Mokka - Buy now, Pay later
★ 4.0What it actually doesAn app for obtaining advance credits for purchases at partner stores with payment split into monthly installments via virtual card or POS-terminal payments.
Actually does
- ✓Buy Now Pay Later (BNPL)80% of reviews
- ✓Recurring payments15% of reviews
- ✓P2P payments10% of reviews
- ✓Marketplace50% of reviews
- ✓Customer Support30% of reviews
- ✓Payment Tracking20% of reviews
- ✓Budget tracking20% of reviews
- ✓Виртуальная карта для Apple Pay10% of reviews
Claimed, but not confirmed by reviews
- ⚠Reminders
- ⚠Бесплатные платежи без комиссии
Common complaints
- ✗Hidden fees and unexpected charges25% of mentions
«2 services automatically enabled for a total of about 500 rubles... terrible app, I don't recommend it»
- ✗Opaque payment terms and hidden checkboxes20% of mentions
«you sign up for one amount... you had to go there and there to uncheck the light gray, almost transparent checkbox»
- ✗High overpayments and hidden interest rates15% of mentions
«installment plan at 120 percent... they say installment without interest but actually the overpayment is insane»
- ✗Login errors in personal account10% of mentions
«I enter the phone number and it shows .... app error»
- ✗Issues with SMS delivery for registration5% of mentions
«SMS for registration not received»
What people praise
- ★Fast and polite support via chat
«Chat operator. They replied within 10 minutes, the operator explained everything politely and clearly»
- ★Flexible payment schedule and convenient installments
«Payment once a month, first one in 30 days — very convenient»
- ★Overall app convenience
«Very convenient app, no hidden fees»
- ★Simple and fast registration
«You can register and get an advance right in the mobile app in 2 clicks»
- ★Credit accessibility for unbanked people
«banks refused, but Мокка approved the installment... if you need a loyal system»