Moreta Pay
Moreta Pay: A free mobile wallet for QR payments, transfers and bills, with variable transaction and funding fees. Ranked #65 of 89 in Mobile Payment Apps by our editors (3.0/10); pricing: Free plan; best for travelers and small users paying by QR or transfer.
At a glance
- Editor score3.0 / 10
- PricingFree plan
- Best forTravelers and small users paying by QR or transfer
- Free planYes
- Paid fromFree
- In-store paymentsYes
- Facts checked25 Oct 2026
Where it wins
- Pays participating merchants by QR and supports personal QR payments where available
- Funds wallet through supported transfers, cards, Apple Pay, Google Pay or crypto
- Shows fees, exchange rate and recipient amount before transfer confirmation
Where it doesn't
- Merchant QR payments depend on participating merchants and local support
- Availability and fees vary by country and payment method
- Transaction and wallet-funding fees apply despite the free app
Our verdict on Moreta Pay
Moreta Pay is a mobile wallet for travelers, digital nomads and expatriates who want to pay participating merchants abroad without a local bank account. Available on iOS and Android, it supports merchant QR payments, personal QR payments where supported, transfers to bank accounts, Moreta users and certain local wallets or QR rails, plus bill payments. Its combination of payment and transfer functions may also suit solo users who want a wallet for everyday cross-border needs, rather than a subscription-based business payment product.
The app is advertised as free, but that does not mean every transaction is free: Moreta charges transaction and wallet-funding fees, which vary by country and payment method. Before confirming transfers, users can view the fee, exchange rate and recipient amount. Funding options include supported bank transfers, cards, Apple Pay, Google Pay and crypto. Plaid, Apple Pay and Google Pay are listed integrations. The range of funding methods is useful for users who need alternatives to a local bank account, though availability depends on location and payment method.
Moreta Pay’s fit depends on local coverage: merchant QR payments work at participating merchants, while personal QR payments, transfer rails and bill payment availability can also vary. The company says it is not a bank and that licensed partners process deposits and payments. GDPR is listed as a compliance measure, and support is offered by email and chat, with 24/7 support. Choose Moreta Pay if QR payments and flexible wallet funding fit the countries and networks you need; consider another option if you require broad merchant acceptance or predictable fees across locations.
Your product? Our editors can test Moreta Pay in depth and publish a review, labelled as paid · from $149/mo →
Moreta Pay pricing
Moreta Pay fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| In-store payments | Yes |
| Peer transfers | Yes |
| Bill payment | Yes |
| QR payments | Yes |
| International transfers | Yes |
| Mobile platforms | Both |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Compliance & security | GDPR |
| Support | Email, Live chat · 24/7 |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 3 integrations: Plaid, Apple Pay, Google Pay |
| Pricing | Free plan |
| Website | moretapay.com |
| Facts checked | 25 Oct 2026 |
Moreta Pay integrations
Moreta Pay lists 3 integrations on its own site.
- Plaid
- Apple Pay
- Google Pay
Alternatives to Moreta Pay
- PhonePeA free iOS and Android app for everyday UPI transfers, QR payments and bills.9.4
- Apple PayA no-cost payment service for Apple devices, with checkout availability depending on merchant and region.9.2
- Weixin PayA free mobile wallet for QR, merchant and supported cross-border payments.9.1
See all Moreta Pay alternatives →
Used Moreta Pay? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Moreta Pay for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
Moreta Pay is listed in our Mobile Payment Apps directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/moreta-pay/"><img src="https://www.itechguides.com/best/badge/moreta-pay.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update