a chat summarizing transfers, requests, and messages. Users can pay businesses online and in stores. The Get paid service lets merchants accept MobilePay, Visa, and Mastercard payments on a phone, send payment links, and invoice customers without extra equipment or a separate app. New-device login requires MitID and an SMS code. Each payment or transfer needs a code or Face ID confirmation. MobilePay operates on one device at a time and lets users block contacts. Private business payments have no charge, but some fees apply; Get paid bills 0.99% of transaction value and has no monthly subscription price.